Enova International (ENVA) Gross Margin (2013 - 2026)
Enova International (ENVA) posted quarterly Gross Margin of 60.44% for Q1 2026, up 328.0% year-over-year from 14.12% in Q1 2025, and up 1.09% on a QoQ basis from 59.79% in Q4 2025.
Enova International (ENVA) Gross Margin (2013 - 2026) Analysis & Trends
Enova International (ENVA) has reported Gross Margin for 14 consecutive years, with 60.44% the latest figure, recorded in Q1 2026.
- In Q1 2026, Gross Margin rose 328.0% year-over-year to 60.44%; the TTM figure through Mar 2026 stood at 58.91% (up 128.0% YoY), while the FY2025 annual figure was 58.07%, up 53.0% from the prior year.
- Gross Margin came in at 60.44% for Q1 2026 at Enova International, up from 59.79% in the prior quarter.
- The five-year high for Gross Margin was 69.66% in Q1 2022, with the low at 55.7% in Q4 2023.
- Average Gross Margin over 5 years is 59.66%, with a median of 58.91% recorded in 2024.
- Across the five-year window, Gross Margin sank 3304 bps in 2022 and soared 328 bps in 2026, its largest moves.
- Year by year, Gross Margin stood at 59.67% in 2022, then declined by 7 bps to 55.7% in 2023, then climbed by 2 bps to 56.62% in 2024, then advanced by 6 bps to 59.79% in 2025, then increased by 1 bps to 60.44% in 2026.
- According to Business Quant data, Gross Margin over the past three periods registered 60.44%, 59.79%, and 57.4% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 92.17% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 93.80% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 78.22% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 84.45% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 94.24% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 97.03% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 71.98% |
| 10 | Enova International | - | - | 528.96 Mn | 60.44% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 60.44% |
| Dec 31, 2025 | 59.79% |
| Sep 30, 2025 | 57.40% |
| Jun 30, 2025 | 57.78% |
| Mar 31, 2025 | 57.16% |
| Dec 31, 2024 | 56.62% |
| Sep 30, 2024 | 58.03% |
| Jun 30, 2024 | 58.91% |
| Mar 31, 2024 | 56.71% |
| Dec 31, 2023 | 55.70% |
| Sep 30, 2023 | 57.97% |
| Jun 30, 2023 | 59.95% |
| Mar 31, 2023 | 59.16% |
| Dec 31, 2022 | 59.67% |
| Sep 30, 2022 | 64.49% |
| Jun 30, 2022 | 64.85% |
| Mar 31, 2022 | 69.66% |
| Dec 31, 2021 | 77.11% |
| Sep 30, 2021 | 76.96% |
| Jun 30, 2021 | 97.89% |