EFSC Enterprise Financial Services margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 70

Gross margin

100%

Operating margin

34.3%

EBITDA margin

36.2%

Net margin

26.8%

Currently, Enterprise Financial Services has a gross margin of 100%, an operating margin of 34.3%, an EBITDA margin of 36.2%, and a net margin of 26.8%. The largest decline was in operating margin, down 5.5 percentage points; the remaining margins held steady.

EFSC margin history

Gross, operating, EBITDA and net margin trends

Enterprise Financial Services's margins averaged 100% gross, 38.27% operating, 39.83% EBITDA, and 29.28% net during the last 3 years. Against the three-year averages, operating, EBITDA, and net margins are below their three-year averages.

EFSC margin expansion

Year-over-year margin changes in percentage points

Operating margin contracted by 5.5 percentage points, EBITDA margin by 5 percentage points, and net margin by 1.5 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

-5.5pp

EBITDA margin expansion

-5pp

Net margin expansion

-1.5pp

EFSC Gross margin

Over the last 3 years, Enterprise Financial Services's gross margin averaged 100%. The current gross margin of 100% is in line with its three-year average. During this period, gross margin reached a high of 100% in Sep 2026 and a low of 100% in Dec 2023.

EFSC Operating margin

Enterprise Financial Services recorded an average operating margin of 38.27% across the last 3 years. Enterprise Financial Services currently reports an operating margin of 34.3%, 4 percentage points below its three-year average. During this period, operating margin reached a high of 41.5% in Dec 2023 and a low of 34.3% in Sep 2026.

EFSC EBITDA margin

Over the last 3 years, the average EBITDA margin for Enterprise Financial Services was 39.83%. Currently, the current EBITDA margin for Enterprise Financial Services is 36.2%, 3.6 percentage points below its three-year average. Enterprise Financial Services's EBITDA margin ranged from a low of 36.2% in Sep 2026 to a high of 43.1% in Dec 2023.

EFSC Net margin

Looking back over the last 3 years, Enterprise Financial Services recorded an average net margin of 29.28%. Enterprise Financial Services's current net margin is 26.8% and is 2.5 percentage points below its three-year average. The highest net margin for Enterprise Financial Services was 32.6% in Dec 2023, while the lowest was 26.1% in Jun 2026.

EFSC margin group comparison

Margins compared with peer-group, industry and sector averages

Enterprise Financial Services's gross margin of 100% is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.5%, Enterprise Financial Services's gross margin is 20% higher.

EFSC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Enterprise Financial Services's gross margin?

As of Sep 30, 2026, EFSC has a gross margin of 100%.

What is Enterprise Financial Services's operating margin?

The current operating margin for EFSC is 34.3% as of Sep 30, 2026.

What is Enterprise Financial Services's EBITDA margin?

For the period ending Sep 30, 2026, EFSC recorded an EBITDA margin of 36.2%.

What is Enterprise Financial Services's net margin?

The current net margin for EFSC is 26.8% as of Sep 30, 2026.

What are the average margins of EFSC?

Across the last 3 years, EFSC averaged 100.0% gross, 38.3% operating, 39.8% EBITDA, and 29.3% net.

What are the highest historical margins of EFSC?

In the last 5 years, the highest margins reported by EFSC were 100% gross in Sep 2026, 48.7% operating in Sep 2022, 50.9% EBITDA in Sep 2022, and 38.1% net in Sep 2022.

What are the lowest historical margins of EFSC?

Enterprise Financial Services's lowest recorded margins during the past 5 years were 100% gross in Dec 2021, 34.3% operating in Sep 2026, 36.2% EBITDA in Sep 2026, and 26.1% net in Jun 2026.