Enova International ENVA
NYSE ENVA
$174.60 -4.56 (-2.55%)
At close: Sep 18, 2026 · 4:00 PM EDT

Enova International (ENVA) FCF Margin (2013 - 2026)

Enova International (ENVA) posted FCF Margin of 57.21% for Q2 2026, up 7.95% on a QoQ basis from 53.0% in Q1 2026, and up 12.0% year-over-year from 51.08% in Q2 2025.

Analysis

Enova International (ENVA) FCF Margin (2013 - 2026) Analysis & Trends

Enova International has reported FCF Margin for 14 years, with the latest figure at 57.21% in Q2 2026.

  • On a quarterly basis, FCF Margin rose 12.0% year-over-year to 57.21% in Q2 2026; TTM through Jun 2026 was 56.67%, a 128.0% increase from a year earlier, with the FY2025 full-year figure at 56.22%, down 3.0% from the prior year.
  • FCF Margin was 57.21% for Q2 2026 at Enova International, up from 53.0% 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 53.71%, with a median of 55.49% recorded in 2024.
  • The largest YoY upside for FCF Margin was 1914 bps in 2022 against a maximum downside of 519 bps in 2022.
  • Over 5 years, FCF Margin stood at 53.23% in 2022, then retreated by 3 bps to 51.83% in 2023, then rose by 11 bps to 57.62% in 2024, then rose by 1 bps to 58.03% in 2025, then fell by 1 bps to 57.21% in 2026.
  • The last three FCF Margin figures came in at 57.21% (Q2 2026), 53.0% (Q1 2026), and 58.03% (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Synchrony Financial 24.38 Bn 8.19 Bn - 50.23%
2 Affirm Holdings 24.01 Bn 22.38 Bn - -1,112.06%
3 FirstCash Holdings 9.50 Bn 9.33 Bn 533.67 Mn 7.73%
4 Credit Acceptance 6.00 Bn 5.51 Bn 569.30 Mn 52.42%
5 Slm 4.72 Bn -77.52 Mn - -31.97%
6 Enova International 4.35 Bn 4.22 Bn 568.07 Mn 57.21%
7 Bread Financial Holdings 4.20 Bn -15.89 Bn 957.00 Mn 53.68%
8 StoneCo 2.99 Bn 1.38 Bn 308.97 Mn 51.85%
9 Ezcorp 1.88 Bn 1.57 Bn 246.19 Mn 7.85%
10 Navient 1.64 Bn 275.03 Mn - 80.79%
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 57.21%
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%