Enova International (ENVA) Margins & Profitability 2020-2026

Gross, EBITDA, operating, and net margin trends

Margins

Profit margins across the income statement

Gross Margin: 60.4%
EBITDA Margin: 24.7%
Op. Margin: 23.7%
Net Margin: 10.4%

Op. margin of 23.7% is up 0.6% YoY — cost efficiency is improving. Net margin at 10.4% and gross margin of 60.4% — earnings take a bigger bite when COGS stays lean..

Gross Margin (%)

Revenue left after direct cost of goods sold

EBITDA Margin (%)

Operating profitability independent of capital structure

Operating & Net Margins (%)

How much of each dollar becomes profit