$ENVA
Enova International, Inc.

2016 Q4 Form 10-Q Financial Statement

#000156459016027032 Filed on November 02, 2016

View on sec.gov

Income Statement

Concept 2016 Q4 2015 Q3
Revenue $202.4M $165.2M
YoY Change 15.4% -19.47%
Cost Of Revenue $97.55M $65.61M
YoY Change 37.12% -10.02%
Gross Profit $104.9M $99.61M
YoY Change 0.59% -24.68%
Gross Profit Margin 51.81% 60.29%
Selling, General & Admin $68.60M $58.20M
YoY Change -13.27% -30.64%
% of Gross Profit 65.4% 58.42%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $3.600M $3.900M
YoY Change -14.29% -59.79%
% of Gross Profit 3.43% 3.92%
Operating Expenses $72.20M $80.67M
YoY Change -13.33% -9.63%
Operating Profit $32.69M $18.95M
YoY Change 55.84% -55.93%
Interest Expense -$18.20M -$13.50M
YoY Change 37.88% 1.5%
% of Operating Profit -55.67% -71.26%
Other Income/Expense, Net
YoY Change
Pretax Income $14.60M $5.442M
YoY Change 87.18% -81.68%
Income Tax $5.800M $1.025M
% Of Pretax Income 39.73% 18.83%
Net Earnings $8.714M $4.417M
YoY Change 108.42% -76.1%
Net Earnings / Revenue 4.3% 2.67%
Basic Earnings Per Share $0.13
Diluted Earnings Per Share $0.26 $0.13
COMMON SHARES
Basic Shares Outstanding 33.21M 33.00M
Diluted Shares Outstanding 33.77M 33.02M

Balance Sheet

Concept 2016 Q4 2015 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $39.90M $34.30M
YoY Change -5.23% -67.08%
Cash & Equivalents $39.93M $34.30M
Short-Term Investments
Other Short-Term Assets $45.80M $47.90M
YoY Change 67.15% 21.88%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $647.3M $468.7M
YoY Change 27.02% 4.81%
LONG-TERM ASSETS
Property, Plant & Equipment $47.10M $48.80M
YoY Change -1.99% 37.08%
Goodwill $267.0M
YoY Change 0.0%
Intangibles $5.404M
YoY Change -17.37%
Long-Term Investments
YoY Change
Other Assets $11.10M $27.40M
YoY Change 19.35% 26.27%
Total Long-Term Assets $330.6M $351.5M
YoY Change -0.11% 12.23%
TOTAL ASSETS
Total Short-Term Assets $647.3M $468.7M
Total Long-Term Assets $330.6M $351.5M
Total Assets $977.9M $820.2M
YoY Change 16.34% 7.86%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $71.70M $79.10M
YoY Change -0.55% 10.78%
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 $72.00M $79.10M
YoY Change -0.14% -6.61%
LONG-TERM LIABILITIES
Long-Term Debt $649.9M $494.7M
YoY Change 19.93% 0.14%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $649.9M $494.7M
YoY Change 19.93% 0.12%
TOTAL LIABILITIES
Total Short-Term Liabilities $72.00M $79.10M
Total Long-Term Liabilities $649.9M $494.7M
Total Liabilities $736.2M $620.9M
YoY Change 16.01% -0.58%
SHAREHOLDERS EQUITY
Retained Earnings $235.5M
YoY Change 17.23%
Common Stock $18.45M
YoY Change 85.87%
Preferred Stock
YoY Change
Treasury Stock (at cost) $624.0K
YoY Change 233.69%
Treasury Stock Shares $71.43K
Shareholders Equity $241.7M $199.3M
YoY Change
Total Liabilities & Shareholders Equity $977.9M $820.2M
YoY Change 16.34% 7.86%

