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
Follow ENVA
Alert me
Enova International, Inc. (ENVA) Operating margin
Enova International, Inc.'s operating margin over the twelve months to 30 September 2026 was 24.0%, up 0.6 percentage points from fiscal 2025 (23.5%). Over the past ten years it has ranged from 15.9% (fiscal 2017) to 34.2% (fiscal 2021); the current reading is higher than 82% of that period. That is above the Credit Services industry median of 0.34% and above the Financial sector median of 0.00%.
Operating margin, annual
Embed this chart
Annual newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| FY2025 | 23.5% | 1.46 |
| FY2024 | 22.0% | 2.07 |
| FY2023 | 19.9% | (2.19) |
| FY2022 | 22.1% | (12.08) |
| FY2021 | 34.2% | 1.18 |
| FY2020 | 33.0% | 11.89 |
| FY2019 | 21.1% | 3.08 |
| FY2018 | 18.1% | 2.11 |
| FY2017 | 15.9% | (0.35) |
| FY2016 | 16.3% | (2.77) |
Quarterly newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| Sep 2026 | 24.5% | (1.03) |
| Jun 2026 | 25.5% | 1.86 |
| Mar 2026 | 23.7% | 1.43 |
| Dec 2025 | 22.2% | (2.27) |
| 43 more quarters | Free account |
Against its own ten years
Operating margin against peers
| Company | Operating margin |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | 76.5% |
| SEZL Sezzle Inc. compare | 41.9% |
| CACC Credit Acceptance Corporation compare | 39.8% |
| ENVA Enova International, Inc. | 24.0% |
| FCFS FirstCash Holdings, Inc. compare | 15.9% |
| NNI Nelnet, Inc. compare | 0.00% |
| OMF OneMain Holdings, Inc. compare | 0.00% |
| SLM SLM Corporation compare | 0.00% |
| KLAR Klarna Group plc compare | −1.21% |
| Credit Services industry median | 0.34% |
| Financial sector median | 0.00% |
| Market median | 0.00% |
What Operating margin is
EBIT Margin tells an investor how much operating profit, before interest and taxes, a company keeps from each unit of revenue.
EBIT ÷ Revenue
More on ENVA
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross 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