ENVA Stock Cash Flow Statements

Enova International Quarterly Cash Flow Statements Chart

Quarterly

Annual

Stock-Based Compensation

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Free Cash Flow

Capital Expenditure

Enova International Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31

cash flows from operating activities
net income	76,149,000	72,945,000	63,695,000	43,414,000	53,911,000	48,428,000		41,285,000	48,145,000	50,923,000										93,667,000	48,026,000	5,460,000	-50,553,000	27,085,000	25,063,000	35,017,000	8,671,000	15,304,000	18,225,000	27,898,000	6,883,000	-3,368,000	11,873,000	13,852,000	8,714,000	7,837,000	8,188,000	9,863,000	4,181,000	4,417,000	10,864,000	24,530,000	22,502,000
adjustments to reconcile net income to net cash from operating activities:
depreciation and amortization	10,348,000	10,061,000	10,196,000	10,039,000	9,709,000	10,263,000	9,034,000	9,954,000	8,629,000	10,540,000	8,499,000	11,270,000	7,584,000	9,514,000	12,374,000	8,914,000	7,460,000	6,627,000	8,288,000	3,770,000	4,004,000	3,670,000	3,213,000	3,716,000	3,942,000	4,184,000	3,827,000	3,688,000	3,837,000	3,838,000	3,992,000	3,533,000	3,366,000	3,497,000	3,560,000	3,789,000	4,228,000	3,987,000	4,190,000	3,882,000	5,033,000	5,283,000	4,960,000
amortization of deferred loan costs and debt discount	4,133,000	3,837,000	3,771,000	5,044,000	3,043,000	3,929,000	3,387,000	2,554,000	2,360,000	1,822,000	1,699,000	1,471,000	1,389,000	1,139,000	1,202,000	1,901,000	1,207,000	1,914,000	8,092,000	1,434,000	1,530,000	1,643,000	1,698,000	1,167,000	1,380,000	1,755,000	1,675,000	1,488,000	1,497,000	1,541,000	2,681,000	1,381,000	1,525,000	1,609,000	1,857,000	1,646,000	1,631,000	1,779,000	853,000	851,000	840,000	827,000	788,000
change in fair value of loans and finance receivables	320,556,000	317,480,000		287,037,000	255,980,000	262,106,000		229,758,000	198,126,000	195,055,000		160,308,000	141,842,000	115,629,000		72,546,000
stock-based compensation expense	8,106,000	7,936,000	8,297,000	8,116,000	7,764,000	7,639,000	7,458,000	7,075,000	6,236,000	5,969,000	5,993,000	5,457,000	5,133,000	5,367,000	5,107,000	5,018,000	5,250,000	5,804,000	7,153,000	3,768,000	3,660,000	3,460,000	2,183,000	3,387,000	3,323,000	3,074,000	3,511,000	2,882,000	2,834,000	2,433,000	3,004,000	2,996,000	2,987,000	2,320,000	2,108,000	2,265,000	2,181,000	1,968,000		2,625,000	2,204,000	1,712,000
loss on early extinguishment of debt			-1,000	4,678,000	521,000	492,000	3,000	8,000	138,000	133,000					0	0	0	378,000					0	0	0	2,321,000	7,812,000	12,469,000	0	4,710,000	7,968,000
operating leases	424,000	485,000	323,000	310,000	23,000	517,000	1,639,000	-744,000	-1,401,000	-951,000	-798,000	-614,000	-917,000	-1,308,000	-1,714,000	-486,000	-449,000	-900,000	-759,000	-416,000	-499,000	-340,000	-413,000	-375,000	-395,000	-365,000
deferred income taxes	8,144,000	9,189,000	7,518,000	102,163,000	-11,496,000	14,537,000	16,103,000	-6,511,000	-5,172,000	4,125,000	4,592,000	1,716,000	2,328,000	8,398,000	15,726,000	5,211,000	4,927,000	13,442,000	7,414,000	-2,381,000	1,419,000	-3,212,000	2,924,000	230,000	-5,973,000	7,560,000	-12,923,000	32,436,000	-930,000	3,388,000	-8,544,000	-6,209,000	-389,000	10,400,000	-837,000	-668,000	-9,155,000	8,459,000	1,726,000	-232,000	-9,595,000	6,702,000	6,148,000
changes in operating assets and liabilities:
