Enova International (ENVA) Operating Margin (2013 - 2026)
Enova International (ENVA) posted Operating Margin of 25.53% for Q2 2026, up 7.88% on a QoQ basis from 23.67% in Q1 2026, and up 143.0% year-over-year from 10.51% in Q2 2025.
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Enova International (ENVA) Operating Margin (2013 - 2026) Analysis & Trends
Enova International has reported Operating Margin for 14 years, with the latest figure at 25.53% in Q2 2026.
- On a quarterly basis, Operating Margin rose 143.0% year-over-year to 25.53% in Q2 2026; TTM through Jun 2026 was 24.02%, a 132.0% increase from a year earlier, with the FY2025 full-year figure at 23.46%, up 146.0% from the prior year.
- Operating Margin was 25.53% for Q2 2026 at Enova International, 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.
- Average Operating Margin over 5 years is 22.24%, with a median of 22.31% recorded in 2023.
- The sharpest annual moves came in 2022 and 2024: Operating Margin tumbled 2442 bps in 2022, then soared 456 bps in 2024.
- Over 5 years, Operating Margin stood at 21.65% in 2022, then declined by 23 bps to 16.71% in 2023, then increased by 27 bps to 21.27% in 2024, then climbed by 5 bps to 22.24% in 2025, then gained by 15 bps to 25.53% in 2026.
- The last three Operating Margin figures came in at 25.53% (Q2 2026), 23.67% (Q1 2026), and 22.24% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | - |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 12.63% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 11.82% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 25.62% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | - |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 25.53% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 47.73% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 49.45% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 13.09% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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% |