Enova International (ENVA) Operating Margin (2013 - 2026)
Enova International (ENVA) posted Operating Margin of 25.53% for Q2 2026, up 1.43 percentage points from 24.10% a year earlier and up 1.86 percentage points from the prior quarter.
Powered by 
Analysis
Enova International (ENVA) Operating Margin (2013 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Operating Margin at Enova International was 24.02%, up 1.32 percentage points year-over-year; for FY2025, it came in at 23.46%, up 1.46 percentage points from FY2024.
- Annual Operating Margin shows a five-year change of -9.55 percentage points (FY2020 to FY2025).
- In prior years, Enova International's Operating Margin was 22.00% in FY2024 (+2.07 pp), 19.93% in FY2023 (-2.18 pp), 22.12% in FY2022 (-12.08 pp) and 34.20% in FY2021 (+1.18 pp).
- The Q2 2026 figure stands as the highest quarterly Operating Margin since Q3 2021.
- On a year-over-year basis, Operating Margin has increased in each of the last nine quarters, with an average year-over-year change of +1.99 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Operating Margin in the past five years was Q4 2024, with a gain of 4.56 percentage points; the weakest was Q3 2021, with a drop of 32.72 percentage points.
- According to Business Quant data, Operating Margin for the three prior quarters was 23.67% (Q1 2026), 22.24% (Q4 2025) and 24.51% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | - |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 15.28% |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 19.75% |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 12.63% |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | - |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | - |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 62.13% |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | - |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Enova International | 4.43 Bn | 4.09 Bn | 568.07 Mn | 25.53% |
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% |
API Access
Enova International Operating 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=operating-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-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=operating-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();