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) Net margin
Enova International, Inc.'s net margin over the twelve months to 30 September 2026 was 10.5%, up 0.7 percentage points from fiscal 2025 (9.78%). Over the past ten years it has ranged from 3.12% (fiscal 2019) to 34.9% (fiscal 2020); the current reading is higher than 73% of that period. That is above the Credit Services industry median of 8.35% and below the Financial sector median of 14.3%.
Net margin, annual
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Annual newest first
| Period | Net margin | Change (points) |
|---|---|---|
| FY2025 | 9.78% | 1.90 |
| FY2024 | 7.88% | (0.39) |
| FY2023 | 8.27% | (3.68) |
| FY2022 | 12.0% | (9.27) |
| FY2021 | 21.2% | (13.65) |
| FY2020 | 34.9% | 31.75 |
| FY2019 | 3.12% | (4.09) |
| FY2018 | 7.21% | 3.20 |
| FY2017 | 4.01% | (0.63) |
| FY2016 | 4.64% | (2.10) |
Quarterly newest first
| Period | Net margin | Change (points) |
|---|---|---|
| Sep 2026 | 10.6% | (0.68) |
| Jun 2026 | 11.3% | 0.90 |
| Mar 2026 | 10.4% | 1.00 |
| Dec 2025 | 9.41% | (0.60) |
| 43 more quarters | Free account |
Against its own ten years
Net margin against peers
| Company | Net margin |
|---|---|
| SEZL Sezzle Inc. compare | 31.4% |
| SLM SLM Corporation compare | 19.1% |
| CACC Credit Acceptance Corporation compare | 14.4% |
| OMF OneMain Holdings, Inc. compare | 11.8% |
| BFH Bread Financial Holdings, Inc. compare | 11.0% |
| ENVA Enova International, Inc. | 10.5% |
| FCFS FirstCash Holdings, Inc. compare | 9.48% |
| NNI Nelnet, Inc. compare | 0.00% |
| KLAR Klarna Group plc compare | −3.52% |
| Credit Services industry median | 8.35% |
| Financial sector median | 14.3% |
| Market median | 1.06% |
What Net margin is
Net Profit Margin tells an investor how much of each unit of revenue ends up as profit for shareholders after all costs, interest and taxes.
Net Income Allotted to Shareholders ÷ Revenue
More on ENVA
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating 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