ENVA FY 2012 Earnings Report — Enova International, Inc. Revenue & Financial Results | Market Cap Arena

Enova International, Inc.ENVA

FY 2012 Earnings

Reported December 30, 2012

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2012	Prior Q	FY 2011	QoQ Change	YoY Change
Revenue	$661M	—	$480M	—	37.6%
Op. Income	$114M	—	$76M	—	49.7%
Gross Margin	53.2%	—	54.4%	—	-1.2pp
Net Margin	8.9%	—	7.7%	—	1.2pp
EPS (Diluted)	$1.78	—	$1.12	—	58.9%
Free Cash Flow	$358M	—	$243M	—	47.3%

Revenue Flow

Item	Amount
REVENUE	$661M
Cost of Revenue	$309M
GROSS PROFIT	$351M
R&D Expenses	$0
Selling & Marketing	$109M
General & Administrative	$73M
SG&A Expenses	$182M
Other Expenses	$56M
Operating Expenses	$237M
Cost & Expenses	$547M
OPERATING INCOME	$114M
Interest Income	$0
Interest Expense	$21M
Other Income/Expenses	-$21M
INCOME BEFORE TAX	$93M
Income Tax Expense	$34M
Net Income from Continuing Ops	$59M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$59M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$59M
D&A	$13M
EBIT	$93M
EBITDA	$106M
EPS	$2
EPS Diluted	$2

Income Statement

Item	Amount
REVENUE	$661M
Cost of Revenue	$309M
GROSS PROFIT	$351M
R&D Expenses	$0
Selling & Marketing	$109M
General & Administrative	$73M
SG&A Expenses	$182M
Other Expenses	$56M
Operating Expenses	$237M
Cost & Expenses	$547M
OPERATING INCOME	$114M
Interest Income	$0
Interest Expense	$21M
Other Income/Expenses	-$21M
INCOME BEFORE TAX	$93M
Income Tax Expense	$34M
Net Income from Continuing Ops	$59M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$59M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$59M
D&A	$13M
EBIT	$93M
EBITDA	$106M
EPS	$2
EPS Diluted	$2

Cash Flow Statement

Item	Amount
Net Income	$59M
Depreciation & Amortization	$13M
Stock-Based Compensation	$146.0K
Deferred Income Tax	-$2M
Other Non-Cash Items	$309M
Change in Working Capital	-$4M
OPERATING CASH FLOW	$376M
Capital Expenditure	-$18M
Acquisitions (Net)	$0
Purchases of Investments	-$1M
Sales/Maturities of Investments	$0
Other Investing Activities	-$347M
NET CASH FROM INVESTING	-$366M
Net Debt Issuance	$0
Common Stock Repurchased	$0
Common Dividends Paid	$0
Other Financing Activities	-$9M
NET CASH FROM FINANCING	-$9M
FREE CASH FLOW	$358M
Net Change in Cash	$3M

Balance Sheet

Item	Amount
Cash & Equivalents	$38M
Short-Term Investments	$0
Net Receivables	$228M
Inventory	$0
Other Current Assets	$32M
TOTAL CURRENT ASSETS	$309M
PP&E (Net)	$42M
Goodwill	$256M
Intangible Assets	$168.0K
Long-Term Investments	$0
Tax Assets	$0
Other Non-Current Assets	$6M
TOTAL NON-CURRENT ASSETS	$304M
TOTAL ASSETS	$613M
Account Payables	$16M
Short-Term Debt	$428M
Deferred Revenue	$4M
Other Current Liabilities	$0
TOTAL CURRENT LIABILITIES	$476M
Long-Term Debt	$428M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$40M
Other Non-Current Liabilities	-$428M
TOTAL NON-CURRENT LIABILITIES	$40M
TOTAL LIABILITIES	$515M
Common Stock	$0
Additional Paid-In Capital	$0
Retained Earnings	$97M
Treasury Stock	$0
Accum. Other Comp. Income	$734.0K
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$97M
Minority Interest	$0
TOTAL EQUITY	$97M
TOTAL LIABILITIES & EQUITY	$613M
Total Debt	$856M
Net Debt	$818M