Enova international, inc. (ENVA)
CashFlow / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14
Cash Flows from Operating Activities
Net Income

5,460

-50,553

27,085

25,063

35,017

8,671

15,304

18,225

27,898

6,883

-3,368

11,873

13,852

8,714

7,837

8,188

9,863

4,181

4,417

10,864

24,530

22,502

18,485

30,629

40,055

Add: net loss from discontinued operations

-288

-

-

-

-3,962

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income from continuing operations

5,748

-

-

-

38,979

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

3,670

3,213

3,716

4,192

3,934

2,837

3,688

3,837

3,838

2,886

3,533

3,366

3,497

3,560

3,789

4,228

3,987

4,190

3,882

5,033

5,283

4,960

5,338

4,316

4,118

Amortization of deferred loan costs and debt discount

1,643

1,698

1,167

1,380

1,755

1,675

1,488

1,497

1,541

2,681

1,381

1,525

1,609

1,857

1,646

1,631

1,779

853

851

840

827

-

-

-

-

Change in fair value

235,719

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cost of revenue

-

154,286

171,266

158,484

118,858

109,595

163,763

121,494

108,553

84,401

107,341

79,862

81,884

97,545

95,391

65,453

69,577

71,138

65,614

41,536

38,570

60,592

72,919

66,840

66,436

Non-cash affiliate interest expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

2,875

4,754

Stock-based compensation expense

3,460

2,183

3,387

3,323

3,074

3,511

2,882

2,834

2,433

3,004

2,996

2,987

2,320

2,108

2,265

2,181

1,968

3,089

2,625

2,204

1,712

407

87

85

85

Loss on early extinguishment of debt

-

0

0

0

-2,321

-7,812

-12,469

0

-4,710

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Operating leases, net

340

413

375

384

376

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Lease termination and cease-use costs

