Enova International (ENVA) Net Margin (2013 - 2026)
Enova International (ENVA) posted Net Margin of 11.31% for Q2 2026, up 8.65% on a QoQ basis from 10.41% in Q1 2026, and up 134.0% year-over-year from 4.83% in Q2 2025.
Analysis
Enova International (ENVA) Net Margin (2013 - 2026) Analysis & Trends
Enova International has reported Net Margin for 14 years, with the latest figure at 11.31% in Q2 2026.
- On a quarterly basis, Net Margin rose 134.0% year-over-year to 11.31% in Q2 2026; TTM through Jun 2026 was 10.31%, a 157.0% increase from a year earlier, with the FY2025 full-year figure at 9.78%, up 190.0% from the prior year.
- Net Margin was 11.31% for Q2 2026 at Enova International, up from 10.41% in the prior quarter.
- The five-year high for Net Margin was 13.6% in Q1 2022, with the low at 5.96% in Q4 2023.
- Average Net Margin over 5 years is 9.69%, with a median of 9.88% recorded in 2025.
- The sharpest annual moves came in 2022 and 2025: Net Margin slumped 1758 bps in 2022, then jumped 371 bps in 2025.
- Over 5 years, Net Margin stood at 10.52% in 2022, then tumbled by 43 bps to 5.96% in 2023, then surged by 47 bps to 8.73% in 2024, then rose by 8 bps to 9.41% in 2025, then rose by 20 bps to 11.31% in 2026.
- The last three Net Margin figures came in at 11.31% (Q2 2026), 10.41% (Q1 2026), and 9.41% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 17.93% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 138.65% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 8.70% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 23.14% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 13.03% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 11.31% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 14.50% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.00% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 9.19% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 14.12% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 11.31% |
| Mar 31, 2026 | 10.41% |
| Dec 31, 2025 | 9.41% |
| Sep 30, 2025 | 10.01% |
| Jun 30, 2025 | 9.97% |
| Mar 31, 2025 | 9.78% |
| Dec 31, 2024 | 8.73% |
| Sep 30, 2024 | 6.29% |
| Jun 30, 2024 | 8.58% |
| Mar 31, 2024 | 7.94% |
| Dec 31, 2023 | 5.96% |
| Sep 30, 2023 | 7.49% |
| Jun 30, 2023 | 9.64% |
| Mar 31, 2023 | 10.54% |
| Dec 31, 2022 | 10.52% |
| Sep 30, 2022 | 11.33% |
| Jun 30, 2022 | 12.84% |
| Mar 31, 2022 | 13.60% |
| Dec 31, 2021 | 13.40% |
| Sep 30, 2021 | 16.18% |