Enova International, Inc(NYSE:ENVA) 
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; income share agreements; CSO programs, including arra...
Website: http://www.enova.com
Founded: 2011
Full Time Employees: 1,325
Sector: Financial Services
Industry: Credit Services
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At a glance:
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Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 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 | 2014-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
revenue | 839,391,000 | 802,678,000 | 764,043,000 | 745,541,000 | 729,551,000 | 689,924,000 | 628,436,000 | 609,889,000 | 583,592,000 | 551,360,000 | 499,431,000 | 483,256,000 | 486,164,000 | 456,200,000 | 407,990,000 | 385,731,000 | 363,608,000 | 320,160,000 | 264,720,000 | 259,444,000 | 263,852,000 | 204,545,000 | 253,061,000 | 362,252,000 | 266,361,000 | 329,513,000 | 285,700,000 | 293,183,000 | 312,596,000 | 293,879,000 | 253,301,000 | 254,298,000 | 243,696,000 | 217,878,000 | 189,904,000 | 192,263,000 | 202,438,000 | 195,943,000 | 172,535,000 | 174,653,000 | 175,417,000 | 165,227,000 | 146,280,000 | 165,676,000 | 194,722,000 | 205,168,000 |
yoy | 15.06% | 16.34% | 21.58% | 22.24% | 25.01% | 25.13% | 25.83% | 26.20% | 20.04% | 20.86% | 22.41% | 25.28% | 33.71% | 42.49% | 54.12% | 48.68% | 37.81% | 56.52% | 4.61% | -28.38% | -0.94% | -37.93% | -11.42% | 23.56% | -14.79% | 12.13% | 12.79% | 15.29% | 28.27% | 34.88% | 33.38% | 32.27% | 20.38% | 11.19% | 10.07% | 10.08% | 15.40% | 18.59% | 17.95% | 5.42% | -9.91% | -19.47% | ||||
qoq | 4.57% | 5.06% | 2.48% | 2.19% | 5.74% | 9.78% | 3.04% | 4.51% | 5.85% | 10.40% | 3.35% | -0.60% | 6.57% | 11.82% | 5.77% | 6.08% | 13.57% | 20.94% | 2.03% | -1.67% | 28.99% | -19.17% | -30.14% | 36.00% | -19.17% | 15.34% | -2.55% | -6.21% | 6.37% | 16.02% | -0.39% | 4.35% | 11.85% | 14.73% | -1.23% | -5.03% | 3.31% | 13.57% | -1.21% | -0.44% | 6.17% | 12.95% | -11.71% | -14.92% | -5.09% | |
change in fair value | -337,497,000 | -341,971,000 | -322,585,000 | -319,359,000 | -316,515,000 | -289,568,000 | -258,245,000 | -264,023,000 | -258,556,000 | -231,749,000 | -200,046,000 | -197,366,000 | -196,056,000 | -162,005,000 | -143,418,000 | -117,042,000 | -83,229,000 | -73,778,000 | -5,587,000 | -21,078,000 | -20,349,000 | -22,777,000 | -120,672,000 | -235,719,000 | ||||||||||||||||||||||
net revenue | 501,894,000 | 460,707,000 | 441,458,000 | 426,182,000 | 413,036,000 | 400,356,000 | 370,191,000 | 345,866,000 | 325,036,000 | 319,611,000 | 299,385,000 | 285,890,000 | 290,108,000 | 294,195,000 | 264,572,000 | 268,689,000 | 185,970,250 | 246,382,000 | 259,133,000 | 238,366,000 | ||||||||||||||||||||||||||
operating expenses | ||||||||||||||||||||||||||||||||||||||||||||||
marketing | 191,587,000 | 147,351,000 | 142,848,000 | 139,291,000 | 151,178,000 | 141,059,000 | 120,765,000 | 110,567,000 | 122,226,000 | 116,508,000 | 95,971,000 | 79,755,000 | 96,573,000 | 101,278,000 | 91,551,000 | 93,171,000 | 107,612,000 | 79,726,000 | 55,254,000 | 28,568,000 | 27,605,000 | 4,629,000 | 2,988,000 | 34,558,000 | 22,573,000 | 36,993,000 | 31,904,000 | 23,662,000 | 32,136,000 | 36,011,000 | 29,386,000 | 27,736,000 | 31,436,000 | 27,000,000 | 23,410,000 | 19,583,000 | 23,904,000 | 26,722,000 | 25,597,000 | 21,181,000 | 32,451,000 | 35,568,000 | 24,707,000 | 24,156,000 | 35,163,000 | 33,393,000 |
operations and technology | 67,505,000 | 64,564,000 | 63,648,000 | 62,462,000 | 58,431,000 | 56,628,000 | 54,953,000 | 54,379,000 | 47,089,000 | 51,686,000 | 46,961,000 | 49,169,000 | 44,723,000 | 45,953,000 | 42,262,000 | 40,730,000 | 39,072,000 | 37,966,000 | 35,035,000 | 35,627,000 | 30,812,000 | 17,702,000 | 16,504,000 | 31,266,000 | -12,059,000 | 34,310,000 | 32,411,000 | 29,600,000 | 31,490,000 | 28,260,000 | 27,195,000 | 25,538,000 | 22,643,000 | 27,163,000 | 21,818,000 | 23,531,000 | 23,496,000 | 20,637,000 | 20,935,000 | 20,134,000 | 19,856,000 | 18,590,000 | 17,554,000 | 18,012,000 | 19,203,000 | 19,362,000 |
general and administrative | 47,089,000 | 39,661,000 | 40,508,000 | 42,464,000 | 38,035,000 | 38,916,000 | 39,708,000 | 39,865,000 | 49,148,000 | 37,731,000 | 36,228,000 | 37,158,000 | 35,064,000 | 37,182,000 | 33,690,000 | 34,528,000 | 40,641,000 | 33,557,000 | 38,675,000 | 44,089,000 | 56,657,000 | 33,656,000 | 22,336,000 | 27,951,000 | 21,968,000 | 28,787,000 | 28,876,000 | 29,573,000 | 27,484,000 | 24,360,000 | 28,295,000 | 26,921,000 | 24,618,000 | 25,164,000 | 26,245,000 | 25,696,000 | 21,209,000 | 21,307,000 | 27,515,000 | 27,925,000 | 26,791,000 | 22,627,000 | 27,089,000 | 25,566,000 | 25,350,000 | 31,167,000 |
depreciation and amortization | 9,066,000 | 12,356,000 | 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 | 5,338,000 |
