$ENVA
Enova International, Inc.

2023 Q4 Form 10-Q Financial Statement

#000095017023055249 Filed on October 25, 2023

View on sec.gov

Income Statement

Concept 2023 Q4 2023 Q3
Revenue $325.0M $551.4M
YoY Change 12.04% 20.86%
Cost Of Revenue
YoY Change
Gross Profit $319.6M
YoY Change 8.64%
Gross Profit Margin 57.97%
Selling, General & Admin $218.5M $154.2M
YoY Change 23.87% 11.4%
% of Gross Profit 48.26%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $9.034M $9.900M
YoY Change 6.29% -12.16%
% of Gross Profit 3.1%
Operating Expenses $227.5M $215.9M
YoY Change 23.07% 10.32%
Operating Profit $103.7M
YoY Change 5.3%
Interest Expense -$55.91M $48.67M
YoY Change 45.85% 57.37%
% of Operating Profit 46.92%
Other Income/Expense, Net -$25.00K
YoY Change -89.13%
Pretax Income $41.63M $55.21M
YoY Change -37.79% -18.32%
Income Tax $6.860M $13.93M
% Of Pretax Income 16.48% 25.22%
Net Earnings $34.77M $41.29M
YoY Change -31.66% -20.16%
Net Earnings / Revenue 10.7% 7.49%
Basic Earnings Per Share $1.35
Diluted Earnings Per Share $1.13 $1.29
COMMON SHARES
Basic Shares Outstanding 29.87M 30.79M
Diluted Shares Outstanding 31.90M

Balance Sheet

Concept 2023 Q4 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $54.36M $62.90M
YoY Change -45.73% -28.3%
Cash & Equivalents $54.36M $62.91M
Short-Term Investments
Other Short-Term Assets $395.1M $192.0M
YoY Change 173.4% 33.44%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $4.123B $3.642B
YoY Change 24.67% 19.9%
LONG-TERM ASSETS
Property, Plant & Equipment $123.0M $103.9M
YoY Change 31.93% 16.22%
Goodwill $279.3M $279.3M
YoY Change 0.0% 0.0%
Intangibles $19.01M $21.02M
YoY Change -30.61% -28.51%
Long-Term Investments
YoY Change
Other Assets $41.58M $41.20M
YoY Change -24.0% -23.34%
Total Long-Term Assets $462.8M $461.4M
YoY Change -2.35% -2.27%
TOTAL ASSETS
Total Short-Term Assets $4.123B $3.642B
Total Long-Term Assets $462.8M $461.4M
Total Assets $4.586B $4.103B
YoY Change 21.28% 16.92%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $261.2M $275.2M
YoY Change 31.68% 62.86%
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 $261.2M $275.2M
YoY Change 31.68% 62.86%
LONG-TERM LIABILITIES
Long-Term Debt $2.944B $2.443B
YoY Change 30.33% 18.61%
Other Long-Term Liabilities $27.04M $27.10M
YoY Change -19.51% -23.27%
Total Long-Term Liabilities $2.971B $2.470B
YoY Change 29.6% 17.9%
TOTAL LIABILITIES
Total Short-Term Liabilities $261.2M $275.2M
Total Long-Term Liabilities $2.971B $2.470B
Total Liabilities $3.345B $2.842B
YoY Change 28.93% 20.26%
SHAREHOLDERS EQUITY
Retained Earnings $1.488B $1.454B
YoY Change 13.34% 15.15%
Common Stock $284.3M $274.1M
YoY Change 12.85% 11.82%
Preferred Stock
YoY Change
Treasury Stock (at cost) $526.1M $459.4M
YoY Change 41.08% 29.79%
Treasury Stock Shares
Shareholders Equity $1.240B $1.261B
YoY Change
Total Liabilities & Shareholders Equity $4.586B $4.103B
YoY Change 21.28% 16.92%

Cashflow Statement

Concept 2023 Q4 2023 Q3
OPERATING ACTIVITIES
Net Income $34.77M $41.29M
YoY Change -31.66% -20.16%
Depreciation, Depletion And Amortization $9.034M $9.900M
YoY Change 6.29% -12.16%
Cash From Operating Activities $314.3M $271.3M
YoY Change 16.77% 16.59%
INVESTING ACTIVITIES
Capital Expenditures $11.84M $12.80M
YoY Change 14.53% -228.27%
Acquisitions
YoY Change
Other Investing Activities -$554.4M -$432.2M
YoY Change 28.65% -6.78%
Cash From Investing Activities -$566.3M -$444.9M
YoY Change 28.32% -6.07%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 432.9M 108.7M
YoY Change 141.84% -45.32%
NET CHANGE
Cash From Operating Activities 314.3M 271.3M
Cash From Investing Activities -566.3M -444.9M
Cash From Financing Activities 432.9M 108.7M
Net Change In Cash 181.0M -64.90M
YoY Change 2539.71% 53.93%
FREE CASH FLOW
Cash From Operating Activities $314.3M $271.3M
Capital Expenditures $11.84M $12.80M
Free Cash Flow $302.4M $258.5M
YoY Change 16.86% 6.53%

