Enova International Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	308.39	209.45	175.12	207.42	256.3
Depreciation & Amortization	41.83	40.21	38.16	36.87	35.38
Other Amortization	-	15.79	10.12	5.7	6.22
Loss (Gain) From Sale of Investments	-	16.55	-	-	-
Asset Writedown & Restructuring Costs	-	1,119	879.35	612.15	180.17
Stock-Based Compensation	-	31.82	26.74	21.95	21.18
Change in Accounts Payable	-	35.05	18.14	-2.84	17.84
Change in Income Taxes	-	-49.33	47.16	50.91	-48.63
Change in Other Net Operating Assets	-	12.75	8.88	-24.34	-7.22
Other Operating Activities	1,469	119.59	7.37	14.11	30.6
Operating Cash Flow	1,819	1,539	1,167	894	471.87
Operating Cash Flow Growth	18.23%	31.86%	30.52%	89.46%	-36.31%
Capital Expenditures	-47.14	-43.42	-45.24	-43.63	-29.67
Cash Acquisitions	-	-	-	-	-29.15
Divestitures	-	-	-	8.71	1.93
Net Decrease (Increase) in Loans Originated / Sold - Investing	-2,399	-1,868	-1,449	-1,631	-923.49
Other Investing Activities	-	-	-	-	0.03
Investing Cash Flow	-2,446	-1,911	-1,495	-1,666	-980.37
Long-Term Debt Issued	-	2,970	1,833	966.66	849.27
Long-Term Debt Repaid	-	-2,346	-1,136	-95.49	-376.69
Net Debt Issued (Repaid)	-	624.04	696.51	871.17	472.58
Issuance of Common Stock	-	12.2	5.64	4.24	15.46
Repurchase of Common Stock	-	-289.29	-153.19	-143.07	-116.66
Other Financing Activities	711.82	-28.07	-22.42	-7.47	-6.23
Financing Cash Flow	711.82	318.88	526.54	724.87	365.15
Foreign Exchange Rate Adjustments	0.04	-1.03	0.29	-0.08	0.03
Net Cash Flow	85.2	-54.77	199.04	-47.48	-143.32
Free Cash Flow	1,772	1,495	1,122	850.37	442.19
Free Cash Flow Growth	18.52%	33.30%	31.90%	92.31%	-37.84%
Free Cash Flow Margin	118.85%	120.67%	108.36%	84.89%	46.66%
Free Cash Flow Per Share	66.18	53.02	35.14	25.40	11.72
Cash Interest Paid	-	274.12	182.41	108.01	71.1
Cash Income Tax Paid	-	-1.52	-3.11	-2.35	89.27

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.