Enova International Inc（ENVA）の財務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 84.3% of total sales, equivalent to $445.81M. 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 100.00%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 42.01%, while the net margin is 18.49%. These profitability ratios, combined with a Return on Equity (ROE) of 26.08%, 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 NNI and OTF. With a market capitalization of $4.36B, it holds a significant position in the sector. When comparing efficiency, ENVA's gross margin of 100.00% stands against NNI's 68.15% and OTF's N/A. Such benchmarking helps identify whether Enova International, Inc. is trading at a premium or discount relative to its financial performance.

Enova's revenue has shown consistent growth, with Q2 2026 revenue reported at $568 million, up from $501 million in Q4 2025. The net income for Q2 2026 was $105 million, indicating strong profitability.