total operating expenses | 315,247,000 | 263,932,000 | 257,352,000 | 254,278,000 | 257,840,000 | 246,642,000 | 225,135,000 | 215,074,000 | 227,497,000 | 215,879,000 | 187,789,000 | 176,622,000 | 184,859,000 | 195,683,000 | 175,087,000 | 177,943,000 | ||||||||||||||||||||||||||||||
income from operations | 186,647,000 | 196,775,000 | 184,106,000 | 171,904,000 | 155,196,000 | 153,714,000 | 145,056,000 | 130,792,000 | 97,539,000 | 103,732,000 | 111,596,000 | 109,268,000 | 105,249,000 | 98,512,000 | 89,485,000 | 90,746,000 | 80,680,000 | 86,219,000 | 122,709,000 | 123,455,000 | 120,141,000 | 122,011,000 | 86,557,000 | 29,088,000 | 76,380,000 | 54,441,000 | 50,270,000 | 67,119,000 | 40,469,000 | 37,797,000 | 43,094,000 | 61,712,000 | 33,462,000 | 27,677,000 | 35,203,000 | 38,072,000 | 32,724,000 | 28,097,000 | 28,807,000 | 31,849,000 | 20,991,000 | 18,946,000 | 30,361,000 | 54,089,000 | 49,454,000 | 42,989,000 |
yoy | 20.27% | 28.01% | 26.92% | 31.43% | 59.11% | 48.18% | 29.98% | 19.70% | -7.33% | 5.30% | 24.71% | 20.41% | 30.45% | 14.26% | -27.08% | -26.49% | -32.85% | -29.34% | 41.77% | 324.42% | 57.29% | 124.12% | 72.18% | -56.66% | 88.74% | 44.04% | 16.65% | 8.76% | 20.94% | 36.56% | 22.42% | 62.09% | 2.26% | -1.49% | 22.20% | 19.54% | 55.90% | 48.30% | -5.12% | -41.12% | -57.55% | -55.93% | ||||
qoq | -5.15% | 6.88% | 7.10% | 10.77% | 0.96% | 5.97% | 10.91% | 34.09% | -5.97% | -7.05% | 2.13% | 3.82% | 6.84% | 10.09% | -1.39% | 12.48% | -6.42% | -29.74% | -0.60% | 2.76% | -1.53% | 40.96% | 197.57% | -61.92% | 40.30% | 8.30% | -25.10% | 65.85% | 7.07% | -12.29% | -30.17% | 84.42% | 20.90% | -21.38% | -7.54% | 16.34% | 16.47% | -2.46% | -9.55% | 51.73% | 10.79% | -37.60% | -43.87% | 9.37% | 15.04% | |
operating margin % | 22.24% | 24.51% | 24.10% | 23.06% | 21.27% | 22.28% | 23.08% | 21.45% | 16.71% | 18.81% | 22.34% | 22.61% | 21.65% | 21.59% | 21.93% | 23.53% | 22.19% | 26.93% | 46.35% | 47.58% | 45.53% | 59.65% | 34.20% | 8.03% | 28.68% | 16.52% | 17.60% | 22.89% | 12.95% | 12.86% | 17.01% | 24.27% | 13.73% | 12.70% | 18.54% | 19.80% | 16.16% | 14.34% | 16.70% | 18.24% | 11.97% | 11.47% | 20.76% | 32.65% | 25.40% | 20.95% |
interest expense | -89,026,000 | -86,954,000 | -82,781,000 | -80,544,000 | -76,989,000 | -76,902,000 | -70,954,000 | -65,597,000 | -57,208,000 | -48,666,000 | -45,584,000 | -43,321,000 | -37,530,000 | -30,924,000 | -24,950,000 | -22,483,000 | -19,016,000 | -18,163,000 | -19,416,000 | -19,914,000 | -27,304,000 | -18,634,000 | -20,372,000 | -20,381,000 | -19,757,000 | -18,232,000 | -18,115,000 | -19,500,000 | -20,076,000 | -20,244,000 | -19,355,000 | -19,673,000 | -21,477,000 | -18,292,000 | -17,012,000 | -17,222,000 | -17,545,000 | -16,117,000 | -16,026,000 | -15,915,000 | -13,382,000 | -13,292,000 | -12,904,000 | -13,305,000 | -13,273,000 | -13,136,000 |
foreign currency transaction gain | 595,000 | 90,000 | 134,000 | -902,000 | -95,000 | 49,000 | 179,000 | -715,000 | 363,000 | 21,000 | -240,000 | -34,000 | -18,000 | 41,000 | -23,000 | -12,000 | -55,000 | 27,000 | -204,000 | -2,088,000 | 30,000 | 65,000 | 62,000 | 227,000 | -622,000 | 145,000 | 471,000 | 1,568,000 | ||||||||||||||||||
equity method investment income | 568,000 | 258,000 | 613,000 | 1,251,000 | -10,000 | -1,119,000 | -6,000 | -87,000 | -129,000 | 6,323,000 | 328,000 | 395,000 | 529,000 | 1,471,000 | 558,000 | |||||||||||||||||||||||||||||||
other nonoperating expenses | -1,019,000 | -4,678,000 | -521,000 | -492,000 | -3,000 | -25,000 | -121,000 | -133,000 | -230,000 | -1,091,000 | -842,000 | -750,000 | ||||||||||||||||||||||||||||||||||
income before income taxes | 98,784,000 | 110,169,000 | 101,053,000 | 91,028,000 | 77,397,000 | 55,487,000 | 73,562,000 | 64,655,000 | 41,628,000 | 55,210,000 | 64,772,000 | 65,637,000 | 66,917,000 | 67,592,000 | 69,788,000 | 68,277,000 | 61,218,000 | 68,476,000 | 103,774,000 | 103,687,000 | 257,158,000 | 103,347,000 | 66,167,000 | 8,748,000 | 56,600,000 | 36,197,000 | 32,117,000 | 45,155,000 | 12,526,000 | 5,111,000 | 23,535,000 | 35,241,000 | 4,047,000 | -5,477,000 | 18,253,000 | 21,077,000 | 14,557,000 | 12,125,000 | 13,252,000 | 17,502,000 | 7,811,000 | 5,442,000 | 17,426,000 | 39,840,000 | 36,701,000 | 29,698,000 |
provision for income taxes | 19,803,000 | 29,855,000 | 24,904,000 | 18,083,000 | 13,702,000 | 12,073,000 | 19,651,000 | 16,227,000 | 6,860,000 | 13,925,000 | 16,627,000 | 14,714,000 | 16,045,000 | 15,884,000 | 23,224,000 | 27,716,000 | 7,703,000 | 9,671,000 | 18,141,000 | 3,000,000 | 10,138,000 | 5,310,000 | 7,343,000 | 15,310,000 | ||||||||||||||||||||||
net income | 78,981,000 | 80,314,000 | 76,149,000 | 72,945,000 | 63,695,000 | 43,414,000 | 53,911,000 | 48,428,000 | 35,088,250 | 41,285,000 | 48,145,000 | 50,923,000 | 36,788,250 | 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 | 18,485,000 | ||||||||
