Enova International (ENVA) Return on Sales [ROS] (2013 - 2026)
Enova International (ENVA) reported Return on Sales [ROS] 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) Return on Sales [ROS] (2013 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Enova International's Return on Sales [ROS] came in at 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.
- Return on Sales [ROS] has a five-year change of -9.55 percentage points (FY2020 to FY2025).
- By year, Return on Sales [ROS] came in at 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).
- Five-year quarterly Return on Sales [ROS] spans a low of 16.71% in Q4 2023 and a high of 25.53% in Q2 2026.
- Year over year, Return on Sales [ROS] gained in seven of the last eight quarters, with an average year-over-year change of +1.55 percentage points.
- The high point for year-over-year Return on Sales [ROS] in five years was Q4 2024 (a gain of 4.56 percentage points); the low point was Q2 2022 (a drop of 24.42 percentage points).
- Per Business Quant data, the three quarters before Q3 2026 came in at 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) | ROS (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 42.82 Bn | 31.64 Bn | - | 40.10% |
| 2 | Orix | 38.85 Bn | 7.58 Bn | 12.74 Bn | 6.19% |
| 3 | Royalty Pharma | 30.02 Bn | 27.40 Bn | - | 59.53% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.05 Bn | 26.05 Bn | - | 467.76% |
| 5 | Synchrony Financial | 23.55 Bn | -44.08 Bn | - | 43.96% |
| 6 | Affirm Holdings | 23.27 Bn | 16.32 Bn | - | 14.82% |
| 7 | Royal Gold | 22.53 Bn | 21.71 Bn | 390.45 Mn | 62.13% |
| 8 | Annaly Capital Management | 14.32 Bn | 5.27 Bn | - | 51.56% |
| 9 | Ares Capital | 13.77 Bn | 11.52 Bn | - | - |
| 10 | Enova International | 4.28 Bn | 3.88 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 Return on Sales [ROS] 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=return-on-sales-%5Bros%5D&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-sales-[ros]", "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=return-on-sales-%5Bros%5D&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();