Finanzas de Enova International Inc (ENVA)ENVAEnova International Inc

Enova International, Inc. (ENVA) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Consumer loans and finance receivables revenue, accounting for 84.0% of total sales, equivalent to $477.42M. Other significant revenue streams include Small business loans and finance receivables revenue and Other. Understanding this composition is critical for investors evaluating how ENVA navigates market cycles within the Consumer Lending industry.

Evaluating the bottom line, Enova International, Inc. maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 40.24%, while the net margin is 17.47%. These profitability ratios, combined with a Return on Equity (ROE) of 26.82%, provide a clear picture of how effectively ENVA converts its operational activities into shareholder value.

In the context of the broader market, ENVA competes directly with industry leaders such as OTF and BFH. With a market capitalization of $4.04B, it holds a significant position in the sector. When comparing efficiency, ENVA's gross margin of N/A stands against OTF's N/A and BFH's 70.11%. Such benchmarking helps identify whether Enova International, Inc. is trading at a premium or discount relative to its financial performance.

Enova reported a strong Q3 2026 revenue of $1.009 billion, marking over 25% year-over-year growth, but the withdrawal of banking license applications has created uncertainty.