Enova International, Inc. (ENVA) Earnings History
Annual and quarterly earnings data from 2009 to 2025
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 50.1% | 23.5% | 9.8% |
| 2024 | 46.6% | 22.0% | 7.9% |
| 2023 | 48.9% | 19.9% | 8.3% |
| 2022 | 57.7% | 22.1% | 11.9% |
| 2021 | 78.5% | 34.2% | 21.2% |
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Enova International, Inc. (ENVA) Earnings Overview
As of March 1, 2026, Enova International, Inc. (ENVA) reported trailing twelve-month net income of $308M, reflecting +0.6% year-over-year growth. The company earned $11.70 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, ENVA's 5-year EPS compound annual growth rate (CAGR) stands at -0.2%, signaling declining earnings. The company achieved its highest annual net income of $378M in fiscal 2020.
Enova International, Inc. maintains positive profitability with a gross margin of 0.5%, operating margin of 0.2%, and net margin of 0.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including COF ($1.42B net income, 0.1% margin), SYF ($3.58B net income, 0.2% margin), SYF-PB ($3.58B net income, 0.2% margin), ENVA has outperformed on profitability metrics. Compare ENVA vs COF →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
17 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $308M | +47.2% | $739M | $11.58 | 9.8% | 23.5% |
| 2024 | $209M | +19.6% | $585M | $7.43 | 7.9% | 22.0% |
| 2023 | $175M | -15.6% | $422M | $5.49 | 8.3% | 19.9% |
| 2022 | $207M | -19.1% | $384M | $6.19 | 11.9% | 22.1% |
| 2021 | $256M | -32.2% | $413M | $6.79 | 21.2% | 34.2% |
| 2020 | $378M | +932.0% | $358M | $11.70 | 34.9% | 33.0% |
| 2019 | $37M | -47.8% | $248M | $3.72 | 3.1% | 21.1% |
| 2018 | $70M | +139.7% | $176M | $1.99 | 7.2% | 18.0% |
| 2017 | $29M | -15.5% | $116M | $0.86 | 4.0% | 15.9% |
| 2016 | $35M | -21.3% | $121M | $1.03 | 4.6% | 16.3% |
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Start ComparisonFrequently Asked Questions
Is ENVA growing earnings?
ENVA EPS of $11.70 reflects slowing growth at +0.6%, below the 5-year CAGR of -0.2%. TTM net income is $308M. Expansion rate has moderated.
What are ENVA's profit margins?
Enova International, Inc. net margin is +0.1%, with operating margin at +0.2%. Below-average margins reflect competitive or cost pressures.
How consistent are ENVA's earnings?
ENVA earnings data spans 2009-2025. The current earnings trend is +0.6% YoY. Historical data enables comparison across business cycles.