Enova International (ENVA) Operating Margin (2013 - 2026)

Enova International (ENVA) posted quarterly Operating Margin of 25.53% for Q2 2026, up 143.0% year-over-year from 10.51% in Q2 2025, and up 7.88% quarter-over-quarter from 23.67% in Q1 2026.

Enova International (ENVA) Operating Margin (2013 - 2026) Analysis & Trends

Enova International's Operating Margin history runs 14 years deep, the most recent figure standing at 25.53% for Q2 2026.

  • In Q2 2026, Operating Margin rose 143.0% year-over-year to 25.53%; the TTM figure through Jun 2026 stood at 24.02% (up 132.0% YoY), while the FY2025 annual figure was 23.46%, up 146.0% from the prior year.
  • Operating Margin for Q2 2026 stood at 25.53%, up from 23.67% in the prior quarter.
  • The five-year high for Operating Margin was 25.53% in Q2 2026, with the low at 16.71% in Q4 2023.
  • The 5-year median for Operating Margin is 22.31% (2023), against an average of 22.24%.
  • The sharpest annual moves came in 2022 and 2024: Operating Margin tumbled 2442 bps in 2022, then jumped 456 bps in 2024.
  • Enova International's Operating Margin stood at 21.65% in 2022, then slipped by 23 bps to 16.71% in 2023, then climbed by 27 bps to 21.27% in 2024, then gained by 5 bps to 22.24% in 2025, then increased by 15 bps to 25.53% in 2026.
  • Business Quant data shows ENVA's Operating Margin at 25.53% in Q2 2026, 23.67% in Q1 2026, and 22.24% in Q4 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Operating Margin (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 59.12%
2 Mastercard 506.53 Bn 493.04 Bn - 60.22%
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 17.85%
4 Capital One Financial 136.19 Bn 81.48 Bn - -
5 PayPal Holdings 52.34 Bn 41.08 Bn - 16.44%
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - -
8 Affirm Holdings 25.93 Bn 24.20 Bn - 8.51%
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn -720.86%
10 Enova International 6.40 Bn 6.28 Bn 568.07 Mn 25.53%

Historic Data

Download Data
DateValue
Jun 30, 2026 25.53%
Mar 31, 2026 23.67%
Dec 31, 2025 22.24%
Sep 30, 2025 24.51%
Jun 30, 2025 24.10%
Mar 31, 2025 23.06%
Dec 31, 2024 21.27%
Sep 30, 2024 22.28%
Jun 30, 2024 23.08%
Mar 31, 2024 21.45%
Dec 31, 2023 16.71%
Sep 30, 2023 18.81%
Jun 30, 2023 22.34%
Mar 31, 2023 22.61%
Dec 31, 2022 21.65%
Sep 30, 2022 21.59%
Jun 30, 2022 21.93%
Mar 31, 2022 23.53%
Dec 31, 2021 22.19%
Sep 30, 2021 26.93%