Enova International, Inc. (ENVA) quarterly cash flow statement — complete operating, investing & financing history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash from Operations | 474.54M | 498.81M | 481.8M | 447.36M | 391.14M | 430.52M | 398.55M | 360.94M | 348.56M | 314.29M | 271.24M | 299.32M | 282.02M | 269.14M | 232.69M | 238.63M | 153.54M | 146.71M | 105.23M | 102.9M |
| Operating CF Margin % | 54.22% | 59.43% | 60.02% | 58.55% | 52.46% | 59.01% | 57.77% | 57.44% | 57.15% | 53.85% | 49.2% | 59.93% | 58.36% | 55.36% | 51.01% | 58.49% | 39.8% | 40.35% | 32.87% | 38.87% |
| Operating CF Growth % | 21.32% | 15.86% | 20.89% | 23.94% | 12.22% | 36.98% | 46.94% | 20.59% | 23.6% | 16.78% | 16.57% | 25.43% | 83.68% | 83.45% | 121.13% | 131.91% | 31.2% | 24.71% | -24.72% | -55.44% |
| Net Income | 91.1M | 78.98M | 80.31M | 76.15M | 72.94M | 63.7M | 43.41M | 53.91M | 48.43M | 34.77M | 41.28M | 48.15M | 50.92M | 50.87M | 51.71M | 52.4M | 52.44M | 48.74M | 51.81M | 80.55M |
| Depreciation & Amortization | 0 | 9.07M | 12.36M | 10.35M | 10.06M | 10.2M | 10.04M | 9.71M | 10.26M | 9.03M | 9.95M | 8.63M | 10.54M | 8.5M | 11.27M | 7.58M | 9.51M | 12.37M | 8.91M | 7.46M |
| Stock-Based Compensation | 0 | 0 | 8.54M | 8.11M | 7.94M | 8.3M | 8.12M | 7.76M | 7.64M | 7.46M | 7.08M | 6.24M | 5.97M | 5.99M | 5.46M | 5.13M | 5.37M | 5.11M | 5.02M | 5.25M |
| Deferred Taxes | 0 | 0 | 44.21M | 8.14M | 9.19M | 7.52M | 102.16M | -11.5M | 14.54M | 16.1M | -6.51M | -5.17M | 4.13M | 4.59M | 1.72M | 2.33M | 8.4M | 15.73M | 5.21M | 4.93M |
| Other Non-Cash Items | 383.44M | 356.17M | 344.44M | 326.13M | 321.8M | 318.18M | 313.62M | 259.57M | 267.04M | 261.44M | 231.58M | 199.22M | 196.06M | 195.28M | 161.16M | 147.41M | 115.46M | 76.04M | 73.85M | 5.39M |
| Working Capital Changes | 0 | 54.6M | -8.05M | 18.48M | -30.79M | 22.63M | -78.8M | 41.49M | 652K | -14.52M | -12.14M | 42.26M | 14.4M | 3.91M | 1.37M | 23.78M | -37.64M | -11.28M | -39.57M | -673K |
| Change in Receivables | 0 | 0 | 3.51M | -13.26M | -5.33M | 2.35M | 716K | -15.77M | 12.95M | -21.49M | -30.84M | -15.48M | 27.87M | -20.08M | -941K | -17.99M | -4.3M | -2.54M | -18.56M | -10.51M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.65M | 0 | -17.71M | 9.02M | 0 | 33.75M | 10.84M | 0 | 0 |
| Change in Payables | 0 | 50.4M | 2.93M | 16.02M | -34.38M | 12.97M | 10.63M | 26.38M | -14.93M | 14.35M | -1.74M | 31.52M | -26M | 17.71M | -9.02M | 22.21M | -33.75M | 17.84M | 0 | 0 |
| Cash from Investing | -753.37M | -802.81M | -605.15M | -528.24M | -509.59M | -578.96M | -482.28M | -406.77M | -443.18M | -566.22M | -444.96M | -278.05M | -205.43M | -441.3M | -473.63M | -364.84M | -386.5M | -458.79M | -294.63M | -182.49M |