yoy | 24.00% | 85.00% | 41.25% | 50.63% | 81.53% | 5.16% | 11.98% | -4.90% | -172.77% | 245.83% | 91.62% | -84.41% | -683.01% | 76.98% | 37.52% | 25.52% | 25.98% | -554.39% | 53.50% | 101.40% | -21.01% | -142.98% | 45.00% | 40.44% | 108.42% | 77.43% | -24.63% | -59.79% | -81.42% | -76.10% | ||||||||||||||||
qoq | -1.66% | 5.47% | 4.39% | 14.52% | 46.72% | -19.47% | 11.32% | 38.02% | -15.01% | -14.25% | -5.46% | -60.72% | 95.03% | 779.60% | -110.80% | -286.65% | 8.07% | -28.43% | 303.84% | -43.34% | -16.03% | -34.67% | 305.32% | -304.36% | -128.37% | -14.29% | 58.96% | 11.19% | -4.29% | -16.98% | 135.90% | -5.34% | -59.34% | -55.71% | 9.01% | 21.73% | ||||||||||
net income margin % | 9.41% | 10.01% | 9.97% | 9.78% | 8.73% | 6.29% | 8.58% | 7.94% | 6.01% | 7.49% | 9.64% | 10.54% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 13.94% | 45.79% | 18.98% | 1.51% | -18.98% | 8.22% | 8.77% | 11.94% | 2.77% | 5.21% | 7.19% | 10.97% | 2.82% | -1.55% | 6.25% | 7.20% | 4.30% | 4.00% | 4.75% | 5.65% | 2.38% | 2.67% | 7.43% | 14.81% | 11.56% | 9.01% |
earnings per share | ||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share: | ||||||||||||||||||||||||||||||||||||||||||||||
basic | 3.18 | 3.22 | 3.01 | 2.84 | 2.42 | 1.64 | 2 | 1.72 | 1.18 | 1.35 | 1.55 | 1.62 | 1.2 | 1.62 | 1.61 | 1.57 | 0.645 | 0.8 | 0.74 | 1.05 | 0.35 | 0.42 | 0.26 | 0.24 | 0.25 | 0.3 | 0.12 | 0.13 | 0.33 | 0.74 | ||||||||||||||||
diluted | 2.99 | 3.03 | 2.86 | 2.69 | 2.29 | 1.57 | 1.93 | 1.64 | 1.14 | 1.29 | 1.5 | 1.56 | 1.16 | 1.57 | 1.56 | 1.5 | 0.633 | 0.78 | 0.73 | 1.02 | 0.35 | 0.41 | 0.25 | 0.23 | 0.25 | 0.3 | 0.12 | 0.13 | 0.33 | 0.74 | ||||||||||||||||
weighted-average common shares outstanding: | ||||||||||||||||||||||||||||||||||||||||||||||
basic | 25,169 | 24,955 | 25,297 | 25,676 | 26,920 | 26,420 | 26,938 | 28,196 | 30,673 | 30,600 | 31,084 | 31,341 | 32,290 | 31,912 | 32,497 | 33,374 | 36,351 | 36,744 | 36,801 | 36,109 | 31,897 | 30,108 | 30,203 | 32,337 | 33,715 | 33,997 | 33,826 | 33,481 | 33,993 | 34,168 | 33,984 | 33,669 | 33,523 | 33,670 | 33,553 | 33,372 | 33,192 | 33,211 | 33,175 | 33,142 | 33,006 | 33,000 | 33,000 | 33,000 | 33,000 | |
diluted | 26,775 | 26,472 | 26,646 | 27,104 | 28,202 | 27,711 | 27,941 | 29,503 | 31,921 | 31,902 | 32,203 | 32,711 | 33,483 | 32,966 | 33,484 | 34,882 | 37,736 | 37,984 | 38,142 | 37,487 | 32,302 | 30,363 | 30,352 | 32,833 | 34,398 | 34,577 | 34,469 | 34,421 | 35,176 | 35,665 | 35,371 | 34,572 | 34,132 | 33,670 | 34,125 | 34,036 | 33,462 | 33,558 | 33,335 | 33,187 | 33,026 | 33,022 | 33,015 | 33,008 | 33,008 | |
foreign currency transaction loss | -452,000 | -19,000 | -48,000 | -171,000 | -314,000 | -95,750 | -109,000 | -1,750 | -30,000 | -38,000 | -143,000 | 202,000 | -212,000 | -31,000 | -944,000 | 520,000 | -155,000 | |||||||||||||||||||||||||||||
equity method investment gain | 120,000 | |||||||||||||||||||||||||||||||||||||||||||||
equity method investment loss | -4,138,000 | -16,552,000 | ||||||||||||||||||||||||||||||||||||||||||||
net income before noncontrolling interest | 39,138,000 | 51,708,000 | 52,401,000 | 52,443,000 | ||||||||||||||||||||||||||||||||||||||||||
less: net income attributable to noncontrolling interest | 88,000 | 261,000 | 373,000 | 51,000 | ||||||||||||||||||||||||||||||||||||||||||
net income attributable to enova international, inc. | 50,872,000 | 51,708,000 | 52,401,000 | 52,443,000 | 48,650,000 | 51,548,000 | 80,177,000 | 75,920,000 | ||||||||||||||||||||||||||||||||||||||
earnings per share attributable to enova international, inc.: | ||||||||||||||||||||||||||||||||||||||||||||||
benefit from income taxes | 17,387,000 | 15,834,000 | 12,480,000 | 16,667,000 | 6,576,000 | 9,112,000 | 7,054,000 | 6,380,000 | 7,225,000 | 5,843,000 | 4,288,000 | 5,064,000 | 7,639,000 | 3,630,000 | 1,025,000 | 6,562,000 | 14,199,000 | 11,213,000 | ||||||||||||||||||||||||||||
expenses | ||||||||||||||||||||||||||||||||||||||||||||||
total expenses | 102,874,500 | 160,163,000 | 136,424,000 | 114,911,000 | 123,362,000 | 59,757,000 | 45,832,000 | 97,445,000 | 35,695,000 | 103,806,000 | 97,133,000 | 87,019,000 | 94,937,000 | 92,319,000 | 88,713,000 | 84,033,000 | 82,689,000 | 82,860,000 | 74,839,000 | 72,307,000 | 72,169,000 | 72,455,000 | 78,275,000 | 73,227,000 | 83,288,000 | 80,667,000 | 74,383,000 | 73,017,000 | 84,676,000 | 89,260,000 | ||||||||||||||||
net income from continuing operations before noncontrolling interest | 48,738,000 | 51,809,000 | 80,550,000 | 75,971,000 | ||||||||||||||||||||||||||||||||||||||||||
net income from continuing operations | 48,650,000 | 51,548,000 | 80,177,000 | 75,920,000 | 230,694,000 | 93,676,000 | 48,026,000 | 5,748,000 | ||||||||||||||||||||||||||||||||||||||
net income from discontinued operations | ||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share – basic: | ||||||||||||||||||||||||||||||||||||||||||||||
continuing operations | 1.37 | 1.4 | 2.18 | 2.1 | 7.08 | 3.11 | 1.59 | 0.18 | ||||||||||||||||||||||||||||||||||||||