finance and service charges on loans and finance receivables	-5,039,000	3,177,000	-5,930,000	-1,667,000	-6,615,000	1,699,000	-9,487,000	-32,809,000	-15,481,000	13,608,000	-20,077,000	-941,000	-6,996,000	-4,303,000	-2,537,000	-14,274,000	-3,736,000	-255,000	1,525,000	1,497,000	34,140,000	31,686,000	-15,956,000	-16,545,000	-6,321,000	2,250,000	1,767,000	-21,554,000	-5,257,000	2,346,000	-8,824,000	-13,695,000	-5,955,000	9,418,000	-4,189,000	-2,134,000	-6,844,000	-3,065,000
other receivables and prepaid expenses and other assets	-8,220,000	-8,510,000		2,383,000	-9,157,000	11,246,000		1,974,000	4,647,000	14,258,000		-1,022,000	-10,990,000	-7,074,000		-4,282,000	-6,773,000	550,000		705,000	413,000	-2,865,000
accounts payable and accrued expenses	16,025,000	-34,384,000	12,973,000	10,635,000	26,379,000	-14,934,000	14,352,000	-1,737,000	31,518,000	-25,996,000	17,713,000	-9,017,000	22,208,000	-33,747,000	25,403,000	-12,730,000	27,099,000	-21,929,000	7,006,000	2,876,000	844,000	-28,814,000	10,785,000	348,000	27,442,000	-24,794,000	12,712,000	5,205,000	7,973,000	-8,124,000	-6,339,000	13,437,000	-11,372,000	-1,032,000	-13,668,000	10,171,000	5,709,000	6,250,000	-8,466,000	11,677,000	6,060,000	-598,000	-14,845,000
current income taxes	15,719,000	8,928,000		-90,153,000	30,880,000	2,641,000		20,435,000	21,578,000	12,530,000		12,350,000	19,555,000	7,481,000		-8,287,000	-17,263,000	14,348,000	-5,180,000	12,090,000	16,723,000	6,107,000	2,933,000	5,991,000	11,920,000	49,540,000	16,725,000	-42,633,000	-3,263,000	4,349,000		4,091,000
net cash from operating activities	447,364,000	391,144,000	430,520,000	398,551,000	360,942,000	348,563,000	314,288,000	271,242,000	299,323,000	282,016,000	269,138,000	232,686,000	238,635,000	153,539,000	146,711,000	105,227,000	102,902,000	117,028,000	117,638,000	139,787,000	230,932,000	252,514,000	242,734,000	191,146,000	193,679,000	221,080,000	216,680,000	172,444,000	142,714,000	153,002,000	135,876,000	125,239,000	66,193,000	119,865,000	92,666,000	120,200,000	81,915,000	98,592,000	78,380,000	70,619,000	47,057,000	87,865,000	72,135,000
capex	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-7,643,000	-7,629,000	-7,296,000	-7,106,000	-9,656,000	-7,119,000	-7,560,000	-5,156,000	-3,603,000	-5,552,000	-6,023,000	-4,884,000	-4,776,000	-4,238,000	-3,716,000	-3,349,000	-5,724,000	-5,503,000	-3,145,000	-2,156,000	-2,930,000	-3,817,000	-5,419,000	-2,230,000	-3,557,000	-2,182,000	-14,930,000	-11,572,000	-3,426,000
free cash flows	447,364,000	391,144,000	430,520,000	398,551,000	360,942,000	348,563,000	314,288,000	271,242,000	299,323,000	282,016,000	269,138,000	232,686,000	238,635,000	153,539,000	139,068,000	97,598,000	95,606,000	109,922,000	107,982,000	132,668,000	223,372,000	247,358,000	239,131,000	185,594,000	187,656,000	216,196,000	211,904,000	168,206,000	138,998,000	149,653,000	130,152,000	119,736,000	63,048,000	117,709,000	89,736,000	116,383,000	76,496,000	96,362,000	74,823,000	68,437,000	32,127,000	76,293,000	68,709,000
cash flows from investing activities
loans and finance receivables originated or acquired	-1,658,448,000	-1,602,358,000	-1,579,323,000	-1,477,843,000	-1,304,442,000	-1,278,575,000	-1,299,272,000	-1,124,285,000	-972,057,000	-919,869,000	-1,067,392,000	-1,098,728,000	-987,195,000	-950,624,000	-978,552,000	-777,289,000	-609,772,000	-444,947,000	-448,526,000	-117,047,000	-70,008,000	-397,460,000	-395,244,000	-557,849,000	-483,080,000	-371,126,000	-472,549,000	-491,170,000	-408,689,000	-378,099,000	-421,066,000	-390,901,000	-333,442,000	-273,990,000	-320,942,000	-381,541,000	-328,867,000	-276,847,000	-342,516,000	-338,570,000
