Company / Gross Margin
Enova International, Inc. Gross Margin History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Gross Margin
58.1%
FY2025
5-year range
48.7% / 84.8%
FY2021-FY2025
Trend
+0.9%
vs FY2024
Sector context
#9 of 21
Financials
What the data says
At 58.1%, Enova International, Inc.'s gross margin ranks #9 of 21 in the Financials sector. Gross Margin has fluctuated over the past 10 years, ranging from 48.2% in FY2020 to 84.8% in FY2023.
Based on SEC 10-K filings.
58.1% in FY2025 with a 5-year CAGR of +9.8%.
Declined from 84.8% to 58.1% over the past 2 years.
Financials sector context is included.
Gross Margin over time
Growth rates
- 3-Year Change
- -5.1pp
- 5-Year Change
- +9.8pp
- 10-Year Change
- -
Sector benchmark
#9 of 21 in FinancialsTop 43% of 21This company 58.1% Sector average 46.2%
▼
+25.8% above sector average
Key checks
Key Insights
- In FY2025, gross margin increased 0.9% year-over-year.
- Currently 11.9pp above the Financials sector average.
- Peak gross margin was recorded in FY2023.
- Lowest gross margin in the period was in FY2020.
Company context
Key Data Points
- Altman Z-Score 1.21 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Gross MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 58.1% | +0.9% |
| FY2024 | 57.6% | -32.1% |
| FY2023 | 84.8% | +34.3% |
| FY2022 | 63.1% | +29.7% |
| FY2021 | 48.7% | +0.9% |
| FY2020 | 48.2% | -0.9% |
| FY2019 | 48.7% | +0.9% |
| FY2018 | 48.2% | -6.3% |
| FY2017 | 51.5% | -23.2% |
| FY2016 | 67.1% | +0.4% |
As of FY2025 · SEC Form 10-K · Last checked Jun 30, 2026