NYSE$ENVA

Enova International Inc · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Reported a 37% increase in revenue and diluted earnings per share of $0.18.

Enova International reported a 37% increase in revenue to $362 million for the first quarter of 2020. Diluted earnings per share were $0.18, and adjusted earnings per share were $0.26. The company is adapting to changes in the current environment due to the COVID-19 pandemic and has withdrawn its full year 2020 guidance.

  • First quarter revenue increased by 37% year-over-year to $362 million.
  • Net income from continuing operations was $6 million, or $0.18 per diluted share.
  • Adjusted earnings per share were $0.26.
  • Loans and finance receivables outstanding grew 31% year-over-year to $1.15 billion.

Headline financials

Total Revenue

$362M

Previous: $293M+23.6%
EPS (adj)

$0.26

Previous: $1.16-77.6%
Capital Expenditures

-$5.16M

Previous: -$4.88M-5.6%
Free Cash Flow

$304K

Previous: $30.1M-99.0%
Net Income

$5.46M

Previous: $35M-84.4%
Operating Income

$29.1M

Previous: $67.1M-56.7%
Gross Profit

$127M

Previous: $154M-17.9%
Cash & Equivalents

$161M

Previous: $92.8M+73.5%
Total Assets

$1.73B

Previous: $1.34B+29.5%
Stock-Based Comp

$3.46M

Previous: $3.07M+12.6%

Revenue & EPS history

Enova · Revenue · Quarterly

$362M

Q1 2020+23.6%vs Q1 2019
Beat estimate in 14 of 16 quarters(88%)
ActualEstimate

Revenue by segment

Enova · $203M total across 1 segment · Q3 2020

  • Company owned revenue
    $203M-21.5%

Forward guidance

Enova is not providing guidance for the second quarter of 2020 and is withdrawing its full year 2020 guidance that was issued on January 29, 2020 due to the economic uncertainty resulting from the COVID-19 pandemic.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+2.6%

Avg return

Earnings day

+3.1%

Avg return

5 days after

+4.9%

Avg return

30 days after

59%

30 / 51 earnings

Positive

+30.7%

Q1 2018

Best reaction

-20.9%

Q3 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.6%-0.5%-7.0%
Q4 2025+0.3%+9.3%-11.8%
Q3 2025+10.1%+6.4%+8.9%
Q2 2025-2.8%-2.2%+4.6%
Q1 2025-7.8%-6.0%-6.9%
Q4 2024+1.6%+0.7%-19.0%
Q3 2024+2.3%-0.7%+18.4%
Q2 2024+5.5%+11.3%+12.1%
Q1 2024+3.8%+3.3%-3.7%
Q4 2023-7.7%-8.5%+7.2%
Q3 2023-20.9%-12.9%-11.4%
Q2 2023-1.2%-3.7%-11.0%
Q1 2023-14.3%-9.6%-4.6%
Q4 2022+14.9%+13.1%+10.8%
Q3 2022+15.9%+18.8%+23.7%
Q2 2022+2.1%-1.2%+6.7%
Q1 2022-0.4%-11.6%-16.8%
Q4 2021+5.7%+17.7%-0.3%
Q3 2021+4.5%+12.7%+25.3%
Q2 2021+2.6%-0.2%+4.5%
Q1 2021-4.1%-2.2%+6.1%
Q4 2020+16.4%+20.1%+45.9%
Q3 2020-1.1%-9.4%+30.8%
Q2 2020+11.9%+17.4%+25.4%
Q1 2020+21.8%-6.9%-2.7%
Q4 2019+10.8%-13.4%-20.5%
Q3 2019+8.5%+13.6%+7.4%
Q2 2019+11.6%+20.4%+6.9%
Q1 2019+17.8%+6.6%-11.4%
Q4 2018+2.8%+2.8%+7.6%
Q3 2018+7.8%+10.5%-3.1%
Q2 2018-15.8%-17.1%-5.3%
Q1 2018+30.7%+34.5%+44.8%
Q4 2017+13.1%+9.8%+22.6%
Q3 2017+3.1%+3.8%+4.5%
Q2 2017-7.3%-11.4%-27.4%
Q1 2017-3.1%+0.7%-8.5%
Q4 2016+6.7%+2.5%-2.1%
Q3 2016+6.2%+3.4%+33.1%
Q2 2016-1.0%+0.3%+11.8%
Q1 2016-2.6%
Q4 2015-2.3%
Q3 2015-8.3%
Q2 2015-8.7%
Q1 2014-2.6%
Q1 2015+2.6%
Q2 2014+5.7%
Q4 2012+5.7%
Q4 2014+5.7%
Q3 2014-5.2%
Q4 2013-5.2%
Q3 2013
Q2 2013
Q1 2013
Q4 2011
Q3 2011
Q4 2010
Q3 2010

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