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Enova InternationalENVA -2.68%75 Gross Margin % is 50.62% as of Jun. 2026, which is 7% above its 10-year median of 47.26. GuruFocus rates ENVA with a GF Score™ of 75/100 and a GF Value™ of $141.63 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 390 Credit Services companies, Enova International ranks worse than 53.08% on this metric.
Enova International (NYSE:ENVA) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Enova International had a gross margin of 50.62% for the quarter that ended in Jun. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Enova International Gross Margin % Related Terms
Enova International Gross Margin % Historical Data
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The historical data trend for Enova International's Gross Margin % 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.
ENVA vs CACC, KLAR, SEZL: Gross Margin % Comparison
For the Credit Services subindustry, Enova International's Gross Margin %, along with its competitors' market caps and Gross Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Enova International Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Enova International's Gross Margin % falls into.
* 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Enova International (ENVA) has a Gross Margin % of 50.62% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Enova International and its competitors. This is near median its historical median of 47.26. Over the past decade, Enova International's Gross Margin % has ranged from 40.08 to 78.46. According to the industry distribution chart, Enova International ranks #207 out of 390 companies in the Credit Services industry, placing it in the top 53.1%.
Is Enova International's Gross Margin % too high?
Enova International's current Gross Margin % of 50.62% is near median its 10-year median of 47.26. Over the past 10 years, this metric has ranged from a low of 40.08 to a high of 78.46. The Credit Services industry median Gross Margin % is 51.50. Enova International's value of 50.62% is 1.7% below this industry median. Based on the distribution chart, Enova International ranks #207 out of 390 companies in the Credit Services industry, which is below the industry midpoint. Overall, Enova International has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Gross Margin % compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #207 out of 390 companies for Gross Margin %. This places Enova International in the lower half of its industry. The industry median Gross Margin % is 51.50. Enova International's value of 50.62% is 1.7% below this benchmark. Historically, Enova International's own Gross Margin % has ranged from 40.08 to 78.46 over the past decade. While the company's 10-year median is 47.26 vs. the industry median of 51.50, Enova International has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.50, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Gross Margin % of 50.62% is 1.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Enova International and its competitors. For the Credit Services industry, the median Gross Margin % is 51.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Gross Margin % is 50.62%, which is near median its own 10-year median of 47.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enova International stock overvalued right now?
Based on GuruFocus' analysis, Enova International (ENVA) is currently considered Significantly Overvalued. The stock's GF Value™ is $141.63, compared to a current price of $255.96 — trading 80.7% above its estimated fair value. The current Gross Margin % is 50.62%, which is near median its 10-year median of 47.26 and 1.7% below the Credit Services industry median of 51.50. Enova International's overall GF Score™ is 75/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Enova International (ENVA), the current Gross Margin % is 50.62% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Enova International (ENVA) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of $255.96 is trading 80.7% above its estimated GF Value™ of $141.63.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Gross Margin %: 50.62% (near median its 10-year median of 47.26)
GF Value™: $141.63 vs. price of $255.96 (80.7% above fair value)
Industry Position: 1.7% below the Credit Services median (#207 of 390)
No single metric tells the full story. See the ENVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 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.
75GF Score
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