Enova International ENVA
NYSE ENVA
$174.60 -4.56 (-2.55%)
At close: Sep 18, 2026 · 4:00 PM EDT

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

Historic Data

Download Data
DateValue
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%