loans and finance receivables repaid	1,141,436,000	1,105,643,000	1,010,538,000	1,006,493,000	908,763,000	846,616,000	744,865,000	692,104,000	704,279,000	724,818,000	636,428,000	635,074,000	626,836,000	574,247,000	525,474,000	491,079,000	434,581,000	435,932,000	411,007,000	198,644,000	207,101,000	219,275,000	114,720,000	295,548,000	274,120,000	271,855,000	273,349,000	261,782,000	240,220,000	270,018,000	237,080,000	229,773,000	214,513,000	228,188,000	206,183,000	236,335,000	204,353,000	211,177,000	218,389,000	212,397,000
capitalization of software development costs and purchases of fixed assets	-11,224,000	-12,875,000	-10,178,000	-10,932,000	-11,087,000	-11,225,000	-11,812,000	-12,781,000	-10,270,000	-10,378,000	-10,339,000	-9,979,000	-13,193,000	-10,118,000
net cash from investing activities	-528,236,000	-509,590,000	-578,963,000	-482,282,000	-406,766,000	-443,184,000	-566,219,000	-444,962,000	-278,048,000	-205,429,000	-441,303,000	-473,633,000	-364,839,000	-386,495,000	-458,793,000	-294,634,000	-182,487,000	-44,454,000	66,453,000	74,478,000	129,533,000	-186,881,000	-354,410,000	-267,851,000	-214,981,000	-104,155,000	-203,785,000	-233,575,000	-172,167,000	-111,406,000	-189,238,000	-169,358,000	-123,747,000	-44,790,000	-105,016,000	-153,887,000	-144,114,000	-81,559,000	-127,076,000	-128,360,000	-100,361,000	-16,372,000	-94,176,000
cash flows from financing activities
borrowings under revolving line of credit	346,000,000	402,000,000	308,000,000	228,000,000	174,000,000	142,000,000	156,000,000	150,000,000	57,000,000	60,000,000	0	40,000,000	65,000,000	34,000,000	200,000,000	0	0	102,000,000	0	0	0	100,250,000	102,000,000	85,000,000	105,049,000	45,000,000	94,000,000	32,000,000	45,000,000	32,000,000	0				13,400,000	25,000,000	10,000,000	10,000,000
repayments under revolving line of credit	-318,000,000	-402,000,000	-221,000,000	-281,000,000	-188,000,000	-65,000,000	-144,000,000	-72,000,000			0	0	0	-30,000,000	0	0			-52,500,000	0	-105,250,000	-67,000,000	-55,000,000	-60,000,000	-105,049,000	-67,000,000	-72,000,000	-84,999,000	-1,000	-24,000,000	0				-28,400,000	-10,000,000	-10,000,000	-68,400,000
borrowings under securitization facilities	328,858,000	494,696,000	487,704,000	128,262,000	743,834,000	258,061,000	154,167,000	344,603,000	236,479,000	278,342,000	235,520,000	183,211,000	85,000,000	323,926,000	157,214,000	77,967,000	306,926,000	5,161,000	33,783,000	0	0	119,200,000	200,000,000	75,000,000	10,000,000	37,800,000	186,400,000
repayments under securitization facilities	-151,308,000	-299,314,000	-303,826,000	-98,622,000	-571,604,000	-72,372,000	-49,753,000	-264,759,000	-126,602,000	-238,076,000	-37,207,000	-5,067,000	-6,863,000	-16,350,000	-13,890,000	-29,846,000	-49,813,000	-181,139,000	-328,527,000	-44,199,000	-81,073,000	-53,224,000	-128,160,000	-12,625,000	-17,328,000	-84,090,000	-185,315,000
repayments of senior notes			0	-375,691,000	0	-168,702,000	-1,232,000	-10,430,000	-25,815,000	-43,646,000																	-116,486,000	-178,514,000	0	-50,000,000	0
