$ENVA
Enova International, Inc.

2023 Q3 Form 10-Q Financial Statement

#000095017023035502 Filed on July 28, 2023

View on sec.gov

Income Statement

Concept 2023 Q3 2023 Q2
Revenue $551.4M $299.4M
YoY Change 20.86% -26.62%
Cost Of Revenue
YoY Change
Gross Profit $319.6M $299.4M
YoY Change 8.64% 13.16%
Gross Profit Margin 57.97% 100.0%
Selling, General & Admin $154.2M $179.2M
YoY Change 11.4% 43.05%
% of Gross Profit 48.26% 59.84%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $9.900M $8.629M
YoY Change -12.16% 13.78%
% of Gross Profit 3.1% 2.88%
Operating Expenses $215.9M $187.8M
YoY Change 10.32% 7.25%
Operating Profit $103.7M $111.6M
YoY Change 5.3% 24.71%
Interest Expense $48.67M -$46.70M
YoY Change 57.37% -287.19%
% of Operating Profit 46.92% -41.85%
Other Income/Expense, Net -$25.00K -$121.0K
YoY Change -89.13% -88.91%
Pretax Income $55.21M $64.77M
YoY Change -18.32% -7.19%
Income Tax $13.93M $16.63M
% Of Pretax Income 25.22% 25.67%
Net Earnings $41.29M $48.15M
YoY Change -20.16% -8.12%
Net Earnings / Revenue 7.49% 16.08%
Basic Earnings Per Share $1.35 $1.55
Diluted Earnings Per Share $1.29 $1.50
COMMON SHARES
Basic Shares Outstanding 30.79M 31.21M
Diluted Shares Outstanding 31.90M 32.20M

Balance Sheet

Concept 2023 Q3 2023 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $62.90M $100.0M
YoY Change -28.3% -30.57%
Cash & Equivalents $62.91M $100.0M
Short-Term Investments
Other Short-Term Assets $192.0M $219.4M
YoY Change 33.44% 70.69%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $3.642B $3.445B
YoY Change 19.9% 23.99%
LONG-TERM ASSETS
Property, Plant & Equipment $103.9M $115.6M
YoY Change 16.22% 30.43%
Goodwill $279.3M $279.3M
YoY Change 0.0% 0.0%
Intangibles $21.02M $23.03M
YoY Change -28.51% -26.69%
Long-Term Investments
YoY Change
Other Assets $41.20M $45.52M
YoY Change -23.34% -16.42%
Total Long-Term Assets $461.4M $463.4M
YoY Change -2.27% -2.47%
TOTAL ASSETS
Total Short-Term Assets $3.642B $3.445B
Total Long-Term Assets $461.4M $463.4M
Total Assets $4.103B $3.908B
YoY Change 16.92% 20.13%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $275.2M $229.3M
YoY Change 62.86% 35.27%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $275.2M $229.3M
YoY Change 62.86% 35.27%
LONG-TERM LIABILITIES
Long-Term Debt $2.443B $2.297B
YoY Change 18.61% 24.79%
Other Long-Term Liabilities $27.10M $28.38M
YoY Change -23.27% -23.21%
Total Long-Term Liabilities $2.470B $2.325B
YoY Change 17.9% 23.85%
TOTAL LIABILITIES
Total Short-Term Liabilities $275.2M $229.3M
Total Long-Term Liabilities $2.470B $2.325B
Total Liabilities $2.842B $2.659B
YoY Change 20.26% 23.94%
SHAREHOLDERS EQUITY
Retained Earnings $1.454B $1.412B
YoY Change 15.15% 16.66%
Common Stock $274.1M $266.1M
YoY Change 11.82% 11.23%
Preferred Stock
YoY Change
Treasury Stock (at cost) $459.4M $423.0M
YoY Change 29.79% 26.56%
Treasury Stock Shares
Shareholders Equity $1.261B $1.249B
YoY Change
Total Liabilities & Shareholders Equity $4.103B $3.908B
YoY Change 16.92% 20.13%

Cashflow Statement

Concept 2023 Q3 2023 Q2
OPERATING ACTIVITIES
Net Income $41.29M $48.15M
YoY Change -20.16% -8.12%
Depreciation, Depletion And Amortization $9.900M $8.629M
YoY Change -12.16% 13.78%
Cash From Operating Activities $271.3M $299.3M
YoY Change 16.59% 25.43%
INVESTING ACTIVITIES
Capital Expenditures $12.80M $10.27M
YoY Change -228.27% -177.84%
Acquisitions
YoY Change
Other Investing Activities -$432.2M -$267.8M
YoY Change -6.78% -23.85%
Cash From Investing Activities -$444.9M -$278.0M
YoY Change -6.07% -23.79%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 108.7M -48.62M
YoY Change -45.32% -143.21%
NET CHANGE
Cash From Operating Activities 271.3M 299.3M
Cash From Investing Activities -444.9M -278.0M
Cash From Financing Activities 108.7M -48.62M
Net Change In Cash -64.90M -27.35M
YoY Change 53.93% 100.05%
FREE CASH FLOW
Cash From Operating Activities $271.3M $299.3M
Capital Expenditures $12.80M $10.27M
Free Cash Flow $258.5M $289.1M
YoY Change 6.53% 14.78%

