| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Loss on early extinguishment of debt | NaN | 0 | 0 | -1,019 |
| Net income | 91,099 | 78,981 | 80,314 | 149,094 |
| Depreciation and amortization | 8,909 | 9,066 | 12,356 | 20,409 |
| Amortization of deferred loan costs and debt discount | 4,306 | 4,259 | 4,359 | 7,970 |
| Change in fair value of loans and finance receivables | 344,300 | 335,483 | 339,872 | 638,036 |
| Stock-based compensation expense | 8,709 | 8,519 | 8,535 | 16,042 |
| Operating leases, net | -295 | -412 | -207 | -909 |
| Deferred income taxes, net | 32,698 | 9,021 | 44,206 | 17,333 |
| Finance and service charges on loans and finance receivables | 4,676 | -1,385 | -1,868 | 1,862 |
| Other receivables and prepaid expenses and other assets | -9,665 | 9,084 | -1,640 | 16,730 |
| Accounts payable and accrued expenses | -32,617 | 50,396 | 2,927 | -18,359 |
| Current income taxes receivable/payable | NaN | 20,538 | NaN | NaN |
| Current income taxes | 1,687 | NaN | -14,482 | 24,647 |
| Net cash provided by operating activities | 474,540 | 498,811 | 481,802 | 838,508 |
| Loans and finance receivables originated or acquired | 2,152,907 | 2,098,379 | 1,809,480 | 3,260,806 |
| Loans and finance receivables repaid | 1,410,286 | 1,307,264 | 1,215,679 | 2,247,079 |
| Capitalization of software development costs and purchases of fixed assets | 10,751 | 11,696 | 11,345 | 24,099 |
| Net cash used in investing activities | -753,372 | -802,811 | -605,146 | -1,037,826 |
| Borrowings under revolving line of credit | 578,000 | 567,000 | 453,000 | 748,000 |
| Repayments under revolving line of credit | 564,000 | 513,000 | 392,000 | 720,000 |
| Repayments of senior notes | NaN | NaN | NaN | 0 |
| Borrowings under securitization facilities | 357,964 | 635,660 | 227,000 | 823,554 |
| Repayments under securitization facilities | 40,755 | 296,877 | 148,157 | 450,622 |
| Debt issuance costs paid | 1,247 | 4,873 | 4,255 | 6,173 |
| Debt prepayment penalty paid | NaN | 0 | 0 | 563 |
| Proceeds from exercise of stock options | 1,747 | 2,505 | 3,593 | 2,616 |
| Treasury shares purchased | 39,590 | 35,328 | 38,403 | 140,859 |
| Net cash provided by financing activities | 292,119 | 355,087 | 100,778 | 255,953 |
| Effect of exchange rates on cash, cash equivalents and restricted cash | 206 | -189 | 88 | 140 |
| Net increase (decrease) in cash, cash equivalents and restricted cash | 13,493 | 50,898 | -22,478 | 56,775 |
| Cash, cash equivalents and restricted cash at beginning of year | 407,863 | 356,965 | 322,668 | NaN |
| Cash, cash equivalents and restricted cash at end of period | 421,356 | 407,863 | 356,965 | NaN |
Enova International, Inc. (ENVA)
Enova International, Inc. (ENVA)