Enova International, Inc. (ENVA) financial statements (2022 and earlier)
Company profile
| Business Address |
175 WEST JACKSON BLVD. CHICAGO, IL 60604 |
| State of Incorp. | DE |
| Fiscal Year End | December 31 |
| SIC | 6141 - Personal Credit Institutions (benchmarking) |
| More info | Complete financial analysis Financial benchmarking |
Balance sheet (Statement of financial position) ($ in millions)
| 12/31/2021 | 12/31/2020 | 12/31/2019 | 12/31/2018 | 12/31/2017 | 12/31/2016 | 12/31/2015 | |||
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| Current Assets | |||||||||
| Cash, cash equivalents, and short-term investments | 165 | 297 | 36 | 53 | 69 | 40 | 42 | ||
| Cash and cash equivalents | 165 | 297 | 36 | 53 | 69 | 40 | 42 | ||
| Total current assets: | 165 | 297 | 36 | 53 | 69 | 40 | 42 | ||
| Noncurrent Assets | |||||||||
| Operating lease, right-of-use asset | 23 | 40 | 20 | ✕ | ✕ | ✕ | ✕ | ||
| Property, plant and equipment | 78 | 79 | 55 | 50 | 49 | 47 | 48 | ||
| Long-term investments and receivables | 7 | 7 | 7 | ||||||
| Long-term investments | 7 | 7 | 7 | ||||||
| Intangible assets, net (including goodwill) | 315 | 294 | 269 | 270 | 271 | 272 | 274 | ||
| Goodwill | 279 | 268 | 267 | 267 | 267 | 267 | 267 | ||
| Intangible assets, net (excluding goodwill) | 35 | 26 | 2 | 3 | 4 | 5 | 7 | ||
| Regulated entity, other noncurrent assets | 11 | ||||||||
| Total noncurrent assets: | 416 | 414 | 343 | 320 | 327 | 326 | 340 | ||
| Other undisclosed assets | 2,180 | 1,397 | 1,195 | 955 | 764 | 612 | 499 | ||
| TOTAL ASSETS: | 2,761 | 2,108 | 1,574 | 1,328 | 1,159 | 978 | 881 | ||
| LIABILITIES AND EQUITY | |||||||||
| Liabilities | |||||||||
| Current Liabilities | |||||||||
| Accounts payable and accrued liabilities, including: | 72 | ||||||||
| Accounts payable | 26 | ||||||||
| Accrued liabilities | 0 | ||||||||
| Employee-related liabilities | 8 | ||||||||
| Interest and dividends payable | 4 | ||||||||
| Other undisclosed accounts payable and accrued liabilities | 34 | ||||||||
| Total current liabilities: | 72 | ||||||||
| Noncurrent Liabilities | |||||||||
| Liabilities, other than long-term debt | 87 | 48 | 49 | ||||||
| Deferred income tax liabilities | 87 | 48 | 49 | ✕ | ✕ | ✕ | ✕ | ||
| Total noncurrent liabilities: | 87 | 48 | 49 | ||||||
| Other undisclosed liabilities | 1,581 | 1,141 | 1,149 | 980 | 878 | 736 | 603 | ||
| Total liabilities: | 1,668 | 1,189 | 1,198 | 980 | 878 | 736 | 675 | ||
| Stockholders' equity | |||||||||
| Stockholders' equity attributable to parent | 1,093 | 917 | 377 | 348 | 282 | 242 | 206 | ||
| Treasury stock, value | (230) | (113) | (57) | (23) | (6) | (1) | (0) | ||
| Additional paid in capital | 226 | 188 | 64 | 48 | 30 | 18 | 10 | ||
| Accumulated other comprehensive loss | (9) | (7) | (3) | (14) | (7) | (12) | (5) | ||
| Retained earnings | 1,106 | 849 | 373 | 336 | 265 | 235 | 201 | ||
| Stockholders' equity attributable to noncontrolling interest | 1 | ||||||||
| Total stockholders' equity: | 1,093 | 919 | 377 | 348 | 282 | 242 | 206 | ||
| TOTAL LIABILITIES AND EQUITY: | 2,761 | 2,108 | 1,574 | 1,328 | 1,159 | 978 | 881 | ||
Income statement (P&L) ($ in millions)
| 12/31/2021 | 12/31/2020 | 12/31/2019 | 12/31/2018 | 12/31/2017 | 12/31/2016 | 12/31/2015 | ||
|---|---|---|---|---|---|---|---|---|
| Revenues | 1,208 | 1,084 | 1,175 | 1,114 | 844 | 746 | 653 | |
| Net investment income | 1,192 | 1,076 | 1,172 | 1,113 | 843 | 744 | ||
| Cost of revenue | (603) | (571) | (397) | (328) | (217) | |||
| Other undisclosed gross profit | (184) | (400) | ||||||
| Gross profit: | 1,024 | 684 | 572 | 543 | 447 | 418 | 436 | |
| Operating expenses | (611) | (326) | (324) | (360) | (313) | (296) | ||
| Operating income: | 413 | 358 | 248 | 183 | 134 | 121 | 436 | |
| Nonoperating income (expense) | (2) | 165 | (0) | (2) | 0 | 2 | ||
| Investment income, nonoperating | 164 | |||||||
| Foreign currency transaction gain (loss), before tax | (0) | 1 | (0) | (2) | 0 | 2 | ||
| Other nonoperating expense | (2) | |||||||
| Interest and debt expense | (77) | (88) | (2) | (25) | (23) | |||
| Income from continuing operations before equity method investments, income taxes: | 334 | 435 | 246 | 156 | 112 | 123 | 436 | |
| Income from equity method investments | 3 | 1 | 44 | |||||
| Other undisclosed loss from continuing operations before income taxes | (76) | (79) | (74) | (66) | (409) | |||
| Income from continuing operations before income taxes: | 337 | 435 | 170 | 76 | 38 | 57 | 71 | |
| Income tax expense | (80) | (57) | (42) | (6) | (9) | (23) | (27) | |
| Income before gain (loss) on sale of properties: | 257 | 378 | 128 | 70 | 29 | 35 | 44 | |
| Other undisclosed net loss | (0) | (91) | ||||||
| Net income: | 257 | 378 | 37 | 70 | 29 | 35 | 44 | |
| Net loss attributable to noncontrolling interest | (1) | (0) | ||||||
| Net income available to common stockholders, diluted: | 256 | 378 | 37 | 70 | 29 | 35 | 44 | |
Comprehensive Income ($ in millions)
| 12/31/2021 | 12/31/2020 | 12/31/2019 | 12/31/2018 | 12/31/2017 | 12/31/2016 | 12/31/2015 | ||
|---|---|---|---|---|---|---|---|---|
| Net income: | 257 | 378 | 37 | 70 | 29 | 35 | 44 | |
| Other comprehensive income (loss) | (2) | (4) | 11 | (7) | 4 | (7) | (1) | |
| Comprehensive income: | 255 | 374 | 47 | 63 | 34 | 28 | 43 | |
| Comprehensive income (loss), net of tax, attributable to noncontrolling interest | 0 | (0) | ||||||
| Comprehensive income, net of tax, attributable to parent: | 256 | 374 | 47 | 63 | 34 | 28 | 43 | |
Statements sources
The financial statements are based on the company's filings with the The U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.