Enova International (ENVA) Operating Margin (2013 - 2026)
Enova International (ENVA) posted quarterly Operating Margin of 23.67% for Q1 2026, up 61.0% year-over-year from 14.7% in Q1 2025, and up 142.39% on a QoQ basis from 55.82% in Q4 2025.
Enova International (ENVA) Operating Margin (2013 - 2026) Analysis & Trends
Enova International (ENVA) has reported Operating Margin for 14 consecutive years, with 23.67% the latest figure, recorded in Q1 2026.
- In Q1 2026, Operating Margin rose 61.0% year-over-year to 23.67%; the TTM figure through Mar 2026 stood at 3.64% (up 13.0% YoY), while the FY2025 annual figure was 2.67%, up 53.0% from the prior year.
- Operating Margin came in at 23.67% for Q1 2026 at Enova International, up from 55.82% in the prior quarter.
- The five-year high for Operating Margin was 24.51% in Q3 2025, with the low at 55.82% in Q4 2025.
- Average Operating Margin over 5 years is 5.47%, with a median of 22.28% recorded in 2024.
- The largest YoY upside for Operating Margin was 2638 bps in 2022 against a maximum downside of 2442 bps in 2022.
- Year by year, Operating Margin stood at 45.56% in 2022, then retreated by 4 bps to 47.44% in 2023, then declined by 8 bps to 51.08% in 2024, then decreased by 9 bps to 55.82% in 2025, then soared by 142 bps to 23.67% in 2026.
- According to Business Quant data, Operating Margin over the past three periods registered 23.67%, 55.82%, and 24.51% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 26.44% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 3.39% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 35.49% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | Enova International | - | - | 528.96 Mn | 23.67% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 23.67% |
| Dec 31, 2025 | -55.82% |
| Sep 30, 2025 | 24.51% |
| Jun 30, 2025 | 24.10% |
| Mar 31, 2025 | 23.06% |
| Dec 31, 2024 | -51.08% |
| Sep 30, 2024 | 22.28% |
| Jun 30, 2024 | 23.08% |
| Mar 31, 2024 | 21.45% |
| Dec 31, 2023 | -47.44% |
| Sep 30, 2023 | 18.81% |
| Jun 30, 2023 | 22.34% |
| Mar 31, 2023 | 22.61% |
| Dec 31, 2022 | -45.56% |
| Sep 30, 2022 | 21.59% |
| Jun 30, 2022 | 21.93% |
| Mar 31, 2022 | 23.53% |
| Dec 31, 2021 | -71.94% |
| Sep 30, 2021 | 26.93% |
| Jun 30, 2021 | 46.35% |