Facts In Submission

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CY2023Q2 us-gaap Short Term Lease Cost
ShortTermLeaseCost
274000
CY2022Q2 us-gaap Short Term Lease Cost
ShortTermLeaseCost
40000
us-gaap Short Term Lease Cost
ShortTermLeaseCost
525000
us-gaap Short Term Lease Cost
ShortTermLeaseCost
84000
CY2023Q2 us-gaap Sublease Income
SubleaseIncome
57000
CY2022Q2 us-gaap Sublease Income
SubleaseIncome
57000
us-gaap Sublease Income
SubleaseIncome
113000
us-gaap Sublease Income
SubleaseIncome
139000
CY2023Q2 us-gaap Lease Cost
LeaseCost
1530000
CY2022Q2 us-gaap Lease Cost
LeaseCost
2156000
us-gaap Lease Cost
LeaseCost
3528000
us-gaap Lease Cost
LeaseCost
4027000
CY2023Q2 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear
2531000
CY2023Q2 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
3341000
CY2023Q2 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
3401000
CY2023Q2 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
3723000
CY2023Q2 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
4988000
CY2023Q2 enva Lessee Operating Lease Liability Payments Due After Year Four
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour
28254000
CY2023Q2 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
46238000
CY2023Q2 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
17854000
CY2023Q2 us-gaap Operating Lease Liability
OperatingLeaseLiability
28384000
CY2023Q2 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P8Y8M12D
CY2022Q2 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P4Y9M18D
CY2022Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P4Y6M
CY2023Q2 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0899
CY2022Q2 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.10
CY2022Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.1012
CY2023Q2 us-gaap Operating Lease Payments
OperatingLeasePayments
2545000
CY2022Q2 us-gaap Operating Lease Payments
OperatingLeasePayments
2702000
us-gaap Operating Lease Payments
OperatingLeasePayments
5158000
us-gaap Operating Lease Payments
OperatingLeasePayments
5564000
CY2023Q2 enva Noncash Transactions Related To Adjustments To Lease Liability And Right Of Use Asset Operating Leases
NoncashTransactionsRelatedToAdjustmentsToLeaseLiabilityAndRightOfUseAssetOperatingLeases
3178000
enva Noncash Transactions Related To Adjustments To Lease Liability And Right Of Use Asset Operating Leases
NoncashTransactionsRelatedToAdjustmentsToLeaseLiabilityAndRightOfUseAssetOperatingLeases
-2969000
CY2023Q2 us-gaap Deferred Finance Costs Net
DeferredFinanceCostsNet
5052000
CY2022Q2 us-gaap Deferred Finance Costs Net
DeferredFinanceCostsNet
6353000
CY2022Q4 us-gaap Deferred Finance Costs Net
DeferredFinanceCostsNet
5112000
CY2023Q2 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
1928000
CY2022Q2 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
1284000
CY2022Q4 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
987000
CY2023Q2 us-gaap Long Term Debt
LongTermDebt
2297026000
CY2022Q2 us-gaap Long Term Debt
LongTermDebt
1840665000
CY2022Q4 us-gaap Long Term Debt
LongTermDebt
2258660000
CY2023Q2 us-gaap Longterm Debt Weighted Average Interest Rate
LongtermDebtWeightedAverageInterestRate
0.08
CY2022Q2 us-gaap Longterm Debt Weighted Average Interest Rate
LongtermDebtWeightedAverageInterestRate
0.0584
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.24
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.241
CY2023Q2 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
110700000
CY2023Q2 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
13600000
CY2022Q2 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
64700000
CY2022Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
87700000
CY2023Q2 us-gaap Decrease In Unrecognized Tax Benefits Is Reasonably Possible
DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible
3100000
CY2023Q2 us-gaap Net Income Loss
NetIncomeLoss
48145000
CY2022Q2 us-gaap Net Income Loss
NetIncomeLoss
52401000
us-gaap Net Income Loss
NetIncomeLoss
99068000
us-gaap Net Income Loss
NetIncomeLoss
104844000
CY2023Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
31084000
CY2022Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
32497000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
31212000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
32933000
CY2023Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1119000
CY2022Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
987000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1244000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1248000
CY2023Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
32203000
CY2022Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33484000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
32456000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
34181000
CY2023Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.55
CY2022Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.61
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
3.17
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
3.18
CY2023Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.5
CY2022Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.56
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
3.05
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
3.07
us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2023Q2 us-gaap Revenues
Revenues
499431000
CY2022Q2 us-gaap Revenues
Revenues
407990000
us-gaap Revenues
Revenues
982687000
us-gaap Revenues
Revenues
793721000
CY2023Q2 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
99100000
CY2022Q2 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
88600000
CY2022Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
93200000
CY2023Q2 enva Fair Value Assets Transfers Amount
FairValueAssetsTransfersAmount
0
CY2022Q2 enva Fair Value Assets Transfers Amount
FairValueAssetsTransfersAmount
0
enva Fair Value Liabilities Transfers Amount
FairValueLiabilitiesTransfersAmount
0
enva Fair Value Liabilities Transfers Amount
FairValueLiabilitiesTransfersAmount
0

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