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
DateValue
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%