ENVA FY 2020 Earnings Report — Enova International, Inc. Revenue & Financial Results | Market Cap Arena

Enova International, Inc.ENVA

FY 2020 Earnings

Reported February 26, 2021

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2020	Prior Q	FY 2019	QoQ Change	YoY Change
Revenue	$1.1B	—	$1.2B	—	-7.8%
Op. Income	$358M	—	$248M	—	44.2%
Gross Margin	55.1%	—	42.2%	—	12.9pp
Net Margin	34.9%	—	3.1%	—	31.7pp
EPS (Diluted)	$11.70	—	$3.72	—	214.5%
Free Cash Flow	$711M	—	$856M	—	-16.9%

Revenue Flow

Item	Amount
REVENUE	$1.1B
Cost of Revenue	$486M
GROSS PROFIT	$598M
R&D Expenses	$0
Selling & Marketing	$70M
General & Administrative	$141M
SG&A Expenses	$210M
Other Expenses	$29M
Operating Expenses	$240M
Cost & Expenses	$726M
OPERATING INCOME	$358M
Interest Income	$0
Interest Expense	$87M
Other Income/Expenses	$78M
INCOME BEFORE TAX	$435M
Income Tax Expense	$57M
Net Income from Continuing Ops	$378M
Net Income from Discontinued Ops	-$300.0K
Other Adjustments	$0
NET INCOME	$378M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$378M
D&A	$20M
EBIT	$271M
EBITDA	$291M
EPS	$12
EPS Diluted	$12

Income Statement

Item	Amount
REVENUE	$1.1B
Cost of Revenue	$486M
GROSS PROFIT	$598M
R&D Expenses	$0
Selling & Marketing	$70M
General & Administrative	$141M
SG&A Expenses	$210M
Other Expenses	$29M
Operating Expenses	$240M
Cost & Expenses	$726M
OPERATING INCOME	$358M
Interest Income	$0
Interest Expense	$87M
Other Income/Expenses	$78M
INCOME BEFORE TAX	$435M
Income Tax Expense	$57M
Net Income from Continuing Ops	$378M
Net Income from Discontinued Ops	-$300.0K
Other Adjustments	$0
NET INCOME	$378M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$378M
D&A	$20M
EBIT	$271M
EBITDA	$291M
EPS	$12
EPS Diluted	$12

Cash Flow Statement

Item	Amount
Net Income	$378M
Depreciation & Amortization	$20M
Stock-Based Compensation	$18M
Deferred Income Tax	$3M
Other Non-Cash Items	$247M
Change in Working Capital	$75M
OPERATING CASH FLOW	$741M
Capital Expenditure	-$29M
Acquisitions (Net)	$110M
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	$3M
NET CASH FROM INVESTING	$84M
Net Debt Issuance	-$479M
Common Stock Repurchased	-$56M
Common Dividends Paid	$0
Other Financing Activities	-$1M
NET CASH FROM FINANCING	-$536M
FREE CASH FLOW	$711M
Net Change in Cash	$288M

Balance Sheet

Item	Amount
Cash & Equivalents	$297M
Short-Term Investments	$0
Net Receivables	$1.3B
Inventory	$0
Other Current Assets	$72M
TOTAL CURRENT ASSETS	$1.7B
PP&E (Net)	$120M
Goodwill	$268M
Intangible Assets	$26M
Long-Term Investments	$0
Tax Assets	$0
Other Non-Current Assets	$44M
TOTAL NON-CURRENT ASSETS	$457M
TOTAL ASSETS	$2.1B
Account Payables	$27M
Short-Term Debt	$30M
Deferred Revenue	$2M
Other Current Liabilities	$39M
TOTAL CURRENT LIABILITIES	$156M
Long-Term Debt	$917M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$48M
Other Non-Current Liabilities	$0
TOTAL NON-CURRENT LIABILITIES	$1.0B
TOTAL LIABILITIES	$1.2B
Common Stock	$0
Additional Paid-In Capital	$188M
Retained Earnings	$849M
Treasury Stock	-$113M
Accum. Other Comp. Income	-$7M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$917M
Minority Interest	$1M
TOTAL EQUITY	$919M
TOTAL LIABILITIES & EQUITY	$2.1B
Total Debt	$1.0B
Net Debt	$717M