discontinued operations | -0.01 | |||||||||||||||||||||||||||||||||||||||||||||
earnings per common share – basic | 1.37 | 1.4 | 2.18 | 2.1 | 7.08 | 3.11 | 1.59 | 0.17 | ||||||||||||||||||||||||||||||||||||||
earnings per common share – diluted: | ||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share – diluted | 1.31 | 1.36 | 2.1 | 2.03 | 6.98 | 3.09 | 1.58 | 0.17 | ||||||||||||||||||||||||||||||||||||||
net loss from discontinued operations | -74,250 | -9,000 | -288,000 | |||||||||||||||||||||||||||||||||||||||||||
loss on early extinguishment of debt | -378,000 | -2,321,000 | -7,812,000 | -12,469,000 | -4,710,000 | -7,968,000 | -14,927,000 | |||||||||||||||||||||||||||||||||||||||
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 | 72,919,000 | ||||||||||||||||||||||||
net revenue/gross profit | 243,503,000 | 181,768,000 | 132,389,000 | 126,533,000 | ||||||||||||||||||||||||||||||||||||||||||
earnings per share: | ||||||||||||||||||||||||||||||||||||||||||||||
gross profit | 112,075,000 | 158,247,000 | 147,403,000 | 154,138,000 | 135,406,000 | 130,116,000 | 131,807,000 | 145,745,000 | 116,151,000 | 110,537,000 | 110,042,000 | 110,379,000 | 104,893,000 | 100,552,000 | 107,082,000 | 105,076,000 | 104,279,000 | 99,613,000 | 104,744,000 | 127,106,000 | 134,130,000 | 132,249,000 | ||||||||||||||||||||||||
yoy | -17.23% | 21.62% | 11.83% | 5.76% | 16.58% | 17.71% | 19.78% | 32.04% | 10.73% | 9.93% | 2.76% | 5.05% | 0.59% | 0.94% | 2.23% | -17.33% | -22.26% | -24.68% | ||||||||||||||||||||||||||||
qoq | -29.18% | 7.36% | -4.37% | 13.83% | 4.07% | -1.28% | -9.56% | 25.48% | 5.08% | 0.45% | -0.31% | 5.23% | 4.32% | -6.10% | 1.91% | 0.76% | 4.68% | -4.90% | -17.59% | -5.24% | 1.42% | |||||||||||||||||||||||||
gross margin % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 42.08% | 48.02% | 51.59% | 52.57% | 43.32% | 44.28% | 52.04% | 57.31% | 47.66% | 50.73% | 57.95% | 57.41% | 51.81% | 51.32% | 62.06% | 60.16% | 59.45% | 60.29% | 71.61% | 76.72% | 68.88% | 64.46% |
(benefit from) benefit from income taxes | 615,000 | -10,193,000 | 2,874,000 | -2,109,000 | ||||||||||||||||||||||||||||||||||||||||||
net income per common share: | ||||||||||||||||||||||||||||||||||||||||||||||
basic | 0.453 | 0.45 | 0.54 | 0.83 | 0.168 | -0.1 | ||||||||||||||||||||||||||||||||||||||||
diluted | 0.438 | 0.43 | 0.52 | 0.81 | 0.165 | -0.1 | ||||||||||||||||||||||||||||||||||||||||
earnings per common share, basic and diluted | 0.675 | 0.56 | ||||||||||||||||||||||||||||||||||||||||||||
weighted-average common shares outstanding, basic and diluted | 33,000 |
Balance Sheets:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 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 | 2014-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
assets | ||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents | 71,709,000 | 53,600,000 | 55,560,000 | 55,514,000 | 73,910,000 | 67,500,000 | 60,138,000 | 76,458,000 | 54,357,000 | 62,908,000 | 100,042,000 | 97,680,000 | 100,165,000 | 87,727,000 | 144,090,000 | 131,692,000 | 165,477,000 | 229,088,000 | 394,353,000 | 324,328,000 | 297,273,000 | 490,033,000 | 321,472,000 | 161,076,000 | 35,895,000 | 69,945,000 | 65,503,000 | 92,829,000 | 52,917,000 | 164,122,000 | 47,414,000 | 69,900,000 | 68,684,000 | 110,054,000 | 46,209,000 | 97,030,000 | 39,934,000 | 45,681,000 | 39,167,000 | 112,211,000 | 42,066,000 | 34,310,000 | 96,237,000 | 143,444,000 | 75,106,000 | 104,241,000 |
restricted cash | 336,154,000 | 303,365,000 | 323,883,000 | 256,342,000 | 248,758,000 | 186,880,000 | 211,167,000 | 152,469,000 | 323,082,000 | 133,413,000 | 161,619,000 | 190,713,000 | 78,235,000 | 84,412,000 | 69,664,000 | 96,150,000 | 60,406,000 | 59,053,000 | 52,806,000 | 49,879,000 | 71,927,000 | 45,017,000 | 43,547,000 | 42,742,000 | 45,069,000 | 20,719,000 | 22,962,000 | 25,391,000 | 24,342,000 | 20,897,000 | 28,863,000 | 34,765,000 | ||||||||||||||
loans and finance receivables at fair value | 5,471,544,000 | 5,012,853,000 | 4,773,315,000 | 4,569,819,000 | 4,386,444,000 | 4,134,440,000 | 3,939,159,000 | 3,795,210,000 | 3,629,167,000 | 3,321,062,000 | 3,092,445,000 | 3,003,366,000 | 3,018,528,000 | 2,765,123,000 | 2,460,851,000 | 2,231,884,000 | 1,964,690,000 | 1,635,282,000 | 1,408,703,000 | 1,230,711,000 | 1,241,506,000 | 693,370,000 | 799,662,000 | 1,093,207,000 | ||||||||||||||||||||||
income taxes receivable | 40,901,000 | 55,124,000 | 35,586,000 | 48,117,000 | 40,690,000 | 66,290,000 | 68,732,000 | 85,424,000 | 44,129,000 | 65,664,000 | 32,653,000 | 37,884,000 | 43,741,000 | 40,609,000 | 44,597,000 | 56,572,000 | 51,104,000 | 4,799,000 | 337,000 | 10,510,000 | 35,487,000 | 32,859,000 | 12,727,000 | 12,693,000 | 20,672,000 | 28,914,000 | 45,639,000 | 3,006,000 | 4,092,000 | 9,319,000 | 13,410,000 | 3,004,000 | 7,436,000 | 5,503,000 | 5,683,000 | 14,000 | ||||||||||
