Enova International (ENVA) FCF Margin (2013 - 2026)
Enova International (ENVA) posted quarterly FCF Margin of 53.0% for Q1 2026, up 226.0% year-over-year from 16.26% in Q1 2025, and down 8.68% on a QoQ basis from 58.03% in Q4 2025.
Enova International (ENVA) FCF Margin (2013 - 2026) Analysis & Trends
Enova International (ENVA) has reported FCF Margin for 14 consecutive years, with 53.0% the latest figure, recorded in Q1 2026.
- In Q1 2026, FCF Margin rose 226.0% year-over-year to 53.0%; the TTM figure through Mar 2026 stood at 56.61% (up 162.0% YoY), while the FY2025 annual figure was 56.22%, down 3.0% from the prior year.
- FCF Margin came in at 53.0% for Q1 2026 at Enova International, down from 58.03% in the prior quarter.
- The five-year high for FCF Margin was 58.61% in Q3 2025, with the low at 37.18% in Q1 2022.
- Average FCF Margin over 5 years is 53.5%, with a median of 55.31% recorded in 2024.
- The largest YoY upside for FCF Margin was 1914 bps in 2022 against a maximum downside of 519 bps in 2022.
- Year by year, FCF Margin stood at 53.23% in 2022, then slipped by 3 bps to 51.83% in 2023, then advanced by 11 bps to 57.62% in 2024, then advanced by 1 bps to 58.03% in 2025, then fell by 9 bps to 53.0% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 53.0%, 58.03%, and 58.61% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 23.37% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 33.56% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 14.04% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 10.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 6,779.64% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -216.52% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 65.22% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 46.37% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.37% |
| 10 | Enova International | - | - | 528.96 Mn | 53.00% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 53.00% |
| Dec 31, 2025 | 58.03% |
| Sep 30, 2025 | 58.61% |
| Jun 30, 2025 | 57.08% |
| Mar 31, 2025 | 50.74% |
| Dec 31, 2024 | 57.62% |
| Sep 30, 2024 | 56.18% |
| Jun 30, 2024 | 55.67% |
| Mar 31, 2024 | 55.31% |
| Dec 31, 2023 | 51.83% |
| Sep 30, 2023 | 46.88% |
| Jun 30, 2023 | 57.88% |
| Mar 31, 2023 | 56.21% |
| Dec 31, 2022 | 53.23% |
| Sep 30, 2022 | 48.82% |
| Jun 30, 2022 | 55.26% |
| Mar 31, 2022 | 37.18% |
| Dec 31, 2021 | 38.25% |
| Sep 30, 2021 | 30.48% |
| Jun 30, 2021 | 36.12% |