debt issuance costs paid	-2,182,000	-3,991,000	-4,415,000	-12,505,000	-8,253,000	-2,893,000	-14,429,000	-3,332,000	-2,533,000	-2,128,000	-1,081,000	-115,000	-5,608,000	-669,000	-322,000	-2,165,000			0	0	-16,000	-372,000	-2,798,000	-363,000	39,000	-378,000	-3,854,000	-8,796,000			-5,098,000	-7,767,000			-3,186,000	-245,000	0	-3,271,000					-7,000
debt prepayment penalty paid																							0	0	0	-1,392,000	-5,755,000	-9,417,000	0	-3,656,000	-5,359,000
proceeds from exercise of stock options	1,141,000	1,475,000	1,748,000	1,626,000	2,526,000	6,296,000	2,745,000	920,000	1,016,000	959,000	793,000	448,000	617,000	2,381,000	3,531,000	485,000	2,533,000	8,908,000	0	0	0	189,000	37,000	1,180,000	1,949,000	389,000	7,000	2,440,000	3,830,000	457,000
treasury shares purchased	-55,320,000	-85,539,000	-51,240,000	-23,318,000	-63,369,000	-151,365,000	-66,758,000	-36,364,000	-28,169,000	-21,896,000	-19,005,000	-19,693,000	-25,613,000	-78,759,000	-96,817,000	-15,602,000	-1,652,000	-2,586,000	-1,800,000	-12,000	-12,888,000	-41,708,000	-23,211,000	-1,750,000	-573,000	-8,242,000	-15,752,000	-40,000	-394,000	-1,128,000	-2,964,000	-1,443,000	-136,000	-536,000	-322,000	-53,000	-4,000	-58,000
net cash from financing activities	148,626,000	107,327,000	216,971,000	66,752,000	89,134,000	-53,975,000	432,972,000	108,638,000	-48,624,000	33,555,000	179,020,000	198,784,000	112,533,000	234,529,000	249,716,000	30,839,000	152,250,000	-67,656,000	-349,871,000	-44,211,000	-199,227,000	57,335,000	92,868,000	86,442,000	-5,913,000	-77,913,000	-118,755,000	174,833,000	7,009,000	-40,608,000	11,481,000	109,001,000	4,606,000	-20,506,000	9,958,000	44,809,000	-7,071,000	52,184,000					-365,000
effect of exchange rates on cash, cash equivalents and restricted cash	-167,000	307,000		54,000	-932,000	84,000		-258,000	617,000	-149,000		548,000	-417,000	386,000		-450,000	287,000	89,000		-23,000	-37,000	-114,000		-7,538,000	-2,540,000	1,949,000		-4,960,000	-5,944,000	5,533,000
net increase in cash, cash equivalents and restricted cash	67,587,000	-10,812,000	68,288,000	-16,925,000	42,378,000	-148,512,000	181,118,000	-65,340,000	-26,732,000	109,993,000			-14,088,000	1,959,000	-62,258,000	-159,018,000	72,952,000	5,007,000	-165,850,000	170,031,000	161,201,000	122,854,000	-9,700,000	2,199,000	-29,755,000	40,961,000	-107,760,000	108,742,000	-28,388,000	6,521,000
cash, cash equivalents and restricted cash at beginning of year	0	322,668,000	0	0	0	377,439,000	0	0	0	178,400,000	0	0	0	225,883,000	0	0	0	369,200,000	0	0	0	80,964,000	-26,976,000	0	0	77,259,000	0	0	0	98,144,000
cash, cash equivalents and restricted cash at end of period	67,587,000	311,856,000		-16,925,000	42,378,000	228,927,000		-65,340,000	-26,732,000	288,393,000		-41,615,000	-14,088,000	227,842,000		-159,018,000	72,952,000	374,207,000		170,031,000	161,201,000	203,818,000	-9,700,000	2,199,000	-29,755,000	118,220,000	-107,760,000	108,742,000	-28,388,000	104,665,000
supplemental disclosures
non-cash renewal of loans and finance receivables	127,960,000	115,497,000		116,509,000	91,419,000	88,622,000		122,802,000	125,120,000	130,846,000		88,687,000
change in fair value																		21,078,000	20,349,000	22,777,000	120,672,000	235,719,000
write-down of equity method investment			0
loss on sale of subsidiary											0	0
incomplete transaction costs											0	0
other receivables, prepaid expenses and other assets
current income taxes receivable/payable
sale of subsidiary
issuance of senior notes			0																								0				0
