Enova international, inc. (ENVA)
CashFlow / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12
Cash Flows from Operating Activities
Net Income

36,612

70,098

29,240

34,602

43,992

111,671

78,038

58,872

Add: net loss from discontinued operations

-91,404

6,526

11,626

-

-

-

-

-

Net income from continuing operations

128,016

63,572

17,614

-

-

-

-

-

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization

15,055

14,200

13,282

15,564

18,388

18,732

17,143

13,272

Amortization of deferred loan costs and debt discount

6,000

6,201

7,196

6,913

3,371

1,949

-

-

Cost of revenue

602,894

503,405

353,488

327,966

216,858

266,787

315,052

288,474

Non-cash affiliate interest expense

-

-

-

-

-

7,629

19,788

20,996

Stock-based compensation expense

11,967

11,660

11,307

8,522

9,630

664

250

146

Fair value changes in contingent purchase consideration

-

-

2,358

3,300

-

-

-

-

Loss on early extinguishment of debt

-2,321

-24,991

-22,895

-

-

-

-

-

Operating leases, net

1,548

-

-

-

-

-

-

-

Lease termination and cease-use costs

370

-

-

-

-

-

-

-

Deferred income taxes, net

4,741

23,007

-3,924

-2,201

-1,399

12,145

5,238

-2,425

Other

-

-55

55

151

-984

199

-261

-5

Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables

36,572

21,306

15,255

16,232

467

-3,695

5,697

6,900

Other receivables and prepaid expenses and other assets

12,801

6,670

3,337

-843

3,804

7,607

-1,842

200

Accounts payable and accrued expenses

13,781

11,190

181

8,462

8,673

7,705

6,378

3,257

Current income taxes

70,384

-26,821

-11,801

5,785

-12,305

6,764

5

11

Cash flows from operating activities - discontinued operations

44,031

81,356

53,224

-

-

-

-

-

Net cash provided by operating activities

804,608

603,484

393,949

393,373

283,921

429,935

438,298

375,508

Cash Flows from Investing Activities
Loans and finance receivables originated or acquired

1,807,299

1,453,262

1,171,598

1,308,197

1,172,169

1,298,008

1,344,851

1,140,215

Loans and finance receivables repaid

956,243

819,318

717,830

858,048

849,358

1,006,762

955,984

793,748

Change in restricted cash

-

-

-

-

-

7,868

-

-

Acquisitions, net of cash acquired

-

-

-

-

17,735

-

-

-

Purchases of property and equipment

20,062

14,656

15,227

14,396

32,241

13,284

14,872

17,872

Investment in unconsolidated investee

-

-

-

-

-

703

-

1,000

Other investing activities

-27

-251

-1,810

-95

-618

-4

-

178

Cash flows from investing activities - discontinued operations

-70,306

-72,584

-57,383

-

-

-

-

-

Net cash used in investing activities

-871,091

-648,349

-467,185

-464,450

-372,169

-313,097

-403,739

-365,517

Cash Flows from Financing Activities
Borrowings under revolving line of credit

337,049

203,000

30,000

58,400

63,400

-

-

-

Repayments under revolving line of credit

287,049

181,000

30,000

116,800

5,000

-

-

4,070

Borrowings under securitization facilities

322,800

348,813

359,842

280,075

-

-

-

-

Repayments under securitization facilities

242,203

332,916

313,853

114,656

-

-

-

-

Issuance of senior notes

-

375,000

250,000

-

-

-

-

-

Repayments of senior notes

-

345,000

155,000

-

-

-

-

-

Issuance of long-term debt

-

-

-

-

-

493,810

-

-

Dividend paid to Cash America

-

-

-

-

-

122,384

-

-

Debt issuance costs paid

3,500

13,010

14,662

6,702

1,596

16,330

-

-

Debt prepayment penalty paid

1,392

18,828

16,694

-

-

-

-

-

Payment of promissory note

-

3,000

-

-

-

-

-

-

Proceeds from exercise of stock options

3,555

6,734

28

-

-

-

-

-

Treasury shares purchased

33,776

17,314

5,079

437

187

-

-

-

Net equity transactions with Cash America

-

-

-

-

-

2,373

5,023

4,938

Net cash provided by (used in) financing activities

95,484

22,479

104,582

99,880

56,617

-79,039

-28,567

-9,008

Effect of exchange rates on cash, cash equivalents and restricted cash

979

-7,271

4,717

-12,008

-1,409

-10,173

3,940

2,154

Net increase in cash, cash equivalents and restricted cash

3,705

-20,885

31,904

16,795

-33,040

27,626

9,932

3,137

Less: increase in cash, cash equivalents and restricted cash from discontinued operations

-26,976

1,287

7,146

-

-

-

-

-

Change in cash, cash equivalents and restricted cash from continuing operations

30,681

-22,172

24,758

-

-

-

-

-