NYSE$ENVA
Enova International Inc · Q3 2020 earnings
Q3 2020 earnings · · Investor relations
Briefing
Enova reported strong earnings due to improved credit quality and efficient expense management.
Enova International reported strong earnings for Q3 2020, with net income from continuing operations increasing to $94 million, or $3.09 per diluted share, compared to $29 million, or $0.83 per diluted share, in Q3 2019. The company's financial performance reflects the strength and adaptability of its direct online-only business model and powerful credit risk management capabilities. Enova also completed the acquisition of On Deck Capital, Inc. on October 13.
- Diluted earnings per share from continuing operations and adjusted earnings per share more than tripled compared to a year ago.
- Consolidated portfolio delinquency and net charge-off rates were among the lowest in the company's history.
- Total company originations increased 56% from the second quarter to $140 million.
- Cash and marketable securities totaled $552 million, and available capacity on committed facilities totaled $332 million.
Headline financials
Revenue & EPS history
Enova · Revenue · Quarterly
$205M
Revenue by segment
Enova · $203M total across 1 segment · Q3 2020
- Company owned revenue$203M-21.5%100.0%
Forward guidance
Enova is not providing guidance for the fourth quarter of 2020 due to uncertainties related to the COVID-19 pandemic.
Headwinds
- Virus resurgences
- Changes in governmental restrictions
- Potential economic stimulus
- Employment stabilization
- Business reopenings
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 Q3 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
| Quarter | Report date | Reaction (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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