Enova International (ENVA) Net Margin (2013 - 2026)
Enova International (ENVA) posted quarterly Net Margin of 10.41% for Q1 2026, up 63.0% year-over-year from 6.39% in Q1 2025, and up 127.15% on a QoQ basis from 38.33% in Q4 2025.
Enova International (ENVA) Net Margin (2013 - 2026) Analysis & Trends
Enova International (ENVA) has reported Net Margin for 14 consecutive years, with 10.41% the latest figure, recorded in Q1 2026.
- In Q1 2026, Net Margin rose 63.0% year-over-year to 10.41%; the TTM figure through Mar 2026 stood at 2.26% (down 1062.0% YoY), while the FY2025 annual figure was 2.93%, down 1080.0% from the prior year.
- Net Margin came in at 10.41% for Q1 2026 at Enova International, 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.
- Across the five-year window, Net Margin soared 5151 bps in 2023 and tumbled 4701 bps in 2025, its largest moves.
- Year by year, Net Margin stood at 45.66% in 2022, then soared by 113 bps to 5.85% in 2023, then jumped by 48 bps to 8.67% in 2024, then sank by 542 bps to 38.33% in 2025, then surged by 127 bps to 10.41% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 10.41%, 38.33%, and 10.01% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 53.62% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 46.23% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 15.71% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 13.32% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 30.76% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 15.15% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 13.84% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 21.04% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 14.05% |
| 10 | Enova International | - | - | 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% |