other receivables and prepaid expenses | 80,870,000 | 76,941,000 | 78,045,000 | 71,617,000 | 63,752,000 | 68,926,000 | 71,172,000 | 65,963,000 | 71,982,000 | 58,624,000 | 57,758,000 | 55,478,000 | 66,267,000 | 59,470,000 | 58,859,000 | 60,151,000 | 52,274,000 | 52,975,000 | 48,476,000 | 41,630,000 | 40,301,000 | 25,117,000 | 28,541,000 | 33,530,000 | 31,643,000 | 39,549,000 | 34,459,000 | 29,354,000 | 29,983,000 | 25,699,000 | 25,373,000 | 22,164,000 | 23,817,000 | 23,796,000 | 22,006,000 | 18,059,000 | 19,524,000 | 18,649,000 | 18,468,000 | 18,810,000 | 20,049,000 | 19,778,000 | 15,381,000 | |||
property and equipment | 132,566,000 | 128,690,000 | 127,686,000 | 124,791,000 | 119,956,000 | 117,970,000 | 115,061,000 | 111,678,000 | 108,705,000 | 103,911,000 | 99,073,000 | 95,413,000 | 93,228,000 | 89,375,000 | 88,648,000 | 81,031,000 | 78,402,000 | 81,149,000 | 80,430,000 | 78,899,000 | 79,417,000 | 63,403,000 | 60,030,000 | 56,216,000 | 54,540,000 | 54,951,000 | 52,878,000 | 50,522,000 | 49,553,000 | 48,514,000 | 47,752,000 | 47,698,000 | 48,525,000 | 46,557,000 | 44,329,000 | 44,279,000 | 47,100,000 | 47,486,000 | 47,206,000 | 45,740,000 | 48,055,000 | 48,814,000 | 50,549,000 | 40,257,000 | 33,985,000 | 35,598,000 |
operating lease right-of-use asset | 16,549,000 | 18,201,000 | 14,251,000 | 19,347,000 | 23,101,000 | 40,123,000 | 19,586,000 | |||||||||||||||||||||||||||||||||||||||
goodwill | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 267,974,000 | 267,868,000 | 267,868,000 | 267,868,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,015,000 | 267,015,000 | 267,012,000 | 267,011,000 | 267,010,000 | 267,012,000 | 267,013,000 | 267,012,000 | 267,008,000 | 271,568,000 | 270,246,000 | 255,856,000 | 255,862,000 | 255,865,000 |
intangible assets | 3,660,000 | 4,910,000 | 6,923,000 | 8,937,000 | 10,951,000 | 12,964,000 | 14,978,000 | 16,991,000 | 19,005,000 | 21,019,000 | 23,032,000 | 25,046,000 | 27,390,000 | 29,403,000 | 31,417,000 | 33,431,000 | 35,444,000 | 37,458,000 | 39,472,000 | 41,155,000 | 26,008,000 | 1,623,000 | 1,650,000 | 1,918,000 | 2,185,000 | 2,452,000 | 2,720,000 | 2,987,000 | 3,255,000 | 3,523,000 | 3,790,000 | 4,058,000 | 4,325,000 | 4,593,000 | 4,865,000 | 5,136,000 | 5,404,000 | 5,675,000 | 5,946,000 | 6,221,000 | 6,540,000 | 3,698,000 | 3,705,000 | 33,000 | 39,000 | 18,000 |
other assets | 35,204,000 | 30,312,000 | 26,699,000 | 25,239,000 | 24,194,000 | 28,746,000 | 44,229,000 | 39,408,000 | 41,583,000 | 41,193,000 | 45,522,000 | 49,739,000 | 54,713,000 | 53,747,000 | 54,468,000 | 54,451,000 | 51,310,000 | 52,315,000 | 53,185,000 | 48,606,000 | 43,546,000 | 27,363,000 | 25,391,000 | 21,276,000 | 22,912,000 | 11,907,000 | 11,844,000 | 12,342,000 | 12,262,000 | 12,078,000 | 9,862,000 | 9,526,000 | 8,837,000 | 10,842,000 | 13,406,000 | 9,821,000 | 11,051,000 | 8,439,000 | 8,478,000 | 8,636,000 | 28,041,000 | 27,398,000 | 28,340,000 | 28,513,000 | 29,536,000 | 21,712,000 |
total assets | 6,468,432,000 | 5,962,237,000 | 5,724,753,000 | 5,457,258,000 | 5,266,131,000 | 4,975,696,000 | 4,817,091,000 | 4,636,527,000 | 4,585,536,000 | 4,103,053,000 | 3,907,907,000 | 3,846,992,000 | 3,780,889,000 | 3,509,414,000 | 3,253,170,000 | 3,047,144,000 | 2,761,483,000 | 2,467,499,000 | 2,394,789,000 | 2,133,642,000 | 2,108,075,000 | 1,634,164,000 | 1,578,973,000 | 1,733,301,000 | 1,574,352,000 | 1,500,677,000 | 1,383,467,000 | 1,338,419,000 | 1,328,185,000 | 1,426,268,000 | 1,183,204,000 | 1,158,200,000 | 1,159,460,000 | 1,139,778,000 | 1,001,869,000 | 985,413,000 | 977,879,000 | 975,079,000 | 910,869,000 | 915,176,000 | 880,870,000 | 820,154,000 | 803,558,000 | 782,553,000 | 760,197,000 | 760,438,000 |
liabilities and stockholders' equity | ||||||||||||||||||||||||||||||||||||||||||||||
accounts payable and accrued expenses | 305,849,000 | 252,914,000 | 257,509,000 | 237,420,000 | 249,970,000 | 259,535,000 | 333,972,000 | 290,603,000 | 261,156,000 | 275,160,000 | 229,315,000 | 177,869,000 | 198,320,000 | 168,978,000 | 169,530,000 | 136,944,000 | 156,102,000 | 124,584,000 | 140,571,000 | 108,982,000 | 124,071,000 | 76,526,000 | 87,691,000 | 95,893,000 | 122,163,000 | 122,212,000 | 118,195,000 | 87,434,000 | 89,317,000 | 76,188,000 | 72,406,000 | 70,473,000 | 77,123,000 | 78,897,000 | 62,799,000 | 70,485,000 | 71,671,000 | 85,433,000 | 75,175,000 | 74,278,000 | 72,141,000 | 79,081,000 | 70,735,000 | 54,175,000 | 57,277,000 | 71,373,000 |
operating lease liability | 32,041,000 | 32,165,000 | 27,042,000 | 33,595,000 | 40,987,000 | 67,956,000 | 35,712,000 | |||||||||||||||||||||||||||||||||||||||
