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Enova International, Inc. (ENVA)
Enova International, Inc. (ENVA)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Change in Cash
$43,856K
Free Cash flow
$531,420K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Loans and finance receivables re...
Borrowings under revolving line ...
Change in fair value of loans an...
Others
Negative Cash Flow Breakdown
Loans and finance receivables or...
Repayments under revolving line ...
Repayments under securitization ...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
105,058
91,099
78,981
80,314
Depreciation and amortization
8,418
8,909
9,066
12,356
Amortization of deferred loan costs and debt discount
4,299
4,306
4,259
4,359
Change in fair value of loans and finance receivables
358,786
344,300
335,483
339,872
Stock-based compensation expense
8,747
8,709
8,519
8,535
Loss on early extinguishment of debt
-
-
0
0
Operating leases, net
-415
-295
-412
-207
Deferred income taxes, net
15,663
32,698
9,021
44,206
Finance and service charges on loans and finance receivables
14,128
4,676
-1,385
-1,868
Other receivables and prepaid expenses and other assets
4,194
-9,665
9,084
-1,640
Accounts payable and accrued expenses
43,900
-32,617
50,396
2,927
Current income taxes receivable/payable
-
-
20,538
-
Current income taxes
17,070
1,687
-
-14,482
Net cash provided by operating activities
544,034
474,540
498,811
481,802
Loans and finance receivables originated or acquired
2,139,977
2,152,907
2,098,379
1,809,480
Loans and finance receivables repaid
1,494,625
1,410,286
1,307,264
1,215,679
Capitalization of software development costs and purchases of fixed assets
12,614
10,751
11,696
11,345
Net cash used in investing activities
-657,966
-753,372
-802,811
-605,146
Borrowings under revolving line of credit
514,000
578,000
567,000
453,000
Repayments under revolving line of credit
545,000
564,000
513,000
392,000
Borrowings under securitization facilities
234,674
357,964
635,660
227,000
Repayments under securitization facilities
25,233
40,755
296,877
148,157
Debt issuance costs paid
1,734
1,247
4,873
4,255
Debt prepayment penalty paid
-
-
0
0
Proceeds from exercise of stock options
1,364
1,747
2,505
3,593
Treasury shares purchased
19,780
39,590
35,328
38,403
Net cash provided by financing activities
158,291
292,119
355,087
100,778
Effect of exchange rates on cash, cash equivalents and restricted cash
-503
206
-189
88
Net increase in cash, cash equivalents and restricted cash
43,856
13,493
50,898
-22,478
Cash, cash equivalents and restricted cash at beginning of year
421,356
407,863
356,965
322,668
Cash, cash equivalents and restricted cash at end of period
465,212
421,356
407,863
356,965
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Change in fair value of
loans and finance...
$358,786K
(-43.77%↓ Y/Y)
Net income
$105,058K
(-29.54%↓ Y/Y)
Accounts payable and
accrued expenses
$43,900K
(339.12%↑ Y/Y)
Current income taxes
$17,070K
(-30.74%↓ Y/Y)
Deferred income taxes,
net
$15,663K
(-9.63%↓ Y/Y)
Stock-based compensation
expense
$8,747K
(-45.47%↓ Y/Y)
Borrowings under revolving
line of credit
$514,000K
(-31.28%↓ Y/Y)
Depreciation and
amortization
$8,418K
(-58.75%↓ Y/Y)
Amortization of deferred loan
costs and debt...
$4,299K
(-46.06%↓ Y/Y)
Operating leases, net
-$415K
(54.35%↑ Y/Y)
Borrowings under
securitization facilities
$234,674K
(-71.50%↓ Y/Y)
Proceeds from exercise of
stock options
$1,364K
(-47.86%↓ Y/Y)
Net cash provided by
operating activities
$544,034K
(-35.12%↓ Y/Y)
Net cash provided by
financing activities
$158,291K
(-38.16%↓ Y/Y)
Canceled cashflow
$18,322K
Canceled cashflow
$591,747K
Net increase in
cash, cash...
$43,856K
(-22.75%↓ Y/Y)
Canceled cashflow
$658,469K
Finance and service
charges on loans and...
$14,128K
(658.75%↑ Y/Y)
Other receivables and
prepaid expenses and...
$4,194K
(-74.93%↓ Y/Y)
Loans and finance
receivables repaid
$1,494,625K
(-33.49%↓ Y/Y)
Repayments under revolving
line of credit
$545,000K
(-24.31%↓ Y/Y)
Repayments under
securitization facilities
$25,233K
(-94.40%↓ Y/Y)
Treasury shares
purchased
$19,780K
(-85.96%↓ Y/Y)
Debt issuance costs
paid
$1,734K
(-71.91%↓ Y/Y)
Net cash used in
investing activities
-$657,966K
(36.60%↑ Y/Y)
Effect of exchange
rates on cash, cash...
-$503K
(-459.29%↓ Y/Y)
Canceled cashflow
$1,494,625K
Loans and finance
receivables originated or...
$2,139,977K
(-34.37%↓ Y/Y)
Capitalization of software
development costs and...
$12,614K
(-47.66%↓ Y/Y)
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