What is Enova International's net margin?

Enova International (ENVA) reported net margin of 10% in Q1 2026.

How has Enova International's net margin changed year-over-year?

Enova International's net margin increased by 18.8% year-over-year, from 8.4% to 10%.

What is the long-term trend for Enova International's net margin?

Over 5 years (2020 to 2025), Enova International's net margin has grown at a -22.4% compound annual growth rate (CAGR), from 34.9% to 9.8%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Enova International ENVA Net margin

Net margin at other companies

Credit AcceptanceCACC

19.5%+6.5pp

SoFi Technologies, Inc.SOFI

14.6%-2.6pp

International BancsharesIBOC

49%-0.5pp

Atlantic Union BanksharesAUB

22.6%-1.8pp

Ameris BancorpABCB

35.2%+3.1pp

Western Alliance BancorporationWAL

25.2%0.0pp

Other financials

Income statement

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Revenue$875.1M+17.4%

Gross profit$529.0M+24.1%

Operating income$207.1M+20.5%

Net income$91.1M+24.9%

EPS (diluted)$3.46+28.6%

Balance sheet

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Cash & equivalents$96.1M+73.2%

Total debt$4.9B+28.4%

Total equity$1.4B+17.1%

Total assets$6.9B+26.0%

Cash flow

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Operating cash flow$474.5M+21.3%

CapEx$10.8M-16.5%

Free cash flow$463.8M+22.6%

Valuation

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Market cap$5.04B+36.4%

Enterprise value$9.81B+31.2%

P/E15.4×-0.4×

P/S1.5×+0.2×

Profitability

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Gross margin58.9%+1.3pp

Operating margin23.6%+1.2pp

FCF margin56.6%+1.6pp

Returns & leverage

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Return on equity25.1%+5.2pp

Debt / equity3.5×+0.3×

Where this comes from

Calculated from Enova International’s reported figures.

net income/total revenue=10%

Based on trailing twelve months.

The official record: Enova International’s 10-Q, filed April 23, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Enova International's net margin?: Enova International (ENVA) reported net margin of 10% in Q1 2026.
How has Enova International's net margin changed year-over-year?: Enova International's net margin increased by 18.8% year-over-year, from 8.4% to 10%.
What is the long-term trend for Enova International's net margin?: Over 5 years (2020 to 2025), Enova International's net margin has grown at a -22.4% compound annual growth rate (CAGR), from 34.9% to 9.8%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.