Enova International (ENVA) Gross Margin (2013 - 2026)
Enova International (ENVA) posted quarterly Gross Margin of 61.15% for Q2 2026, up 337.0% year-over-year from 13.99% in Q2 2025, and up 1.18% quarter-over-quarter from 60.44% in Q1 2026.
Enova International (ENVA) Gross Margin (2013 - 2026) Analysis & Trends
Enova International's Gross Margin history runs 14 years deep, the most recent figure standing at 61.15% for Q2 2026.
- In Q2 2026, Gross Margin rose 337.0% year-over-year to 61.15%; the TTM figure through Jun 2026 stood at 59.77% (up 237.0% YoY), while the FY2025 annual figure was 58.07%, up 53.0% from the prior year.
- Gross Margin for Q2 2026 stood at 61.15%, 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.
- The 5-year median for Gross Margin is 59.03% (2024), against an average of 59.75%.
- The sharpest annual moves came in 2022 and 2026: Gross Margin tumbled 3304 bps in 2022, then soared 337 bps in 2026.
- Enova International's Gross Margin stood at 59.67% in 2022, then retreated by 7 bps to 55.7% in 2023, then increased by 2 bps to 56.62% in 2024, then grew by 6 bps to 59.79% in 2025, then grew by 2 bps to 61.15% in 2026.
- Business Quant data shows ENVA's Gross Margin at 61.15% in Q2 2026, 60.44% in Q1 2026, and 59.79% in Q4 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | - |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | - |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 91.60% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | - |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | - |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | - |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | - |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -32.14% |
| 10 | Enova International | 6.40 Bn | 6.28 Bn | 568.07 Mn | 61.15% |
Historic Data
Download 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% |