SuperworthEnova International profit margin ENVA
Gross, operating and net profit as a share of revenue over the last twelve months, from 2013.
- Net margin, 12 months
- 10.5%
- Operating margin, 12 months
- 24.0%
- Net margin on a year earlier
- +0.8 pts
- Peer median
- 21.3%
Over the twelve months to Sep 30, 2026, Enova International kept 10.5% of its revenue as net profit, with an operating margin of 24.0% and a gross margin of 60.6%.
Five years earlier its net margin was 39.6%.
The median for 10 credit services stocks of a similar size is 21.3%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin | Operating margin | Gross margin |
|---|---|---|---|
| FY2025 | 9.8% | 23.5% | 58.1% |
| FY2024 | 7.9% | 22.0% | 57.5% |
| FY2023 | 8.3% | 19.9% | 58.1% |
| FY2022 | 11.9% | 22.1% | 64.4% |
| FY2021 | 21.2% | 34.2% | 84.8% |
| FY2020 | 34.9% | 33.0% | 63.1% |
| FY2019 | 3.1% | 21.1% | 48.7% |
| FY2018 | 7.2% | 18.8% | 48.2% |
| FY2017 | 3.5% | 15.9% | 53.0% |
| FY2016 | 4.6% | 16.3% | 56.0% |
| FY2015 | 6.7% | 19.1% | 66.8% |
| FY2014 | 13.8% | 26.5% | 67.1% |
| FY2013 | 10.2% | n/a | 58.8% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year | Operating margin |
|---|---|---|---|---|
| Q3 FY26 | 10.5% | +0.8 pts | 24.0% | |
| Q2 FY26 | 10.3% | +1.6 pts | 24.0% | |
| Q1 FY26 | 10.0% | +1.6 pts | 23.6% | |
| Q4 FY25 | 9.8% | +1.9 pts | 23.5% | |
| Q3 FY25 | 9.6% | +2.4 pts | 23.3% | |
| Q2 FY25 | 8.7% | +1.2 pts | 22.7% | |
| Q1 FY25 | 8.4% | +0.7 pts | 22.4% | |
| Q4 FY24 | 7.9% | −0.4 pts | 22.0% | |
| Q3 FY24 | 7.2% | −2.3 pts | 21.0% | |
| Q2 FY24 | 7.5% | −3.0 pts | 20.1% | |
| Q1 FY24 | 7.7% | −3.5 pts | 19.8% | |
| Q4 FY23 | 8.3% | −3.7 pts | 19.9% |
Against its peers
Companies in Financial - Credit Services nearest Enova International's size, closest first, today.
| Company | Profit margin |
|---|---|
| ENVAEnova International | 10.5% |
| PAYPaymentus | 6.2% |
| BFHBread Financial | 14.4% |
| NNINelnet | 25.8% |
| SEZLSezzle | 30.4% |
| DAVEDave | 34.6% |
| SLMSLM | 31.7% |
| TNETTrinet | 3.6% |
| MMSMaximus | 7.1% |
| FIGRFigure Technology Solutions | 33.5% |
| RELYRemitly Global | 16.9% |
| Peer median | 21.3% |
Where Enova International ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Enova International
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.