Enova International (ENVA) Net Margin (2013 - 2026)
Enova International (ENVA) reported Net Margin of 10.63% for Q3 2026, up 0.63 percentage points from 10.01% a year earlier but down 0.68 percentage points from the prior quarter.
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Analysis
Enova International (ENVA) Net Margin (2013 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Enova International's Net Margin came in at 10.47%, up 0.83 percentage points year-over-year; for FY2025, it was 9.78%, up 1.90 percentage points from FY2024.
- Net Margin has a five-year change of -25.08 percentage points (FY2020 to FY2025).
- By year, Net Margin came in at 7.88% in FY2024 (-0.39 pp), 8.27% in FY2023 (-3.68 pp), 11.95% in FY2022 (-9.27 pp) and 21.22% in FY2021 (-13.65 pp).
- Five-year quarterly Net Margin spans a low of 5.96% in Q4 2023 and a high of 13.60% in Q1 2022.
- Year over year, Net Margin has now increased in each of the last eight quarters, with an average year-over-year change of +1.62 percentage points over the last eight quarters.
- The high point for year-over-year Net Margin in five years was Q3 2025 (a gain of 3.71 percentage points); the low point was Q4 2021 (a drop of 74.05 percentage points).
- Per Business Quant data, the three quarters before Q3 2026 came in at 11.31% (Q2 2026), 10.41% (Q1 2026) and 9.41% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.26 Bn | 30.07 Bn | - | 21.59% |
| 2 | Orix | 40.39 Bn | 9.11 Bn | 12.74 Bn | 12.99% |
| 3 | Royalty Pharma | 30.85 Bn | 27.81 Bn | - | 2.65% |
| 4 | Federal National Mortgage Association Fannie Mae | 24.41 Bn | 24.41 Bn | - | 12.38% |
| 5 | Synchrony Financial | 23.65 Bn | -43.98 Bn | - | 17.58% |
| 6 | Affirm Holdings | 23.35 Bn | 17.04 Bn | - | 138.65% |
| 7 | Royal Gold | 21.50 Bn | 20.68 Bn | 390.45 Mn | 52.47% |
| 8 | Annaly Capital Management | 14.39 Bn | 5.35 Bn | - | -121.54% |
| 9 | Ares Capital | 14.00 Bn | 11.75 Bn | - | 41.81% |
| 10 | Enova International | 4.43 Bn | 4.03 Bn | 614.36 Mn | 10.63% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 10.63% |
| 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 | 10.46% |
| Sep 30, 2022 | 11.33% |
| Jun 30, 2022 | 12.84% |
| Mar 31, 2022 | 13.60% |
| Dec 31, 2021 | 13.38% |
API Access
Enova International Net 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=net-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();