effect of exchange rates on cash																															511,000	-1,037,000	2,127,000	2,527,000	-3,355,000	-4,608,000	-3,774,000	928,000	-165,000	-4,186,000	6,097,000	-3,155,000	-6,729,000
cash, cash equivalents and restricted cash at end of year
net income before noncontrolling interest											50,872,000	51,708,000	52,401,000	52,443,000	48,738,000	51,809,000	80,550,000	75,971,000
lease termination and cease-use costs																							0	0	0	370,000
acquisitions, net of cash acquired															0	-795,000	0	-28,358,000	113,517,000	0	0	-3,597,000
other investing activities															0	0	0	25,000	111,000	0	0	57,000	23,000	2,000			191,000	51,000	18,000	24,000	7,000	316,000	-35,000	1,517,000	23,000	-23,000	37,000	58,000	608,000	-5,000			-4,000
sale of a subsidiary												0
less: net income from discontinued operations
net income from continuing operations															48,738,000	51,809,000	80,550,000	75,971,000	230,779,000	93,676,000	48,026,000	5,748,000
gain on bargain purchase
cash flows from operating activities - continuing operations															146,711,000	105,227,000	102,902,000	117,028,000	117,641,000	139,796,000	230,932,000	252,802,000
cash flows from operating activities - discontinued operations																			-3,000	-9,000	0	-288,000
lease termination and cease-use gain
net decrease in cash, cash equivalents and restricted cash
loans and finance receivables renewed														70,926,000		55,097,000	52,290,000	45,111,000		6,291,000	5,982,000	22,281,000		63,655,000	66,132,000	71,420,000		98,103,000	99,839,000	84,544,000		85,936,000	80,139,000	68,183,000		86,852,000	78,388,000	73,456,000		72,509,000
cost of revenue																							154,286,000	171,266,000	138,297,000	139,045,000	177,190,000	163,763,000	121,494,000	108,553,000	127,545,000	107,341,000	79,862,000	81,884,000	97,545,000	95,391,000	65,453,000	69,577,000	71,138,000	65,614,000	41,536,000	38,570,000	60,592,000
loss on partial divestiture of subsidiary
purchases of property and equipment															-7,643,000	-7,629,000	-7,296,000	-7,106,000	-9,656,000	-7,119,000	-7,560,000	-5,156,000	-3,603,000	-5,552,000	-6,023,000	-4,884,000	-4,776,000	-4,238,000	-3,716,000	-3,349,000	-5,724,000	-5,503,000	-3,145,000	-2,156,000	-2,930,000	-3,817,000	-5,419,000	-2,230,000	-3,557,000	-2,182,000	-14,930,000	-11,572,000	-3,426,000
cash flows from investing activities - continuing operations																		-44,454,000	66,453,000	74,478,000	129,533,000	-186,881,000
cash flows from investing activities - discontinued operations
less: decrease in cash, cash equivalents and restricted cash from discontinued operations
change in cash, cash equivalents and restricted cash from continuing operations																			-165,850,000	170,031,000	161,201,000	122,854,000
add: net income from discontinued operations																				9,000	0	288,000
less: net income (income) from discontinued operations
other																											0	0	0	55,000					0	0	1,416,000	-1,567,000	-203,000	212,000	31,000	944,000	-512,000
payment of promissory note																											0	0
less: decrease (increase) in cash, cash equivalents and restricted cash from discontinued operations
less: increase in cash, cash equivalents and restricted cash from discontinued operations
fair value changes in contingent purchase consideration
