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
DateValue
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%