ENVA (Enova International) COGS-to-Revenue : 0.54 (As of Mar. 2025)

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What is Enova International COGS-to-Revenue?

Enova International's Cost of Goods Sold for the three months ended in Mar. 2025 was $400 Mil. Its Revenue for the three months ended in Mar. 2025 was $746 Mil.

Enova International's COGS to Revenue for the three months ended in Mar. 2025 was 0.54.

Cost of Goods Sold is directly linked to profitability of the company through Gross Margin. Enova International's Gross Margin % for the three months ended in Mar. 2025 was 46.36%.

Enova International COGS-to-Revenue Historical Data

The historical data trend for Enova International's COGS-to-Revenue can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Enova International COGS-to-Revenue Chart

Enova International Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

COGS-to-Revenue

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0.45

0.22

0.42

0.51

0.53

Enova International Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
COGS-to-Revenue	Get a 7-Day Free Trial															0.54	0.52	0.53	0.54	0.54

Enova International COGS-to-Revenue Calculation

Enova International's COGS to Revenue for the fiscal year that ended in Dec. 2024 is calculated as

COGS to Revenue	=	Cost of Goods Sold	/	Revenue
	=	1418.793	/	2657.8
	=	0.53

Enova International's COGS to Revenue for the quarter that ended in Mar. 2025 is calculated as

COGS to Revenue	=	Cost of Goods Sold	/	Revenue
	=	399.903	/	745.541
	=	0.54

Enova International (NYSE:ENVA) COGS-to-Revenue Explanation

Cost of Goods Sold is directly linked to profitability of the company through Gross Margin.

Enova International's Gross Margin % for the three months ended in Mar. 2025 is calculated as:

Gross Margin %	=	1	-	COGS to Revenue
	=	1	-	Cost of Goods Sold / Revenue
	=	1	-	399.903 / 745.541
	=	46.36 %

A company that has a moat can usually maintain or even expand their Gross Margin. A company can increase its Gross Margin in two ways. It can increase the prices of the goods it sells and keeps its Cost of Goods Sold unchanged. Or it can keep the sales price unchanged and squeeze its suppliers to reduce the Cost of Goods Sold. Warren Buffett believes businesses with the power to raise prices have moats.

Enova International COGS-to-Revenue Related Terms

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Enova International Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Enova International Inc (NYSE:ENVA) » Definitions » COGS-to-Revenue

Comparable Companies

Traded in Other Exchanges

27E:Germany

Address

175 West Jackson Boulevard, Suite 1000, Chicago, IL, USA, 60604

Website

https://www.enova.com

Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.

Executives

David Fisher	director, officer: President - CEO	39 SOUTH LASALLE STREET, SUITE 220, CHICAGO IL 60605
Sean Rahilly	officer: VP - Chief Compliance Officer	C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604
Steven E Cunningham	officer: Executive VP - CFO & Treasurer	2500 LAKE COOK ROAD, RIVERWOODS IL 60015
James Joseph Lee	officer: Chief Accounting Officer	C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., SUITE 1000, CHICAGO IL 60604
Linda Johnson Rice	director
Kirk Chartier	officer: SVP - Chief Marketing Officer	C/O OPTIONSXPRESS HOLDINGS, INC., 311 WEST MONROE; SUITE 1000, CHICAGO IL 60606
Gregg A. Kaplan	director	C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604
Ellen Carnahan	director	222 WEST ADAMS ST, C/O WILLIAM BLAIR VENTURE MANAGEMENT CO, CHICAGO IL 60606-5307
James A Gray	director	39 SOUTH LASALLE STREET SUITE 220, CHICAGO IL 60605
William M Goodyear	director	NAVIGANT CONSULTING, INC, 615 N. WABASH AVENUE, CHICAGO IL 60611
Mark Mcgowan	director	C/O COMBIMATRIX CORPORATION, 6500 HARBOUR HEIGHTS PARKWAY, SUITE 303, MUKILTEO WA 98275
Gregory T Zeeman	officer: SVP - Chief Operating Officer	C/O HSBC NORTH AMERICA, 26525 N. RIVERWOODS BLVD., METTAWA IL 60045
Daniel R Feehan	director	CASH AMERICA INTL INC, 1600 W &TH ST, FORT WORTH TX 76102
Mark Tebbe	director	LANTE CORP, 161 NORTH CLARK STREET, SUITE 4900, CHICAGO IL 60601
John Higginson	officer: VP - Chief Technology Officer	C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604