Enova International (ENVA) Operating Margin (2013 - 2026)
Enova International (ENVA) posted Operating Margin of 24.50% for Q3 2026, down 0.02 percentage points from 24.51% a year earlier and down 1.03 percentage points from the prior quarter.
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Analysis
Enova International (ENVA) Operating Margin (2013 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Operating Margin at Enova International was 24.04%, up 0.77 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).
- Quarterly Operating Margin has run from a low of 16.71% in Q4 2023 to a high of 25.53% in Q2 2026 over five years.
- On a year-over-year basis, Operating Margin increased in seven of the last eight quarters, with an average year-over-year change of +1.55 percentage points.
- 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 Q2 2022, with a drop of 24.42 percentage points.
- According to Business Quant data, Operating Margin for the three prior quarters was 25.53% (Q2 2026), 23.67% (Q1 2026) and 22.24% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.14 Bn | 29.96 Bn | - | - |
| 2 | Orix | 40.25 Bn | 8.97 Bn | 12.74 Bn | 6.19% |
| 3 | Royalty Pharma | 30.75 Bn | 27.71 Bn | - | 19.75% |
| 4 | Federal National Mortgage Association Fannie Mae | 24.05 Bn | 24.05 Bn | - | - |
| 5 | Synchrony Financial | 23.61 Bn | -44.01 Bn | - | - |
| 6 | Affirm Holdings | 23.13 Bn | 16.82 Bn | - | 12.63% |
| 7 | Royal Gold | 21.05 Bn | 20.22 Bn | 390.45 Mn | 62.13% |
| 8 | Annaly Capital Management | 14.35 Bn | 5.31 Bn | - | - |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Enova International | 4.37 Bn | 3.98 Bn | 614.36 Mn | 24.50% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 24.50% |
| 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% |
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();