stockrowEnova International, Inc.
ENVA Financial Credit Services
Enova International, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, up 18.6% from fiscal 2024.
- Revenue
- +25.7%
- EPS
- +33.9%
- Free cash flow
- +11.4%
- Total debt
- +30.9%
Quarter to September 2026, against a year earlier
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Enova International, Inc. (ENVA) Gross margin
Enova International, Inc.'s gross margin over the twelve months to 30 September 2026 was 60.6%, up 2.5 percentage points from fiscal 2025 (58.1%). Over the past ten years it has ranged from 48.2% (fiscal 2018) to 84.8% (fiscal 2021); the current reading is higher than 55% of that period. That is below the Credit Services industry median of 76.6% and below the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 58.1% | 0.52 |
| FY2024 | 57.6% | (0.53) |
| FY2023 | 58.1% | (6.29) |
| FY2022 | 64.4% | (20.42) |
| FY2021 | 84.8% | 21.66 |
| FY2020 | 63.1% | 14.45 |
| FY2019 | 48.7% | 0.44 |
| FY2018 | 48.2% | (3.26) |
| FY2017 | 51.5% | (4.51) |
| FY2016 | 56.0% | (10.76) |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 60.9% | (0.27) |
| Jun 2026 | 61.2% | 0.71 |
| Mar 2026 | 60.4% | 0.65 |
| Dec 2025 | 59.8% | 2.39 |
| 43 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | 100.0% |
| CACC Credit Acceptance Corporation compare | 100.0% |
| OMF OneMain Holdings, Inc. compare | 79.8% |
| NNI Nelnet, Inc. compare | 78.3% |
| SLM SLM Corporation compare | 62.0% |
| ENVA Enova International, Inc. | 60.6% |
| KLAR Klarna Group plc compare | 58.2% |
| FCFS FirstCash Holdings, Inc. compare | 50.2% |
| SEZL Sezzle Inc. compare | 0.00% |
| Credit Services industry median | 76.6% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on ENVA
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement