Enova International (ENVA) Gross Margin (2013 - 2026)
Enova International (ENVA) recorded Gross Margin of 61.15% in Q2 2026, up 3.37 percentage points from 57.78% a year earlier and up 0.71 percentage points from the prior quarter.
Powered by 
Analysis
Enova International (ENVA) Gross Margin (2013 - 2026) Analysis & Trends
On a TTM basis, Enova International's Gross Margin came in at 59.77% as of Jun 30, 2026, up 2.37 percentage points year-over-year; for FY2025, it came in at 58.07%, up 0.53 percentage points from FY2024.
- Annual Gross Margin has a five-year change of -5.06 percentage points (FY2020 to FY2025).
- Across earlier years, Gross Margin came in at 57.55% in FY2024 (-0.53 pp), 58.08% in FY2023 (-6.29 pp), 64.37% in FY2022 (-20.42 pp) and 84.79% in FY2021 (+21.66 pp).
- The Q2 2026 figure is the highest quarterly Gross Margin since Q3 2022.
- On a year-over-year basis, Gross Margin has increased for three consecutive quarters, with an average year-over-year change of +1.19 percentage points over the last eight quarters.
- Peak year-over-year performance for Gross Margin in the last five years was a gain of 3.37 percentage points in Q2 2026, against a drop of 33.04 percentage points in Q2 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 60.44% (Q1 2026), 59.79% (Q4 2025) and 57.40% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | - |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 85.10% |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | - |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | - |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | - |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | - |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 86.66% |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | - |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Enova International | 4.43 Bn | 4.09 Bn | 568.07 Mn | 61.15% |
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% |
API Access
Enova International Gross Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=gross-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "gross-margin", "ticker": "ENVA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=gross-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();