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
DateValue
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%