other receivables and prepaid expenses																								-5,124,000	-4,999,000	1,123,000	-4,287,000	-604,000	-3,696,000	2,015,000	-20,000	805,000	-5,298,000	1,203,000	-857,000	-334,000	-1,240,000	3,274,000		-4,751,000
borrowings under securitization facility																													25,000,000	55,300,000	222,642,000	71,600,000	42,900,000	22,700,000	61,114,000	56,200,000	27,700,000	135,061,000
repayments under securitization facility																													-63,066,000	-49,581,000	-197,768,000	-37,054,000	-36,361,000	-42,670,000	-32,648,000	-26,093,000	-34,767,000	-21,148,000
current income taxes payable																																		-3,286,000	-4,867,000	2,237,000	10,348,000	-1,933,000	180,000	-6,396,000	-7,732,000	1,643,000
change in restricted cash																															465,000	-3,043,000	-1,638,000	1,651,000	12,650,000	-4,841,000	-14,218,000	-13,717,000
net increase in cash and cash equivalents																															-41,370,000	63,845,000	-50,821,000	57,096,000	-5,747,000	6,514,000	-73,044,000	70,145,000	7,756,000	-61,927,000	-47,207,000	68,338,000	-29,135,000
cash and cash equivalents at beginning of year																															0	0	0	39,934,000	0	0	0	42,066,000	0	0	0	75,106,000	0
cash and cash equivalents at end of period																															-41,370,000	63,845,000	-50,821,000	97,030,000	-5,747,000	6,514,000	-73,044,000	112,211,000	7,756,000	-61,927,000	-47,207,000	143,444,000	-29,135,000
non-cash affiliate interest expense																																											0
investment in unconsolidated investee
issuance of long-term debt																																											0
dividend paid to cash america
net equity transactions with cash america
payments on affiliate line of credit
acquisitions																																								0
promissory note issued																																								0
stock-based compensation																																											407,000
prepaid expenses and other assets																																										373,000	-3,351,000
restricted cash deposit
finance and service charges on loans and finance receivables revenue
related party payable
finance and service charges on consumer loans																																										7,879,000	1,922,000
consumer loans originated or acquired																																										-226,701,000	-310,433,000
consumer loans repaid																																										221,901,000	228,258,000
consumer loans renewed																																										45,747,000
investment in non-marketable securities
current intercompany income taxes payable
other operating assets and liabilities
dividend paid to parent
net equity transactions with parent
payments for affiliate line of credit

We provide you with 20 years of cash flow statements for Enova International stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as operating cash flows, cash levels, capital expenditures, profits, stock-based compensations and profit margins. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of Enova International stock. Explore the full financial landscape of Enova International stock with our expertly curated income statements.

The information provided in this report about Enova International stock is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.