-

0

0

0

370

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred income taxes, net

-3,212

2,924

230

-6,436

8,023

-11,887

32,436

-930

3,388

-7,726

-6,209

-389

10,400

-837

-668

-9,155

8,459

1,726

-232

-9,595

6,702

6,148

-968

1,629

5,336

Other

-

-

-

-

-

0

0

0

-55

-

-

-

-

0

0

-1,416

1,567

203

-212

-31

-944

-

-

-

-

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

-31,686

15,956

16,545

4,388

-317

-3,159

21,554

5,257

-2,346

5,023

13,695

5,955

-9,418

4,189

2,134

6,844

3,065

-1,666

7,280

2,732

-7,879

-1,922

566

327

-2,666

Other receivables and prepaid expenses and other assets

2,865

3,801

5,124

6,315

-2,439

4,385

604

3,696

-2,015

47

-805

5,298

-1,203

857

334

1,240

-3,274

-26

4,751

-548

-373

3,351

-833

5,334

-245

Accounts payable and accrued expenses

-28,814

10,785

348

26,700

-24,052

6,136

5,205

7,973

-8,124

-852

13,437

-11,372

-1,032

-13,668

10,171

5,709

6,250

-8,466

11,677

6,060

-598

-14,845

20,949

13,307

-11,706

Current income taxes

6,107

2,933

5,991

10,511

50,949

14,726

-42,633

-3,263

4,349

-2,200

4,091

-10,406

-3,286

-4,867

2,237

10,348

-1,933

180

-6,396

-7,732

1,643

6,893

-84

-54

9

Cash flows from operating activities - discontinued operations

-288

-

-

-

14,489

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by operating activities

252,802

242,734

191,146

193,679

221,080

216,680

172,444

142,714

153,002

135,876

125,239

66,193

119,865

92,666

120,200

81,915

98,592

78,380

70,619

47,057

87,865

72,135

119,904

125,898

111,998

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

397,460

395,244

557,849

533,384

320,822

175,304

491,170

408,689

378,099

173,265

390,901

333,442

273,990

320,942

381,541

328,867

276,847

342,516

338,570

264,382

226,701

310,433

324,707

337,641

325,227

Loans and finance receivables repaid

219,275

114,720

295,548

320,054

225,921

47,298

261,782

240,220

270,018

45,356

229,773

214,513

228,188

206,183

236,335

204,353

211,177

218,389

212,397

196,671

221,901

228,258

240,039

260,769

277,696

Change in restricted cash

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,841

14,218

13,717

-

-

-

-

-

-

-

-

Acquisitions, net of cash acquired

3,597

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of property and equipment

5,156

3,603

5,552

6,482

4,425

3,353

4,238

3,716

3,349

4,423

5,503

3,145

2,156

2,930

3,817

5,419

2,230

3,557

2,182

14,930

11,572

3,426

3,030

3,152

3,676

Other investing activities

-57

-

-

-

-

-158

-51

-18

-24

-12

-316

885

-2,367

-23

23

-37

-58

-

-

-

-

-

-

-

-

Cash flows from investing activities - discontinued operations

-

-

-

-

-4,829

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash used in investing activities

-186,881

-354,410

-267,851

-214,981

-99,326

-203,785

-233,575

-172,167

-111,406

-189,703

-166,315

-122,959

-45,591

-84,890

-153,887

-144,114

-81,559

-127,076

-128,360

-100,361

-16,372

-94,176

-87,690

-80,024

-51,207

Cash Flows from Financing Activities
Borrowings under revolving line of credit

100,250

102,000

85,000

105,049

45,000

94,000

32,000

45,000

32,000

-

-

-

-

13,400

25,000

10,000

10,000

-

-

-

-

-

-

-

-

Repayments under revolving line of credit

67,000

55,000

60,000

105,049

67,000

72,000

84,999

1

24,000

-

-

-

-

28,400

10,000

10,000

68,400

-

-

-

-

-

0

378,467

53,295

Borrowings under securitization facilities

119,200

200,000

75,000

10,000

37,800

186,400

82,113

25,000

55,300

222,642

71,600

42,900

22,700

61,114

56,200

27,700

135,061

-

-

-

-

-

-

-

-

Repayments under securitization facilities

53,224

128,160

12,625

17,328

84,090

185,315

34,954

63,066

49,581

197,768

37,054

36,361

42,670

32,648

26,093

34,767

21,148

-

-

-

-

-

-

-

-

Repayments of senior notes

-

-

-

-

-

116,486

178,514

0

50,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Debt issuance costs paid

372

2,798

363

-39

378

-

-

-

-

-

-

-

-

3,186

245

0

3,271

-

-

-

-

-

-

-

-

Debt prepayment penalty paid

-

0

0

0

1,392

5,755

9,417

0

3,656

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options

189

37

1,180

1,949

389

7

2,440

3,830

457

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Treasury shares purchased

41,708

23,211

1,750

573

8,242

15,752

40

394

1,128

2,964

1,443

136

536

322

53

4

58

-

-

-

-

-

-

-

-

Net equity transactions with Cash America

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

358

-136

2,283

-132

Net cash provided by (used in) financing activities

57,335

92,868

86,442

-5,913

-77,913

-118,755

174,833

7,009

-40,608

11,481

109,001

4,606

-20,506

9,958

44,809

-7,071

52,184

-

-

-

-

-365

136

-25,647

-53,163

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

-114

9,108

-7,538

-2,540

1,949

-1,900

-4,960

-5,944

5,533

570

-850

2,365

2,632

-4,554

-4,608

-3,774

928

-165

-4,186

6,097

-3,155

-6,729

-7,894

3,317

1,133

Net increase in cash, cash equivalents and restricted cash

122,854

-9,700

2,199

-29,755

40,961

-107,760

108,742

-28,388

6,521

-41,776

67,075

-49,795

56,400

13,180

6,514

-73,044

70,145

7,756

-61,927

-47,207

68,338

-29,135

24,456

23,544

8,761

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

-

-

-

-

10,361

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

122,854

-

-

-

30,600

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Supplemental Disclosures
Loans and finance receivables renewed

22,281

-

63,655

104,094

33,458

-

98,103

99,839

84,544

-

85,936

80,139

68,183

-

86,852

78,388

73,456

-

72,509

56,941

45,747

-

54,633

85,107

104,498