Facts In Submission

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CY2022Q3 enva Third Party Lender Owned Consumer Loans At Fair Value
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us-gaap Lessee Operating Lease Option To Terminate
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CY2022Q3 us-gaap Variable Lease Cost
VariableLeaseCost
356000
us-gaap Variable Lease Cost
VariableLeaseCost
810000
us-gaap Variable Lease Cost
VariableLeaseCost
595000
CY2023Q3 us-gaap Short Term Lease Cost
ShortTermLeaseCost
219000
CY2022Q3 us-gaap Short Term Lease Cost
ShortTermLeaseCost
84000
us-gaap Short Term Lease Cost
ShortTermLeaseCost
744000
us-gaap Short Term Lease Cost
ShortTermLeaseCost
168000
CY2023Q3 us-gaap Sublease Income
SubleaseIncome
57000
CY2022Q3 us-gaap Sublease Income
SubleaseIncome
45000
us-gaap Sublease Income
SubleaseIncome
170000
us-gaap Sublease Income
SubleaseIncome
184000
CY2023Q3 us-gaap Lease Cost
LeaseCost
1708000
CY2022Q3 us-gaap Lease Cost
LeaseCost
2396000
us-gaap Lease Cost
LeaseCost
5236000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear
657000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
3341000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
3401000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
3723000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
4988000
CY2023Q3 enva Lessee Operating Lease Liability Payments Due After Year Four
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour
28254000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
44364000
CY2023Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
17228000
CY2023Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
27136000
CY2023Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P8Y6M
CY2022Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P4Y9M18D
CY2022Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P4Y6M
CY2023Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.09
CY2022Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.1008
CY2022Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.1012
CY2023Q3 us-gaap Operating Lease Payments
OperatingLeasePayments
1874000
CY2022Q3 us-gaap Operating Lease Payments
OperatingLeasePayments
2585000
us-gaap Operating Lease Payments
OperatingLeasePayments
7032000
us-gaap Operating Lease Payments
OperatingLeasePayments
8149000
enva Noncash Transactions Related To Adjustments To Lease Liability And Right Of Use Asset Operating Leases
NoncashTransactionsRelatedToAdjustmentsToLeaseLiabilityAndRightOfUseAssetOperatingLeases
-2969000
CY2023Q3 us-gaap Deferred Finance Costs Net
DeferredFinanceCostsNet
7125000
CY2022Q3 us-gaap Deferred Finance Costs Net
DeferredFinanceCostsNet
5732000
CY2022Q4 us-gaap Deferred Finance Costs Net
DeferredFinanceCostsNet
5112000
CY2023Q3 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
1818000
CY2022Q3 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
1136000
CY2022Q4 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
987000
CY2023Q3 us-gaap Long Term Debt
LongTermDebt
2442784000
CY2022Q3 us-gaap Long Term Debt
LongTermDebt
2059577000
CY2022Q4 us-gaap Long Term Debt
LongTermDebt
2258660000
CY2023Q3 us-gaap Longterm Debt Weighted Average Interest Rate
LongtermDebtWeightedAverageInterestRate
0.081
CY2022Q3 us-gaap Longterm Debt Weighted Average Interest Rate
LongtermDebtWeightedAverageInterestRate
0.0607
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.244
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.239
CY2023Q3 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
164100000
CY2023Q3 enva Unrecognized Tax Benefits Temporary Items
UnrecognizedTaxBenefitsTemporaryItems
149100000
CY2023Q3 enva Unrecognized Tax Benefits Permanent Component
UnrecognizedTaxBenefitsPermanentComponent
15000000
CY2022Q3 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
73000000
CY2022Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
87700000
CY2023Q3 us-gaap Decrease In Unrecognized Tax Benefits Is Reasonably Possible
DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible
6100000
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
41285000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
51708000
us-gaap Net Income Loss
NetIncomeLoss
140353000
us-gaap Net Income Loss
NetIncomeLoss
156552000
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
30600000
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
31912000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
31006000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
32589000
CY2023Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1302000
CY2022Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1054000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1263000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1183000
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
31902000
CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
32966000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
32269000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33772000
CY2023Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.35
CY2022Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.62
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
4.53
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
4.8
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.29
CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.57
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
4.35
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
4.64
us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2023Q3 us-gaap Revenues
Revenues
551360000
CY2022Q3 us-gaap Revenues
Revenues
456200000
us-gaap Revenues
Revenues
1534047000
us-gaap Revenues
Revenues
1249921000
CY2023Q3 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
103900000
CY2022Q3 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
89400000
CY2022Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
93200000
CY2023Q3 enva Fair Value Assets Transfers Amount
FairValueAssetsTransfersAmount
0
CY2022Q3 enva Fair Value Assets Transfers Amount
FairValueAssetsTransfersAmount
0
enva Fair Value Liabilities Transfers Amount
FairValueLiabilitiesTransfersAmount
0
enva Fair Value Liabilities Transfers Amount
FairValueLiabilitiesTransfersAmount
0
CY2023Q3 ecd Rule10b51 Arr Adopted Flag
Rule10b51ArrAdoptedFlag
false
CY2023Q3 ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false
CY2023Q3 ecd Rule10b51 Arr Trmntd Flag
Rule10b51ArrTrmntdFlag
false
CY2023Q3 ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false

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