Cashflow Statement

Concept 2016 Q4 2015 Q3
OPERATING ACTIVITIES
Net Income $8.714M $4.417M
YoY Change 108.42% -76.1%
Depreciation, Depletion And Amortization $3.600M $3.900M
YoY Change -14.29% -59.79%
Cash From Operating Activities $92.70M $70.60M
YoY Change 18.24% -71.28%
INVESTING ACTIVITIES
Capital Expenditures -$2.900M $2.182M
YoY Change -17.14% -27.99%
Acquisitions
YoY Change
Other Investing Activities -$102.1M -$126.2M
YoY Change -17.33% -21.91%
Cash From Investing Activities -$105.0M -$128.4M
YoY Change -17.39% -23.43%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 10.00M 0.000
YoY Change -82.33% -100.0%
NET CHANGE
Cash From Operating Activities 92.70M 70.60M
Cash From Investing Activities -105.0M -128.4M
Cash From Financing Activities 10.00M 0.000
Net Change In Cash -2.300M -57.80M
YoY Change -129.11% -209.89%
FREE CASH FLOW
Cash From Operating Activities $92.70M $70.60M
Capital Expenditures -$2.900M $2.182M
Free Cash Flow $95.60M $68.42M
YoY Change 16.73% -71.82%

Facts In Submission

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CY2016Q3 us-gaap Business Combination Contingent Consideration Liability
BusinessCombinationContingentConsiderationLiability
5658000
CY2016Q3 us-gaap Business Combination Contingent Consideration Arrangements Change In Amount Of Contingent Consideration Liability1
BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1
0
CY2016Q3 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
195912000
CY2016Q3 us-gaap Other Sales Revenue Net
OtherSalesRevenueNet
31000
us-gaap Other Sales Revenue Net
OtherSalesRevenueNet
1274000
enva Financing Receivable Period Past Due Considered As Non Performing
FinancingReceivablePeriodPastDueConsideredAsNonPerforming
P60D
CY2016Q3 enva Loans And Leases Receivable Gross Current
LoansAndLeasesReceivableGrossCurrent
568776000
CY2016Q3 us-gaap Loans And Leases Receivable Impaired Nonperforming Accrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingAccrualOfInterest
6696000
CY2016Q3 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
62140000
CY2016Q3 enva Loans And Leases Receivable Gross Non Performing Loans
LoansAndLeasesReceivableGrossNonPerformingLoans
68836000
CY2016Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
637612000
CY2016Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
94747000
CY2015Q3 enva Loans And Leases Receivable Gross Current
LoansAndLeasesReceivableGrossCurrent
392078000
CY2015Q3 us-gaap Loans And Leases Receivable Impaired Nonperforming Accrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingAccrualOfInterest
4705000
CY2015Q3 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
48764000
CY2015Q4 enva Loans And Leases Receivable Gross Non Performing Loans
LoansAndLeasesReceivableGrossNonPerformingLoans
54041000
CY2015Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
501955000
CY2015Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
67322000
CY2016Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
73820000
CY2016Q3 enva Cost Of Revenue Company Owned
CostOfRevenueCompanyOwned
95496000
CY2016Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
90744000
CY2016Q3 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
16432000
CY2016Q3 us-gaap Derivative Instruments And Hedges
DerivativeInstrumentsAndHedges
0
CY2016Q3 us-gaap Allowance For Loan And Lease Losses Foreign Currency Translation
AllowanceForLoanAndLeaseLossesForeignCurrencyTranslation
-257000
CY2016Q2 enva Accrual For Third Party Lender Owned Financing Receivables
AccrualForThirdPartyLenderOwnedFinancingReceivables
1833000
CY2015Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
51261000
enva Cost Of Revenue Company Owned
CostOfRevenueCompanyOwned
230449000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
250373000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
47508000
us-gaap Allowance For Loan And Lease Losses Foreign Currency Translation
AllowanceForLoanAndLeaseLossesForeignCurrencyTranslation
-159000
CY2015Q4 enva Accrual For Third Party Lender Owned Financing Receivables
AccrualForThirdPartyLenderOwnedFinancingReceivables
1756000
enva Cost Of Revenue Third Party Lender Owned
CostOfRevenueThirdPartyLenderOwned
-29000
us-gaap Allowance For Loan And Lease Losses Foreign Currency Translation
