NYSE$ENVA

Enova International Inc · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Reported strong growth and profitability in Q1 2022.

Enova International reported a strong first quarter in 2022, with total revenue increasing 49% year-over-year to $386 million. Diluted earnings per share were $1.50, and adjusted earnings per share were $1.67.

  • Total revenue increased 6% sequentially and 49% year-over-year to $386 million.
  • Diluted earnings per share of $1.50 and adjusted earnings per share of $1.67.
  • Total company originations totaled $1.0 billion, more than double originations during the first quarter of 2021.
  • Consolidated portfolio net charge-offs as a percentage of average combined loan and finance receivables was 7.6%.

Headline financials

Total Revenue

$386M

Previous: $259M+48.7%
EPS (adj)

$1.67

Previous: $2.20-24.1%
Net revenue margin

69.7%

Previous: 91.9%-24.2%
Free Cash Flow

$52.4M

Previous: $68.8M-23.8%
Net Income

$52.4M

Previous: $75.9M-30.9%
Operating Income

$90.7M

Previous: $123M-26.5%
Gross Profit

$269M

Previous: $238M+12.7%
Cash & Equivalents

$132M

Previous: $324M-59.4%
Total Assets

$3.05B

Previous: $2.13B+42.8%
Stock-Based Comp

$5.37M

Previous: $5.8M-7.5%

Revenue & EPS history

Enova · Revenue · Quarterly

$386M

Q1 2022+48.7%vs Q1 2021
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

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

  • Company owned revenue
    $203M-21.5%

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 2022

Historical avgQ1 2022

+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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