Enova International, Inc. (ENVA) 10-K Annual Report February 2017

- Compared to a year ago, fourth quarter revenue grew 15.4% to $202.4 million, diluted earnings per share doubled to $0.26, and adjusted EBITDA grew 24% to $35.1 million

- Total loans outstanding grew 29.2% year over year during the fourth quarter, with near-prime installment loan portfolio balances increasing 39.6% year over year to $290.8 million

- Completed the expansion and extension of the company's securitization facilities

CHICAGO, Feb. 2, 2017 /PRNewswire/ -- Enova International (NYSE: ENVA), a technology and analytics driven online lender, today announced financial results for the quarter and year ended December 31, 2016.

"A solid fourth quarter, driven by strong demand and solid credit performance across all of our businesses, capped off a very good year for Enova," said Enova's CEO David Fisher. "Our six businesses, which include U.S. Subprime, U.S. Near-Prime, U.K. Consumer, U.S. Small Business, Brazil and Enova Decisions, continue to perform well. We see considerable opportunity to further expand our reach and grow our market share in each. The strength of Enova's proprietary analytics, extensive experience and high customer satisfaction give us confidence about our ability to continue our growth well into the future."

Fourth Quarter 2016 Summary

Total revenue of $202.4 million in the fourth quarter of 2016 increased 15.4% from $175.4 million in the fourth quarter of 2015.
Gross profit margin was 51.8% in the fourth quarter of 2016 compared to 59.4% in the fourth quarter of 2015, driven by stronger growth in the U.S. installment loan and receivables purchase agreements and a higher mix of new customers, which requires higher loan loss provisions. This higher provision due to strong growth and new customer volume was partially offset by good credit performance resulting in a lower net charge off rate on the total portfolio.
Net income of $8.7 million, or $0.26 per diluted share, in the fourth quarter of 2016 increased from $4.2 million, or $0.13 per diluted share, in the fourth quarter of 2015.
Fourth quarter 2016 adjusted EBITDA of $35.1 million, a non-GAAP measure, increased from $28.3 million in the fourth quarter of 2015.

Full Year 2016 Summary

Total revenue of $745.6 million in 2016 increased from $652.6 million in 2015.
Gross profit margin was 56.0% in 2016 compared to 66.8% in 2015.
Net income was $34.6 million, or $1.03 per diluted share, in 2016 compared to $44.0 million, or $1.33 per diluted share, in 2015.
Adjusted EBITDA was $142.3 million in 2016 compared to $155.7 million in 2015.

"We are very pleased with the company's performance in the fourth quarter and our financial position. Total revenue and adjusted EBITDA during the quarter were both at the high end of our guidance range. The business continues to generate strong operating cash flow, and we enhanced our liquidity in the quarter with the closing of an additional installment loan securitization facility," said Steve Cunningham, CFO of Enova.

Enova ended the fourth quarter of 2016 with unrestricted cash and cash equivalents of $39.9 million. As of December 31, 2016, the company had total debt outstanding of $649.9 million, which included $165 million outstanding under Enova's $295 million securitization facilities. During the fourth quarter, Enova generated $92.7 million of cash flow from operations.

Outlook
For the first quarter of 2017, Enova expects total revenue of $180 million to $200 million and Adjusted EBITDA of $35 million to $45 million. For the full year 2017, Enova expects total revenue of $810 million to $880 million and Adjusted EBITDA of $145 million to $175 million.

For information regarding the non-GAAP financial measures discussed in this release, please see "Non-GAAP Financial Measures" and "Reconciliation of GAAP to Non-GAAP Financial Measures" below.