AllowanceForLoanAndLeaseLossesForeignCurrencyTranslation
-808000
CY2014Q4 enva Accrual For Third Party Lender Owned Financing Receivables
AccrualForThirdPartyLenderOwnedFinancingReceivables
1576000
enva Cost Of Revenue Third Party Lender Owned
CostOfRevenueThirdPartyLenderOwned
400000
CY2016Q3 enva Active Consumer Loans
ActiveConsumerLoans
29700000
CY2015Q4 enva Active Consumer Loans
ActiveConsumerLoans
34100000
CY2016Q3 enva Accrual For Third Party Lender Owned Consumer Loans
AccrualForThirdPartyLenderOwnedConsumerLoans
1700000
CY2016Q3 us-gaap Cost Method Investments
CostMethodInvestments
6700000
us-gaap Impairment Of Investments
ImpairmentOfInvestments
0
CY2016Q3 us-gaap Secured Debt
SecuredDebt
136953000
CY2015Q4 us-gaap Senior Notes
SeniorNotes
494867000
CY2016Q3 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
647380000
CY2015Q3 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
494690000
CY2015Q4 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
553267000
CY2016Q3 us-gaap Debt Instrument Unamortized Discount Premium Net
DebtInstrumentUnamortizedDiscountPremiumNet
12201000
CY2015Q3 us-gaap Debt Instrument Unamortized Discount Premium Net
DebtInstrumentUnamortizedDiscountPremiumNet
11882000
CY2015Q4 us-gaap Debt Instrument Unamortized Discount Premium Net
DebtInstrumentUnamortizedDiscountPremiumNet
11358000
CY2016Q1 enva Maximum Principal Amount Of Securitization Notes Outstanding
MaximumPrincipalAmountOfSecuritizationNotesOutstanding
175000000
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.396
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.365
CY2016Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
347000
CY2015Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
22000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
184000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
15000
us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2016Q3 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
3817000
CY2015Q3 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2182000
CY2015Q2 us-gaap Net Rentable Area
NetRentableArea
86000
CY2015 us-gaap Operating Leases Income Statement Sublease Revenue
OperatingLeasesIncomeStatementSubleaseRevenue
1700000
CY2016Q3 us-gaap Fair Value Liabilities Level2 To Level1 Transfers Amount
FairValueLiabilitiesLevel2ToLevel1TransfersAmount
0
CY2015Q3 us-gaap Fair Value Liabilities Level2 To Level1 Transfers Amount
FairValueLiabilitiesLevel2ToLevel1TransfersAmount
0
CY2016Q3 us-gaap Fair Value Assets Level2 To Level1 Transfers Amount
FairValueAssetsLevel2ToLevel1TransfersAmount
0
CY2015Q3 us-gaap Fair Value Assets Level2 To Level1 Transfers Amount
FairValueAssetsLevel2ToLevel1TransfersAmount
0
us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Liability Issues
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues
6140000
CY2015Q3 us-gaap Business Combination Contingent Consideration Liability
BusinessCombinationContingentConsiderationLiability
6140000
CY2015Q4 us-gaap Business Combination Contingent Consideration Liability
BusinessCombinationContingentConsiderationLiability
5658000
CY2016Q3 us-gaap Assets Fair Value Disclosure Nonrecurring
AssetsFairValueDisclosureNonrecurring
0
CY2015Q3 us-gaap Assets Fair Value Disclosure Nonrecurring
AssetsFairValueDisclosureNonrecurring
0
CY2015Q4 us-gaap Assets Fair Value Disclosure Nonrecurring
AssetsFairValueDisclosureNonrecurring
0
CY2016Q3 us-gaap Liabilities Fair Value Disclosure Nonrecurring
LiabilitiesFairValueDisclosureNonrecurring
0
CY2015Q3 us-gaap Liabilities Fair Value Disclosure Nonrecurring
LiabilitiesFairValueDisclosureNonrecurring
0
CY2015Q4 us-gaap Liabilities Fair Value Disclosure Nonrecurring
LiabilitiesFairValueDisclosureNonrecurring
0
CY2016Q3 enva Income Loss Before Equity In Net Earnings Of Subsidiaries
IncomeLossBeforeEquityInNetEarningsOfSubsidiaries
7837000
enva Income Loss Before Equity In Net Earnings Of Subsidiaries
IncomeLossBeforeEquityInNetEarningsOfSubsidiaries
25888000
CY2015Q3 enva Income Loss Before Equity In Net Earnings Of Subsidiaries
IncomeLossBeforeEquityInNetEarningsOfSubsidiaries
4417000
enva Income Loss Before Equity In Net Earnings Of Subsidiaries
IncomeLossBeforeEquityInNetEarningsOfSubsidiaries
39811000

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