deferred tax liabilities | 295,437,000 | 286,930,000 | 242,421,000 | 233,693,000 | 223,590,000 | 217,387,000 | 114,959,000 | 127,887,000 | 113,350,000 | 96,942,000 | 103,852,000 | 108,294,000 | 104,169,000 | 99,312,000 | 97,932,000 | 96,414,000 | 86,943,000 | 71,297,000 | 66,740,000 | 61,070,000 | 48,129,000 | 69,874,000 | 72,869,000 | 71,679,000 | 48,683,000 | 33,980,000 | 35,619,000 | 41,132,000 | 33,171,000 | 46,321,000 | 14,322,000 | 17,087,000 | 12,108,000 | 20,681,000 | 25,753,000 | 25,338,000 | 14,316,000 | 16,233,000 | 19,677,000 | 28,879,000 | 49,494,000 | 47,107,000 | 42,508,000 | 47,766,000 | 47,953,000 | 45,657,000 |
long-term debt | 4,498,381,000 | 4,106,471,000 | 3,963,514,000 | 3,757,351,000 | 3,563,482,000 | 3,293,735,000 | 3,194,121,000 | 3,040,867,000 | 2,943,805,000 | 2,442,784,000 | 2,297,026,000 | 2,314,381,000 | 2,258,660,000 | 2,059,577,000 | 1,840,665,000 | 1,696,751,000 | 1,384,399,000 | 1,075,380,000 | 1,028,488,000 | 874,514,000 | 946,461,000 | 863,472,000 | 906,588,000 | 1,091,732,000 | 991,181,000 | 873,744,000 | 785,504,000 | 791,908,000 | 857,929,000 | 951,091,000 | 762,831,000 | 754,650,000 | 788,542,000 | 765,395,000 | 638,749,000 | 631,117,000 | 649,911,000 | 635,179,000 | 588,824,000 | 594,414,000 | 553,267,000 | 494,690,000 | 494,516,000 | 494,347,000 | 494,181,000 | 494,021,000 |
total liabilities | 5,131,708,000 | 4,678,562,000 | 4,496,098,000 | 4,260,608,000 | 4,069,207,000 | 3,797,003,000 | 3,669,563,000 | 3,486,316,000 | 3,345,353,000 | 2,842,022,000 | 2,658,577,000 | 2,626,239,000 | 2,594,744,000 | 2,363,187,000 | 2,145,089,000 | 1,969,194,000 | 1,668,431,000 | 1,333,246,000 | 1,300,032,000 | 1,128,034,000 | 1,189,241,000 | 1,060,469,000 | 1,102,753,000 | 1,295,087,000 | 1,197,739,000 | 1,066,706,000 | 977,014,000 | 959,205,000 | 980,417,000 | 1,073,600,000 | 849,559,000 | 842,467,000 | 877,773,000 | 864,973,000 | 727,301,000 | 726,940,000 | 736,180,000 | 741,994,000 | 686,588,000 | 697,571,000 | 674,902,000 | 620,878,000 | 608,472,000 | 604,733,000 | 606,213,000 | 624,525,000 |
commitments and contingencies | ||||||||||||||||||||||||||||||||||||||||||||||
stockholders' equity: | ||||||||||||||||||||||||||||||||||||||||||||||
common stock, 0.00001 par value... | ||||||||||||||||||||||||||||||||||||||||||||||
preferred stock, 0.00001 par value... | ||||||||||||||||||||||||||||||||||||||||||||||
additional paid in capital | 370,078,000 | 359,054,000 | 346,926,000 | 337,679,000 | 328,268,000 | 318,223,000 | 308,481,000 | 298,191,000 | 284,256,000 | 274,053,000 | 266,058,000 | 258,806,000 | 251,878,000 | 245,092,000 | 239,187,000 | 233,437,000 | 225,689,000 | 217,051,000 | 211,548,000 | 203,765,000 | 187,981,000 | 74,868,000 | 71,100,000 | 67,440,000 | 63,791,000 | 61,477,000 | 56,910,000 | 51,638,000 | 48,175,000 | 44,657,000 | 39,335,000 | 32,671,000 | 29,781,000 | 26,749,000 | 23,753,000 | 20,766,000 | 18,446,000 | 16,338,000 | 14,073,000 | 11,892,000 | 9,924,000 | 6,835,000 | 4,210,000 | 2,006,000 | 294,000 | |
retained earnings | 2,006,143,000 | 1,927,162,000 | 1,846,848,000 | 1,770,699,000 | 1,697,754,000 | 1,634,059,000 | 1,590,645,000 | 1,536,734,000 | 1,488,306,000 | 1,453,538,000 | 1,412,253,000 | 1,364,108,000 | 1,313,185,000 | 1,262,313,000 | 1,210,605,000 | 1,158,204,000 | 1,105,761,000 | 1,057,111,000 | 1,005,563,000 | 925,386,000 | 849,466,000 | 618,775,000 | 525,108,000 | 477,082,000 | 372,681,000 | 423,234,000 | 396,149,000 | 371,086,000 | 336,415,000 | 327,744,000 | 312,440,000 | 294,215,000 | 264,695,000 | 257,812,000 | 261,180,000 | 249,307,000 | 235,455,000 | 226,741,000 | 218,904,000 | 210,716,000 | 200,853,000 | 196,672,000 | 192,255,000 | 181,391,000 | 156,861,000 | 134,975,000 |
accumulated other comprehensive loss | -9,500,000 | -7,872,000 | -8,853,000 | -10,782,000 | -13,691,000 | -9,422,000 | -10,749,000 | -7,234,000 | -6,264,000 | -7,203,000 | -5,988,000 | -7,337,000 | -5,990,000 | -7,255,000 | -7,481,000 | -5,074,000 | -8,540,000 | -8,185,000 | -6,011,000 | -8,498,000 | -6,898,000 | -8,547,000 | -8,599,000 | -7,807,000 | -3,066,000 | -17,158,000 | -14,774,000 | -12,251,000 | -13,805,000 | -12,468,000 | -10,905,000 | -4,322,000 | -7,086,000 | -7,017,000 | -9,069,000 | -10,440,000 | -11,578,000 | -9,692,000 | -8,447,000 | -4,758,000 | -4,622,000 | |||||
treasury stock | -1,029,997,000 | -994,669,000 | -956,266,000 | -900,946,000 | -815,407,000 | -764,167,000 | -740,849,000 | -677,480,000 | -526,115,000 | -459,357,000 | -422,993,000 | -394,824,000 | -372,928,000 | -353,923,000 | -334,230,000 | -308,617,000 | -229,858,000 | -133,041,000 | -117,439,000 | -115,787,000 | -113,201,000 | -111,401,000 | -111,389,000 | -98,501,000 | -56,793,000 | -33,582,000 | -31,832,000 | -31,259,000 | -23,017,000 | -7,265,000 | -7,225,000 | -6,831,000 | -5,703,000 | -2,739,000 | -1,296,000 | -1,160,000 | -624,000 | -302,000 | -249,000 | -245,000 | -187,000 | |||||
total stockholders' equity | 1,336,724,000 | 1,196,924,000 | 1,240,183,000 | 1,186,145,000 | 1,093,052,000 | 918,834,000 | 573,695,000 | 476,220,000 | 438,214,000 | 376,613,000 | 433,971,000 | 406,453,000 | 379,214,000 | 347,768,000 | 352,668,000 | 333,645,000 | 315,733,000 | 281,687,000 | 274,805,000 | 274,568,000 | 258,473,000 | 241,699,000 | 233,085,000 | 224,281,000 | 217,605,000 | 199,276,000 | 195,086,000 | 177,820,000 | 153,984,000 | |||||||||||||||||
