Enova International (ENVA) Net Margin (2013 - 2026)
Enova International's quarterly Net Margin came in at 10.41% in Q1 2026, up 63.0% year-on-year from 6.39% in Q1 2025, and up 127.15% quarter-over-quarter from 38.33% in Q4 2025.
Enova International has reported Net Margin for 14 years, with the latest figure at 10.41% in Q1 2026.
- For the quarter ending Q1 2026, Net Margin rose 63.0% year-over-year to 10.41%; the trailing twelve-month figure through Mar 2026 stood at 2.26% (down 1062.0% YoY), and the FY2025 full-year result was 2.93%, down 1080.0% from the prior year.
- Net Margin for Q1 2026 stood at 10.41%, up from 38.33% in the prior quarter.
- The five-year high for Net Margin was 13.6% in Q1 2022, with the low at 45.66% in Q4 2022.
- Average Net Margin over 5 years is 3.47%, with a median of 9.64% recorded in 2023.
- Year-over-year, Net Margin surged 5151 bps in 2023 and slumped 4701 bps in 2025.
- Tracing ENVA's Net Margin over 5 years: stood at 45.66% in 2022, then jumped by 113 bps to 5.85% in 2023, then surged by 48 bps to 8.67% in 2024, then tumbled by 542 bps to 38.33% in 2025, then soared by 127 bps to 10.41% in 2026.
- The last three Net Margin figures came in at 10.41% (Q1 2026), 38.33% (Q4 2025), and 10.01% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 554.71 Bn | 542.31 Bn | - | 53.62% |
| 2 | Mastercard | 443.64 Bn | 433.43 Bn | - | 46.23% |
| 3 | American Express | 211.69 Bn | 157.65 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 115.44 Bn | 38.94 Bn | - | 13.66% |
| 5 | PayPal Holdings | 40.47 Bn | 31.13 Bn | 7.84 Bn | 13.32% |
| 6 | Synchrony Financial | 24.65 Bn | 4.09 Bn | - | 16.44% |
| 7 | SoFi Technologies | 20.00 Bn | 16.60 Bn | 929.25 Mn | 15.15% |
| 8 | Ally Financial | 13.32 Bn | 12.88 Bn | 1.98 Bn | 13.84% |
| 9 | Eason Technology | 11.55 Bn | 11.54 Bn | - | - |
| 10 | Enova International | 4.00 Bn | 3.90 Bn | 528.96 Mn | 10.41% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 10.41% |
| Dec 31, 2025 | -38.33% |
| Sep 30, 2025 | 10.01% |
| Jun 30, 2025 | 9.97% |
| Mar 31, 2025 | 9.78% |
| Dec 31, 2024 | 8.67% |
| Sep 30, 2024 | 6.29% |
| Jun 30, 2024 | 8.58% |
| Mar 31, 2024 | 7.94% |
| Dec 31, 2023 | 5.85% |
| Sep 30, 2023 | 7.49% |
| Jun 30, 2023 | 9.64% |
| Mar 31, 2023 | 10.54% |
| Dec 31, 2022 | -45.66% |
| Sep 30, 2022 | 11.33% |
| Jun 30, 2022 | 12.84% |
| Mar 31, 2022 | 13.60% |
| Dec 31, 2021 | -68.15% |
| Sep 30, 2021 | 16.18% |
| Jun 30, 2021 | 30.43% |
| Mar 31, 2021 | 29.28% |
| Dec 31, 2020 | -0.01% |
| Sep 30, 2020 | 0.00% |
| Mar 31, 2020 | -0.08% |
| Dec 31, 2019 | -23.19% |
| Sep 30, 2019 | -0.59% |
| Jun 30, 2019 | -2.14% |
| Mar 31, 2019 | -1.50% |
| Dec 31, 2018 | -0.41% |
| Sep 30, 2018 | 0.79% |
| Jun 30, 2018 | 0.99% |
| Mar 31, 2018 | 1.57% |
| Dec 31, 2017 | -1.95% |
| Sep 30, 2017 | -1.55% |
| Jun 30, 2017 | 6.25% |
| Mar 31, 2017 | 7.20% |
| Dec 31, 2016 | -25.18% |
| Sep 30, 2016 | 4.00% |
| Jun 30, 2016 | 4.75% |
| Mar 31, 2016 | 5.65% |
| Dec 31, 2015 | 2.38% |
| Sep 30, 2015 | 2.67% |
| Jun 30, 2015 | 7.43% |
| Mar 31, 2015 | 14.81% |
| Dec 31, 2014 | 11.56% |
| Sep 30, 2014 | 9.01% |
| Jun 30, 2014 | 15.20% |
| Mar 31, 2014 | 19.21% |
| Dec 31, 2013 | -45.53% |
| Sep 30, 2013 | 8.63% |