Enova international, inc. (ENVA)
CashFlow / TTM
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

7,055

36,612

95,836

84,055

77,217

70,098

68,310

49,638

43,286

29,240

31,071

42,276

38,591

34,602

30,069

26,649

29,325

43,992

62,313

76,381

96,146

111,671

0

0

0

Add: net loss from discontinued operations

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income from continuing operations

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

14,791

15,055

14,679

14,651

14,296

14,200

14,249

14,094

13,623

13,282

13,956

14,212

15,074

15,564

16,194

16,287

17,092

18,388

19,158

20,614

19,897

18,732

0

0

0

Amortization of deferred loan costs and debt discount

5,888

6,000

5,977

6,298

6,415

6,201

7,207

7,100

7,128

7,196

6,372

6,637

6,743

6,913

5,909

5,114

4,323

3,371

0

0

0

-

-

-

-

Change in fair value

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cost of revenue

-

602,894

558,203

550,700

513,710

503,405

478,211

421,789

380,157

353,488

366,632

354,682

340,273

327,966

301,559

271,782

247,865

216,858

206,312

213,617

238,921

266,787

0

0

0

Non-cash affiliate interest expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,629

0

0

0

Stock-based compensation expense

12,353

11,967

13,295

12,790

12,301

11,660

11,153

11,267

11,420

11,307

10,411

9,680

8,874

8,522

9,503

9,863

9,886

9,630

6,948

4,410

2,291

664

0

0

0

Loss on early extinguishment of debt

-

-2,321

-10,133

-22,602

-22,602

-24,991

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Operating leases, net

1,512

1,548

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Lease termination and cease-use costs

-

370

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred income taxes, net

-6,494

4,741

-10,070

22,136

27,642

23,007

27,168

-11,477

-10,936

-3,924

2,965

8,506

-260

-2,201

362

798

358

-1,399

3,023

2,287

13,511

12,145

0

0

0

Other

-

-

-

-

-

-55

0

0

0

-

-

-

-

151

354

142

1,527

-984

0

0

0

-

-

-

-

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

5,203

36,572

17,457

22,466

23,335

21,306

29,488

21,629

22,327

15,255

14,421

2,860

3,749

16,232

10,377

15,523

11,411

467

211

-6,503

-8,908

-3,695

0

0

0

Other receivables and prepaid expenses and other assets

18,105

12,801

13,385

8,865

6,246

6,670

2,332

923

2,525

3,337

4,147

5,286

1,228

-843

-1,726

2,691

903

3,804

7,181

1,597

7,479

7,607

0

0

0

Accounts payable and accrued expenses

9,019

13,781

9,132

13,989

-4,738

11,190

4,202

12,434

-6,911

181

-12,635

-15,901

1,180

8,462

13,664

15,170

15,521

8,673

2,294

11,566

18,813

7,705

0

0

0

Current income taxes

25,542

70,384

82,177

33,553

19,779

-26,821

-43,747

2,977

-4,166

-11,801

-14,468

-16,322

4,432

5,785

10,832

2,199

-15,881

-12,305

-5,592

720

8,398

6,764

0

0

0

Cash flows from operating activities - discontinued operations

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by operating activities

0

848,639

822,585

803,883

0

684,840

604,036

556,831

480,310

447,173

403,963

398,924

414,646

393,373

379,087

329,506

294,648

283,921

277,676

326,961

405,802

429,935

0

0

0

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

1,883,937

1,807,299

1,587,359

1,520,680

1,395,985

1,453,262

1,451,223

1,350,954

1,275,707

1,171,598

1,319,275

1,309,915

1,305,340

1,308,197

1,329,771

1,286,800

1,222,315

1,172,169

1,140,086

1,126,223

1,199,482

1,298,008

0

0

0

Loans and finance receivables repaid

949,597

956,243

888,821

855,055

775,221

819,318

817,376

785,367

759,660

717,830

878,657

885,219

875,059

858,048

870,254

846,316

838,634

849,358

859,227

886,869

950,967

1,006,762

0

0

0

Change in restricted cash

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

Acquisitions, net of cash acquired

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of property and equipment

20,793

20,062

19,812

18,498

15,732

14,656

15,726

16,991

16,420

15,227

13,734

12,048

14,322

14,396

15,023

13,388

22,899

32,241

32,110

32,958

21,180

13,284

0

0

0

Other investing activities

0

-

-

-

-

-251

-105

-370

533

-1,810

-1,821

-1,482

-2,404

-95

0

0

0

-

-

-

-

-

-

-

-

Cash flows from investing activities - discontinued operations

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash used in investing activities

0

-941,397

-790,772

-756,496

0

-720,933

-706,851

-639,591

-590,383

-524,568

-419,755

-407,327

-428,482

-464,450

-506,636

-481,109

-437,356

-372,169

-339,269

-298,599

-278,262

-313,097

0

0

0

Cash Flows from Financing Activities
Borrowings under revolving line of credit

392,299

337,049

329,049

276,049

216,000

203,000

0

0

0

-

-

-

-

58,400

0

0

0

-

-

-

-

-

-

-

-

Repayments under revolving line of credit

287,049

287,049

304,049

329,048

224,000

181,000

0

0

0

-

-

-

-

116,800

0

0

0

-

-

-

-

-

0

0

0

Borrowings under securitization facilities

404,200

322,800

309,200

316,313

331,313

348,813

385,055

374,542

392,442

359,842

198,314

182,914

167,714

280,075

0

0

0

-

-

-

-

-

-

-

-

Repayments under securitization facilities

211,337

242,203

299,358

321,687

367,425

332,916

345,369

347,469

320,764

313,853

148,733

137,772

136,178

114,656

0

0

0

-

-

-

-

-

-

-

-

Repayments of senior notes

-

-

-

-

-

345,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Debt issuance costs paid

3,494

3,500

0

0

0

-

-

-

-

-

-

-

-

6,702

0

0

0

-

-

-

-

-

-

-

-

Debt prepayment penalty paid

-

1,392

7,147

16,564

16,564

18,828

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options

3,355

3,555

3,525

4,785

6,666

6,734

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Treasury shares purchased

67,242

33,776

26,317

24,607

24,428

17,314

4,526

5,929

5,671

5,079

2,437

1,047

915

437

0

0

0

-

-

-

-

-

-

-

-

Net equity transactions with Cash America

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,373

0

0

0

Net cash provided by (used in) financing activities

230,732

95,484

-116,139

-27,748

-14,826

22,479

152,715

86,883

84,480

104,582

103,059

38,867

27,190

99,880

0

0

0

-

-

-

-

-79,039

0

0

0

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

-1,084

979

-10,029

-7,451

-10,855

-7,271

-4,801

-691

7,618

4,717

-407

-4,165

-10,304

-12,008

-7,619

-7,197

2,674

-1,409

-7,973

-11,681

-14,461

-10,173

0

0

0

Net increase in cash, cash equivalents and restricted cash

85,598

3,705

-94,355

12,188

13,555

-20,885

45,099

3,432

-17,975

31,904

86,860

26,299

3,050

16,795

11,371

-57,070

-31,233

-33,040

-69,931

16,452

87,203

27,626

0

0

0

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

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Supplemental Disclosures
Loans and finance receivables renewed

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0