Enova International ENVA
NYSE ENVA
$174.60 -4.56 (-2.55%)
At close: Sep 18, 2026 · 4:00 PM EDT

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

Historic Data

Download Data
DateValue
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%