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Enova International ENVA Operating margin

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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
Net margin10%+1.6pp
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.

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 operating margin?
Enova International (ENVA) reported operating margin of 23.6% in Q1 2026.
How has Enova International's operating margin changed year-over-year?
Enova International's operating margin increased by 5.4% year-over-year, from 22.4% to 23.6%.
What is the long-term trend for Enova International's operating margin?
Over 5 years (2020 to 2025), Enova International's operating margin has grown at a -6.6% compound annual growth rate (CAGR), from 33% to 23.5%.
What does operating margin mean?
Operating income as a percentage of revenue (trailing twelve months). Captures profitability from core operations after both cost of revenue and operating expenses, but before interest and taxes.