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
Download Data
Historic Data
| Date | Value |
|---|---|
| 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% |