Enova International (ENVA) Gross Margin (2013 - 2026)
Enova International (ENVA) posted Gross Margin of 61.15% for Q2 2026, up 1.18% on a QoQ basis from 60.44% in Q1 2026, and up 337.0% year-over-year from 13.99% in Q2 2025.
Analysis
Enova International (ENVA) Gross Margin (2013 - 2026) Analysis & Trends
Enova International has reported Gross Margin for 14 years, with the latest figure at 61.15% in Q2 2026.
- On a quarterly basis, Gross Margin rose 337.0% year-over-year to 61.15% in Q2 2026; TTM through Jun 2026 was 59.77%, a 237.0% increase from a year earlier, with the FY2025 full-year figure at 58.07%, up 53.0% from the prior year.
- Gross Margin was 61.15% for Q2 2026 at Enova International, up from 60.44% 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 59.75%, with a median of 59.03% recorded in 2024.
- The sharpest annual moves came in 2022 and 2026: Gross Margin tumbled 3304 bps in 2022, then surged 337 bps in 2026.
- Over 5 years, Gross Margin 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 rose by 2 bps to 61.15% in 2026.
- The last three Gross Margin figures came in at 61.15% (Q2 2026), 60.44% (Q1 2026), and 59.79% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | - |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | - |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 49.66% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 96.92% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | - |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 61.15% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 96.37% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 43.59% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 58.79% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 61.15% |
| 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% |