| Capital Expenditures | -10.75M | -11.7M | -11.35M | -11.22M | -12.88M | -10.18M | -10.93M | -11.09M | -11.22M | -11.81M | -12.78M | -10.27M | -10.38M | -10.34M | -9.98M | -13.19M | -10.12M | -7.64M | -7.63M | -7.3M |
| CapEx % of Revenue | 1.23% | 1.39% | 1.41% | 1.47% | 1.73% | 1.4% | 1.58% | 1.76% | 1.84% | 2.02% | 2.32% | 2.06% | 2.15% | 2.13% | 2.19% | 3.23% | 2.62% | 2.1% | 2.38% | 2.76% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.92M | 0 |
| Other Investing | -742.62M | -791.12M | -593.8M | -517.01M | -496.71M | -568.78M | -471.35M | -395.68M | -431.96M | -554.41M | -432.18M | -267.78M | -195.05M | -430.96M | -463.65M | -360.36M | -376.38M | -453.08M | -286.21M | -175.19M |
| Cash from Financing | 292.12M | 355.09M | 100.78M | 148.63M | 107.33M | 216.97M | 66.75M | 89.13M | -53.98M | 432.97M | 108.64M | -48.62M | 33.55M | 179.02M | 198.78M | 112.53M | 234.53M | 249.72M | 30.84M | 152.25M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | 0 | -32.82M | -38.4M | -55.32M | -85.54M | -51.24M | -23.32M | -63.37M | -151.37M | -66.76M | -36.36M | -28.17M | -21.9M | -19M | -19.69M | -25.61M | -78.76M | -96.82M | -15.6M | -1.65M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | -35.33M | -38.4M | -55.32M | -85.54M | -51.24M | -23.32M | -63.37M | -151.37M | -66.76M | -36.36M | -28.17M | -21.9M | -19M | -19.69M | -25.61M | -78.76M | -96.82M | -15.6M | -1.65M |
| Other Financing | 292.12M | 0 | -662K | -1.6M | -2.52M | -2.67M | -10.88M | -5.73M | 3.4M | -11.68M | -2.41M | -1.52M | -1.17M | -288K | 333K | -4.99M | 1.71M | 3.21M | -1.68M | -1.21M |
| Net Change in Cash | 13.49M | 50.9M | -22.48M | 67.59M | -10.81M | 68.29M | -16.93M | 42.38M | -148.51M | 181.12M | -65.34M | -26.73M | 109.99M | 6.26M | -41.62M | -14.09M | 1.96M | -62.26M | -159.02M | 72.95M |
| Free Cash Flow | 463.79M | 487.12M | 470.46M | 436.14M | 378.27M | 420.34M | 387.62M | 349.86M | 337.34M | 302.48M | 258.46M | 289.05M | 271.64M | 258.8M | 222.71M | 225.44M | 143.42M | 139.07M | 97.6M | 95.61M |
| FCF Margin % | 53% | 58.03% | 58.61% | 57.08% | 50.74% | 57.62% | 56.18% | 55.67% | 55.31% | 51.83% | 46.88% | 57.88% | 56.21% | 53.23% | 48.82% | 55.26% | 37.18% | 38.25% | 30.48% | 36.12% |
| FCF Growth % | 22.61% | 15.89% | 21.37% | 24.66% | 12.13% | 38.97% | 49.97% | 21.03% | 24.19% | 16.88% | 16.05% | 28.22% | 89.4% | 86.1% | 128.19% | 135.8% | 30.48% | 28.79% | -26.43% | -57.2% |
| FCF per Share | 17.60 | 18.48 | 17.77 | 16.12 | 13.96 | 15.19 | 13.99 | 12.52 | 11.43 | 9.79 | 8.10 | 8.98 | 8.30 | 7.93 | 6.76 | 6.73 | 4.11 | 3.73 | 2.57 | 2.51 |
| FCF Conversion (FCF/Net Income) | 5.21x | 6.32x | 6.00x | 5.87x | 5.36x | 6.76x | 9.18x | 6.70x | 7.20x | 9.04x | 6.57x | 6.22x | 5.54x | 5.29x | 4.50x | 4.55x | 2.93x | 3.02x | 2.04x | 1.28x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |