Enova International (ENVA) FCF Margin (2013 - 2026)
Enova International (ENVA) reported FCF Margin of 51.92% for Q3 2026, down 6.69 percentage points from 58.61% a year earlier and down 5.29 percentage points from the prior quarter.
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Analysis
Enova International (ENVA) FCF Margin (2013 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Enova International's FCF Margin came in at 54.93%, down 1.13 percentage points year-over-year; for FY2025, it was 56.22%, down 0.03 percentage points from FY2024.
- FCF Margin has a five-year change of -9.45 percentage points (FY2020 to FY2025).
- By year, FCF Margin came in at 56.26% in FY2024 (+3.29 pp), 52.97% in FY2023 (+3.98 pp), 48.98% in FY2022 (+12.37 pp) and 36.61% in FY2021 (-29.06 pp).
- The Q3 2026 figure ranks as the lowest quarterly FCF Margin since Q1 2025.
- Year over year, FCF Margin gained in six of the last eight quarters, with an average year-over-year change of +0.15 percentage points.
- The high point for year-over-year FCF Margin in five years was Q2 2022 (a gain of 19.14 percentage points); the low point was Q3 2026 (a drop of 6.69 percentage points).
- Per Business Quant data, the three quarters before Q3 2026 came in at 57.21% (Q2 2026), 53.00% (Q1 2026) and 58.03% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.26 Bn | 30.07 Bn | - | 56.70% |
| 2 | Orix | 40.39 Bn | 9.11 Bn | 12.74 Bn | - |
| 3 | Royalty Pharma | 30.85 Bn | 27.81 Bn | - | 108.06% |
| 4 | Federal National Mortgage Association Fannie Mae | 24.41 Bn | 24.41 Bn | - | 10.46% |
| 5 | Synchrony Financial | 23.65 Bn | -43.98 Bn | - | 50.83% |
| 6 | Affirm Holdings | 23.35 Bn | 17.04 Bn | - | 19.67% |
| 7 | Royal Gold | 21.50 Bn | 20.68 Bn | 390.45 Mn | 63.28% |
| 8 | Annaly Capital Management | 14.39 Bn | 5.35 Bn | - | 332.74% |
| 9 | Ares Capital | 14.00 Bn | 11.75 Bn | - | 137.88% |
| 10 | Enova International | 4.43 Bn | 4.03 Bn | 614.36 Mn | 51.92% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 51.92% |
| 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% |
API Access
Enova International FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "ENVA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();