Enova International, Inc. (ENVA) FY2026 Q2 Statement of Cash Flows
2026-04-01 to 2026-06-30
Statement of Cash Flows
2026-04-01 to 2026-06-30
Swipe to see the full flow
Chart details
Enova International, Inc. cash flow reconciliation, Apr 1, 2026 through Jun 30, 2026
Cash flows for Apr 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash, including disposal groups and discontinued operations. Beginning cash: Mar 31, 2026. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.
- Beginning cash on Mar 31, 2026
- 421,356,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash, including disposal groups and discontinued operations
- Operating activities
- 544,034,000 US dollars. Net cash provided.
- Stock-based compensation expense
- 8,747,000 US dollars
- Operating leases, net
- 415,000 US dollars
- Current income taxes
- 17,070,000 US dollars
- Net income
- 105,058,000 US dollars
- Amortization of deferred loan costs and debt discount
- 4,299,000 US dollars
- Deferred income taxes, net
- 15,663,000 US dollars
- Change in fair value of loans and finance receivables
- 358,786,000 US dollars
- Accounts payable and accrued expenses
- 43,900,000 US dollars
- Finance and service charges on loans and finance receivables
- negative 14,128,000 US dollars
- Other receivables and prepaid expenses and other assets
- negative 4,194,000 US dollars
- Depreciation and amortization
- 8,418,000 US dollars
- Investing activities
- negative 657,966,000 US dollars. Net cash used.
- Loans and finance receivables originated or acquired
- negative 2,139,977,000 US dollars
- Loans and finance receivables repaid
- 1,494,625,000 US dollars
- Capitalization of software development costs and purchases of fixed assets
- negative 12,614,000 US dollars
- Financing activities
- 158,291,000 US dollars. Net cash provided.
- Borrowings under revolving line of credit
- 514,000,000 US dollars
- Repayments under revolving line of credit
- negative 545,000,000 US dollars
- Borrowings under securitization facilities
- 234,674,000 US dollars
- Repayments under securitization facilities
- negative 25,233,000 US dollars
- Debt issuance costs paid
- negative 1,734,000 US dollars
- Proceeds from exercise of stock options
- 1,364,000 US dollars
- Treasury shares purchased
- negative 19,780,000 US dollars
- Operating adjustment reconciliation
- 457,298,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
- financing gross reconciliation
- 750,038,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- investing gross reconciliation
- 2,152,591,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- Exchange-rate effect
- negative 503,000 US dollars
- Ending cash on Jun 30, 2026
- 465,212,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash, including disposal groups and discontinued operations
- Cash sources and uses
- 1,123,681,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
- Net cash change
- 43,856,000 US dollars. Ending cash minus beginning cash.
- Cash flow / Net income
- 5.18×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.
- Operating cash flow
- 544,034,000 US dollars. Operating cash flow used in the free cash flow calculation.
- cash spent on productive assets
- 12,614,000 US dollars. These cash purchases are already included in investing activities above.
- Free cash flow
- 531,420,000 US dollars. A supplemental measure; finance-lease payments are excluded from this definition.
Chart connections
- Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
- Financing contributions meet at a reconciliation junction before connecting to the net cash total.
- Investing contributions meet at a reconciliation junction before connecting to the net cash total.
- Operating reconciliation adjustments are not all independent cash receipts.
- Net income enters operating cash directly in the reconciliation. The adjustment junction contributes the remaining $438.98M after reconciling the other positive and negative adjustments. These connections depict an accounting reconciliation, not traced cash receipts.
- Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
- The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
- Operating cash flow minus cash spent on productive assets equals free cash flow: 544,034,000 US dollars minus 12,614,000 US dollars equals 531,420,000 US dollars.
Free to share unchanged, with credit to Plicit.ai · CC BY-NC-ND 4.0Download PNG
Product waitlist
Health Check and Teardown for your own company
A health check uncovers insights of your private books, not a public ticker. Join this list to get notified as soon as we go-live!