$ENVA
Enova International, Inc.

2024 Q3 Form 10-Q Financial Statement

#000095017024086053 Filed on July 24, 2024

View on sec.gov

Income Statement

Concept 2024 Q3 2024 Q2
Revenue $689.9M $628.4M
YoY Change 25.13% 109.91%
Cost Of Revenue
YoY Change
Gross Profit $400.4M $370.2M
YoY Change 25.26% 23.65%
Gross Profit Margin 58.03% 58.91%
Selling, General & Admin $180.0M $160.5M
YoY Change 16.69% -10.43%
% of Gross Profit 44.95% 43.35%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $10.04M $9.709M
YoY Change 1.4% 12.52%
% of Gross Profit 2.51% 2.62%
Operating Expenses $246.6M $225.1M
YoY Change 14.25% 19.89%
Operating Profit $153.7M $145.1M
YoY Change 48.18% 29.98%
Interest Expense $76.90M $70.95M
YoY Change 58.02% -251.93%
% of Operating Profit 50.03% 48.91%
Other Income/Expense, Net -$4.678M -$521.0K
YoY Change 18612.0% 330.58%
Pretax Income $55.49M $73.56M
YoY Change 0.5% 13.57%
Income Tax $12.07M $19.65M
% Of Pretax Income 21.76% 26.71%
Net Earnings $43.41M $53.91M
YoY Change 5.16% 11.98%
Net Earnings / Revenue 6.29% 8.58%
Basic Earnings Per Share $1.64 $2.00
Diluted Earnings Per Share $1.57 $1.93
COMMON SHARES
Basic Shares Outstanding 26.40M 27.12M
Diluted Shares Outstanding 27.71M 27.94M

Balance Sheet

Concept 2024 Q3 2024 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $67.50M $60.14M
YoY Change 7.31% -39.89%
Cash & Equivalents $67.50M $60.14M
Short-Term Investments
Other Short-Term Assets $255.8M $282.3M
YoY Change 33.23% 28.7%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $4.524B $4.350B
YoY Change 24.23% 26.3%
LONG-TERM ASSETS
Property, Plant & Equipment $118.0M $115.1M
YoY Change 13.57% -0.4%
Goodwill $279.3M $279.3M
YoY Change 0.0% 0.0%
Intangibles $12.96M $14.98M
YoY Change -38.32% -34.97%
Long-Term Investments
YoY Change
Other Assets $28.75M $44.23M
YoY Change -30.23% -2.84%
Total Long-Term Assets $451.7M $466.7M
YoY Change -2.1% 0.72%
TOTAL ASSETS
Total Short-Term Assets $4.524B $4.350B
Total Long-Term Assets $451.7M $466.7M
Total Assets $4.976B $4.817B
YoY Change 21.27% 23.27%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $259.5M $334.0M
YoY Change -5.69% 45.64%
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 $259.5M $334.0M
YoY Change -5.69% 45.64%
LONG-TERM LIABILITIES
Long-Term Debt $3.294B $3.194B
YoY Change 34.83% 39.05%
Other Long-Term Liabilities $26.35M $26.51M
YoY Change -2.78% -6.6%
Total Long-Term Liabilities $3.320B $3.221B
YoY Change 34.42% 38.5%
TOTAL LIABILITIES
Total Short-Term Liabilities $259.5M $334.0M
Total Long-Term Liabilities $3.320B $3.221B
Total Liabilities $3.797B $3.670B
YoY Change 33.6% 38.03%
SHAREHOLDERS EQUITY
Retained Earnings $1.634B $1.591B
YoY Change 12.42% 12.63%
Common Stock $318.2M $308.5M
YoY Change 16.12% 15.95%
Preferred Stock
YoY Change
Treasury Stock (at cost) $764.2M $740.8M
YoY Change 66.36% 75.14%
Treasury Stock Shares
Shareholders Equity $1.179B $1.148B
YoY Change
Total Liabilities & Shareholders Equity $4.976B $4.817B
YoY Change 21.27% 23.27%

Cashflow Statement

Concept 2024 Q3 2024 Q2
OPERATING ACTIVITIES
Net Income $43.41M $53.91M
YoY Change 5.16% 11.98%
Depreciation, Depletion And Amortization $10.04M $9.709M
YoY Change 1.4% 12.52%
Cash From Operating Activities $398.6M $360.9M
YoY Change 46.9% 20.59%
INVESTING ACTIVITIES
Capital Expenditures $10.93M $11.09M
YoY Change -14.59% 7.96%
Acquisitions
YoY Change
Other Investing Activities -$471.4M -$395.7M
YoY Change 9.06% 47.76%
Cash From Investing Activities -$482.3M -$406.8M
YoY Change 8.4% 46.29%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 66.75M 89.13M
YoY Change -38.59% -283.31%
NET CHANGE
Cash From Operating Activities 398.6M 360.9M
Cash From Investing Activities -482.3M -406.8M
Cash From Financing Activities 66.75M 89.13M
Net Change In Cash -16.98M 43.31M
YoY Change -73.84% -258.36%
FREE CASH FLOW
Cash From Operating Activities $398.6M $360.9M
Capital Expenditures $10.93M $11.09M
Free Cash Flow $387.6M $349.9M
YoY Change 49.95% 21.03%

Facts In Submission

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135200000
CY2023Q4 enva Reduction To Deferred Tax Assets
ReductionToDeferredTaxAssets
44100000
CY2023Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
179300000
CY2023Q4 enva Unrecognized Tax Benefits Permanent Component
UnrecognizedTaxBenefitsPermanentComponent
9900000
CY2024Q2 us-gaap Decrease In Unrecognized Tax Benefits Is Reasonably Possible
DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible
2200000
CY2024Q2 us-gaap Net Income Loss
NetIncomeLoss
53911000
CY2023Q2 us-gaap Net Income Loss
NetIncomeLoss
48145000
us-gaap Net Income Loss
NetIncomeLoss
102339000
us-gaap Net Income Loss
NetIncomeLoss
99068000
CY2024Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
26938000
CY2023Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
31084000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
27567000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
31212000
CY2024Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1003000
CY2023Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1119000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1155000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1244000
CY2024Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
27941000
CY2023Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
32203000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
28722000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
32456000
CY2024Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2
CY2023Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.55
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
3.71
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
3.17
CY2024Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.93
CY2023Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.5
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
3.56
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
3.05
us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2024Q2 us-gaap Revenues
Revenues
628436000
CY2023Q2 us-gaap Revenues
Revenues
499431000
us-gaap Revenues
Revenues
1238325000
us-gaap Revenues
Revenues
982687000
CY2024Q2 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
115100000
CY2023Q2 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
99100000
CY2023Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
108700000
CY2023Q2 enva Fair Value Assets Transfers Amount
FairValueAssetsTransfersAmount
0
enva Fair Value Assets Transfers Amount
FairValueAssetsTransfersAmount
0
CY2024Q2 enva Fair Value Liabilities Transfers Amount
FairValueLiabilitiesTransfersAmount
0
enva Fair Value Liabilities Transfers Amount
FairValueLiabilitiesTransfersAmount
0
ecd Rule10b51 Arr Adopted Flag
Rule10b51ArrAdoptedFlag
false
ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false
enva Rule10 B5 Arr Modified Flag
Rule10B5ArrModifiedFlag
false
enva Non Rule10 B51 Arr Modified Flag
NonRule10B51ArrModifiedFlag
false
ecd Rule10b51 Arr Trmntd Flag
Rule10b51ArrTrmntdFlag
false
ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false

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