total liabilities and stockholders' equity | 6,468,432,000 | 5,266,131,000 | 4,585,536,000 | 3,780,889,000 | 2,761,483,000 | 2,108,075,000 | 1,634,164,000 | 1,578,973,000 | 1,733,301,000 | 1,574,352,000 | 1,500,677,000 | 1,383,467,000 | 1,338,419,000 | 1,328,185,000 | 1,426,268,000 | 1,183,204,000 | 1,158,200,000 | 1,159,460,000 | 1,139,778,000 | 1,001,869,000 | 985,413,000 | 977,879,000 | 975,079,000 | 910,869,000 | 915,176,000 | 820,154,000 | 803,558,000 | 782,553,000 | 760,197,000 | |||||||||||||||||
operating lease right-of-use assets | 17,167,000 | 17,781,000 | 17,607,000 | 12,705,000 | 13,180,000 | 13,651,000 | 15,984,000 | 16,488,000 | 12,398,000 | 20,273,000 | 21,301,000 | 22,507,000 | 36,105,000 | 37,752,000 | 39,159,000 | 20,370,000 | 20,302,000 | 19,981,000 | 20,260,000 | 20,813,000 | 21,453,000 | |||||||||||||||||||||||||
liabilities and stockholders’ equity | ||||||||||||||||||||||||||||||||||||||||||||||
operating lease liabilities | 32,247,000 | 32,654,000 | 32,144,000 | 26,346,000 | 26,511,000 | 26,959,000 | 27,136,000 | 28,384,000 | 25,695,000 | 35,320,000 | 36,962,000 | 39,085,000 | 61,985,000 | 64,233,000 | 66,090,000 | 35,258,000 | 35,605,000 | 35,783,000 | 36,770,000 | 37,696,000 | 38,731,000 | |||||||||||||||||||||||||
stockholders’ equity: | ||||||||||||||||||||||||||||||||||||||||||||||
total stockholders’ equity | 1,283,675,000 | 1,228,655,000 | 1,196,650,000 | 1,178,693,000 | 1,147,528,000 | 1,150,211,000 | 1,261,031,000 | 1,249,330,000 | 1,220,753,000 | 1,146,227,000 | 1,108,081,000 | 1,077,950,000 | 1,134,253,000 | 1,094,757,000 | 1,005,608,000 | 205,968,000 | ||||||||||||||||||||||||||||||
total liabilities and stockholders’ equity | 5,962,237,000 | 5,724,753,000 | 5,457,258,000 | 4,975,696,000 | 4,817,091,000 | 4,636,527,000 | 4,103,053,000 | 3,907,907,000 | 3,846,992,000 | 3,509,414,000 | 3,253,170,000 | 3,047,144,000 | 2,467,499,000 | 2,394,789,000 | 2,133,642,000 | 880,870,000 | ||||||||||||||||||||||||||||||
total enova international, inc. stockholders’ equity | 1,146,227,000 | 1,108,081,000 | 1,077,950,000 | 1,132,936,000 | 1,093,661,000 | 1,004,866,000 | ||||||||||||||||||||||||||||||||||||||||
noncontrolling interest | 1,317,000 | 1,096,000 | 742,000 | 1,486,000 | ||||||||||||||||||||||||||||||||||||||||||
income taxes currently payable | 17,378,000 | 2,624,000 | 15,339,000 | 257,000 | 282,000 | 5,149,000 | 2,912,000 | 713,000 | 8,445,000 | 6,802,000 | ||||||||||||||||||||||||||||||||||||
total enova international, inc. stockholders' equity | 1,093,052,000 | 917,348,000 | ||||||||||||||||||||||||||||||||||||||||||||
loans and finance receivables | 1,062,650,000 | 1,001,154,000 | 892,582,000 | 815,856,000 | 859,946,000 | 838,783,000 | 750,131,000 | 703,076,000 | 704,705,000 | 637,736,000 | 563,996,000 | 515,463,000 | 561,550,000 | 542,865,000 | 489,990,000 | 428,202,000 | 434,633,000 | 380,805,000 | 317,454,000 | |||||||||||||||||||||||||||
loans and finance receivables at amortized cost | ||||||||||||||||||||||||||||||||||||||||||||||
assets from discontinued operations | ||||||||||||||||||||||||||||||||||||||||||||||
liabilities from discontinued operations | ||||||||||||||||||||||||||||||||||||||||||||||
restricted cash and cash equivalents | 29,460,000 | 29,866,000 | 26,636,000 | 25,610,000 | 26,306,000 | 39,272,000 | 34,601,000 | 20,908,000 | ||||||||||||||||||||||||||||||||||||||
deferred tax assets | 28,975,000 | 28,100,000 | 21,646,000 | 19,728,000 | 25,427,000 | 26,558,000 | ||||||||||||||||||||||||||||||||||||||||
related party payable | 13,369,000 | |||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive income | -4,231,000 | -1,379,000 | -5,577,000 | -3,171,000 | 938,000 | |||||||||||||||||||||||||||||||||||||||||
consumer loans | 279,055,000 | 323,611,000 | 303,694,000 | |||||||||||||||||||||||||||||||||||||||||||
prepaid expenses and other assets | 15,667,000 | 16,631,000 | 12,738,000 | |||||||||||||||||||||||||||||||||||||||||||
other liabilities | 105,000 | |||||||||||||||||||||||||||||||||||||||||||||
current assets: | ||||||||||||||||||||||||||||||||||||||||||||||
total current assets | 440,775,000 | 447,245,000 | ||||||||||||||||||||||||||||||||||||||||||||
current liabilities: | ||||||||||||||||||||||||||||||||||||||||||||||
total current liabilities | 64,079,000 | 84,742,000 | ||||||||||||||||||||||||||||||||||||||||||||
liabilities and stockholder’s equity | ||||||||||||||||||||||||||||||||||||||||||||||
stockholder’s equity: | ||||||||||||||||||||||||||||||||||||||||||||||
total stockholder’s equity | 135,913,000 | |||||||||||||||||||||||||||||||||||||||||||||
