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| 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% |