Enova International (ENVA) Gross Margin (2013 - 2026)
Enova International's quarterly Gross Margin came in at 60.44% in Q1 2026, up 328.0% year-on-year from 14.12% in Q1 2025, and up 1.09% quarter-over-quarter from 59.79% in Q4 2025.
Enova International has reported Gross Margin for 14 years, with the latest figure at 60.44% in Q1 2026.
- For the quarter ending Q1 2026, Gross Margin rose 328.0% year-over-year to 60.44%; the trailing twelve-month figure through Mar 2026 stood at 58.91% (up 128.0% YoY), and the FY2025 full-year result was 58.07%, up 53.0% from the prior year.
- Gross Margin for Q1 2026 stood at 60.44%, 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.
- Year-over-year, Gross Margin plunged 3304 bps in 2022 and surged 328 bps in 2026.
- Tracing ENVA's Gross Margin over 5 years: stood at 59.67% in 2022, then slipped by 7 bps to 55.7% in 2023, then gained by 2 bps to 56.62% in 2024, then rose by 6 bps to 59.79% in 2025, then climbed by 1 bps to 60.44% in 2026.
- The last three Gross Margin figures came in at 60.44% (Q1 2026), 59.79% (Q4 2025), and 57.4% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 554.71 Bn | 542.31 Bn | - | - |
| 2 | Mastercard | 443.64 Bn | 433.43 Bn | - | - |
| 3 | American Express | 211.69 Bn | 157.65 Bn | 17.43 Bn | 92.17% |
| 4 | Capital One Financial | 115.44 Bn | 38.94 Bn | - | - |
| 5 | PayPal Holdings | 40.47 Bn | 31.13 Bn | 7.84 Bn | 93.80% |
| 6 | Synchrony Financial | 24.65 Bn | 4.09 Bn | - | - |
| 7 | SoFi Technologies | 20.00 Bn | 16.60 Bn | 929.25 Mn | 84.45% |
| 8 | Ally Financial | 13.32 Bn | 12.88 Bn | 1.98 Bn | 94.24% |
| 9 | Eason Technology | 11.55 Bn | 11.54 Bn | - | - |
| 10 | Enova International | 4.00 Bn | 3.90 Bn | 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% |
| Mar 31, 2021 | 91.88% |
| Dec 31, 2020 | 435.60% |
| Sep 30, 2020 | 88.86% |
| Jun 30, 2020 | 52.32% |
| Mar 31, 2020 | 34.93% |
| Dec 31, 2019 | 42.53% |
| Sep 30, 2019 | 46.93% |
| Jun 30, 2019 | 52.42% |
| Mar 31, 2019 | 55.05% |
| Dec 31, 2018 | 43.10% |
| Sep 30, 2018 | 42.95% |
| Jun 30, 2018 | 51.50% |
| Mar 31, 2018 | 57.69% |
| Dec 31, 2017 | 47.66% |
| Sep 30, 2017 | 50.73% |
| Jun 30, 2017 | 57.95% |
| Mar 31, 2017 | 57.41% |
| Dec 31, 2016 | 51.81% |
| Sep 30, 2016 | 51.32% |
| Jun 30, 2016 | 62.06% |
| Mar 31, 2016 | 60.16% |
| Dec 31, 2015 | 59.45% |
| Sep 30, 2015 | 60.29% |
| Jun 30, 2015 | 71.61% |
| Mar 31, 2015 | 76.72% |
| Dec 31, 2014 | 68.88% |
| Sep 30, 2014 | 64.46% |
| Jun 30, 2014 | 66.83% |
| Mar 31, 2014 | 68.13% |
| Dec 31, 2013 | 58.56% |
| Sep 30, 2013 | 54.37% |