total liabilities and stockholder’s equity | 760,438,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 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 | 78,981,000 | 80,314,000 | 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 | 9,066,000 | 12,356,000 | 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 | 4,259,000 | 4,359,000 | 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 | 21,078,000 | 20,349,000 | 22,777,000 | 120,672,000 | 235,719,000 | ||||||||||||||||||||||||||||||||||||||||
stock-based compensation expense | 8,519,000 | 8,535,000 | 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 | ||
write-down of equity method investment | 0 | ||||||||||||||||||||||||||||||||||||||||||||
loss on early extinguishment of debt | 0 | 0 | -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 | 412,000 | 207,000 | 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 | 9,021,000 | 44,206,000 | 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 | 1,385,000 | 1,868,000 | -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, prepaid expenses and other assets | |||||||||||||||||||||||||||||||||||||||||||||
accounts payable and accrued expenses | 50,396,000 | 2,927,000 | 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 receivable/payable | |||||||||||||||||||||||||||||||||||||||||||||
net cash from operating activities | 498,811,000 | 481,802,000 | 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 |
capital expenditures | 0 | 0 | 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 | 498,811,000 | 481,802,000 | 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 | -2,098,379,000 | -1,809,480,000 | -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 | 1,307,264,000 | 1,215,679,000 | 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 | -11,696,000 | -11,345,000 | -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 | -802,811,000 | -605,146,000 | -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 | 567,000,000 | 453,000,000 | 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 | -513,000,000 | -392,000,000 | -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 | 635,660,000 | 227,000,000 | 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 | -296,877,000 | -148,157,000 | -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 | ||||||||||||||||
issuance of senior notes | 0 | 0 | 0 | ||||||||||||||||||||||||||||||||||||||||||
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 | -4,873,000 | -4,255,000 | -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 | 0 | 0 | -1,392,000 | -5,755,000 | -9,417,000 | 0 | -3,656,000 | -5,359,000 | ||||||||||||||||||||||||||||||||||
proceeds from exercise of stock options | 2,505,000 | 3,593,000 | 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 | -35,328,000 | -38,403,000 | -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 | 355,087,000 | 100,778,000 | 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 | 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 | ||||||||||||||||||||||||||||||||
net increase in cash, cash equivalents and restricted cash | 50,898,000 | -22,478,000 | 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 | 0 | 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 year | |||||||||||||||||||||||||||||||||||||||||||||
change in fair value of loans and finance receivables | 339,872,000 | 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 | ||||||||||||||||||||||||||||||||
other receivables and prepaid expenses and other assets | 1,640,000 | -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 | |||||||||||||||||||||||||||
current income taxes | -14,482,000 | 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 | |||||||||||||||||
effect of exchange rates on cash, cash equivalents and restricted cash | 88,000 | -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 | |||||||||||||||||||||
cash, cash equivalents and restricted cash at end of period | -22,478,000 | 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 | 135,627,000 | 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 | |||||||||||||||||||||||||||||||||||
loss on sale of subsidiary | 0 | 0 | |||||||||||||||||||||||||||||||||||||||||||
incomplete transaction costs | 0 | 0 | |||||||||||||||||||||||||||||||||||||||||||
sale of subsidiary | |||||||||||||||||||||||||||||||||||||||||||||
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 loss 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 | |||||||||||||||||||||||||
less: net income from discontinued operations | |||||||||||||||||||||||||||||||||||||||||||||
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 | 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 | |||||||||||||||||||||||||||||||||||||||||||||
add: net loss from discontinued operations | 9,000 | ||||||||||||||||||||||||||||||||||||||||||||
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 |