Revenue Breakdown
Composition ()
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Revenue Streams
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 96.2% of total sales, equivalent to $443.41M. 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.
Profitability & Margins
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 37.19%, while the net margin is 15.74%. These profitability ratios, combined with a Return on Equity (ROE) of 24.34%, provide a clear picture of how effectively ENVA converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, ENVA competes directly with industry leaders such as WSC and CAR. With a market capitalization of $4.00B, it holds a significant position in the sector. When comparing efficiency, ENVA's gross margin of 100.00% stands against WSC's 45.37% and CAR's 38.99%. Such benchmarking helps identify whether Enova International Inc is trading at a premium or discount relative to its financial performance.
