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.
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 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
| 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% |
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_KEY
import 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();