Enova International (ENVA) Net Margin (2013 - 2026)
Enova International (ENVA) posted quarterly Net Margin of 11.31% for Q2 2026, up 134.0% year-over-year from 4.83% in Q2 2025, and up 8.65% quarter-over-quarter from 10.41% in Q1 2026.
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Analysis
Enova International (ENVA) Net Margin (2013 - 2026) Analysis & Trends
Enova International's Net Margin history runs 14 years deep, the most recent figure standing at 11.31% for Q2 2026.
- In Q2 2026, Net Margin rose 134.0% year-over-year to 11.31%; the TTM figure through Jun 2026 stood at 10.31% (up 157.0% YoY), while the FY2025 annual figure was 9.78%, up 190.0% from the prior year.
- Net Margin for Q2 2026 stood at 11.31%, 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.
- The 5-year median for Net Margin is 9.88% (2025), against an average of 9.69%.
- The sharpest annual moves came in 2022 and 2025: Net Margin slumped 1758 bps in 2022, then surged 371 bps in 2025.
- Enova International's Net Margin stood at 10.52% in 2022, then tumbled by 43 bps to 5.96% in 2023, then soared by 47 bps to 8.73% in 2024, then grew by 8 bps to 9.41% in 2025, then grew by 20 bps to 11.31% in 2026.
- Business Quant data shows ENVA's Net Margin at 11.31% in Q2 2026, 10.41% in Q1 2026, and 9.41% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 48.38% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 47.30% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 18.52% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 12.72% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 138.65% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 17.93% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 12.85% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 16.05% |
| 10 | Enova International | 5.79 Bn | 5.67 Bn | 568.07 Mn | 11.31% |
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% |