Conference Call
Enova will host a conference call to discuss its results at 4 p.m. Central Time / 5 p.m. Eastern Time today, February 2, 2017. The live webcast of the call can be accessed at the Enova Investor Relations website at http://ir.enova.com, along with the company's earnings press release and supplemental financial information. The U.S. dial-in for the call is 1-855-560-2575 (1-412-542-4161 for non-U.S. callers). Please ask to be joined to the Enova International call. A replay of the conference call will be available until February 9, 2017, at 10:59 p.m. Central Time / 11:59 p.m. Eastern Time, while an archived version of the webcast will be available on the Enova Investor Relations website for 90 days. The U.S. dial-in for the conference call replay is 1-877-344-7529 (1-412-317-0088). The replay access code is 10098929.

About Enova
Enova (NYSE: ENVA) is a leading provider of online financial services to non-prime consumers and small businesses, providing access to credit powered by its advanced analytics, innovative technology, and world-class online platform and services. Enova has provided over four million customers around the globe access to more than $18 billion in loans and financing. The financial technology company has a portfolio of trusted brands serving consumers, including CashNetUSA®, NetCredit™, On Stride Financial®, Pounds to Pocket®, QuickQuid® and Simplic®; has two brands serving small businesses, Headway Capital® and The Business Backer™; and offers online lending platform services, on-demand decision-making technology and real-time predictive analytics services through Enova Decisions®. You can learn more about the company at www.enova.com.

Cautionary Statement Concerning Forward Looking Statements
This release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 about the business, financial condition and prospects of Enova. These forward-looking statements give current expectations or forecasts of future events and reflect the views and assumptions of Enova's senior management with respect to the business, financial condition and prospects of Enova as of the date of this release and are not guarantees of future performance. The actual results of Enova could differ materially from those indicated by such forward-looking statements because of various risks and uncertainties applicable to Enova's business, including, without limitation, those risks and uncertainties indicated in Enova's filings with the Securities and Exchange Commission ("SEC"), including our annual report on Form 10-K, quarterly reports on Forms 10-Q and current reports on Forms 8-K. These risks and uncertainties are beyond the ability of Enova to control, and, in many cases, Enova cannot predict all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this release, the words "believes," "estimates," "plans," "expects," "anticipates" and similar expressions or variations as they relate to Enova or its management are intended to identify forward-looking statements. Enova cautions you not to put undue reliance on these statements. Enova disclaims any intention or obligation to update or revise any forward-looking statements after the date of this release.

Non-GAAP Financial Measures
In addition to the financial information prepared in conformity with generally accepted accounting principles, or GAAP, Enova provides historical non-GAAP financial information. Management believes that presentation of non-GAAP financial information is meaningful and useful in understanding the activities and business metrics of Enova's operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of Enova's business that, when viewed with its GAAP results, provide a more complete understanding of factors and trends affecting its business.

Management provides non-GAAP financial information for informational purposes and to enhance understanding of Enova's GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of or superior to, Enova's financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.

Combined Loans and Finance Receivables
Enova has provided combined loans and finance receivables, which is a non-GAAP measure. Enova also reports allowances and liabilities for estimated losses on loans and finance receivables individually and on a combined basis, which are GAAP measures that are included in Enova's financial statements. Management believes these measures provide investors with important information needed to evaluate the magnitude of potential cost of revenue and the opportunity for revenue performance of the loan and finance receivables portfolio on an aggregate basis. Management believes that the comparison of the aggregate amounts from period to period is more meaningful than comparing only the residual amount on Enova's balance sheet since both revenue and the cost of revenue for loans and finance receivables are impacted by the aggregate amount of loans and finance receivables owned by Enova and those guaranteed by Enova as reflected in its financial statements.

Adjusted Earnings and Adjusted Earnings Per Share
In addition to reporting financial results in accordance with GAAP, Enova has provided adjusted earnings and adjusted earnings per share, or, collectively, the Adjusted Earnings Measures, which are non-GAAP measures. Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which provides a more complete understanding of Enova's financial performance, competitive position and prospects for the future. Management also believes that investors regularly rely on non-GAAP financial measures, such as the Adjusted Earnings Measures, to assess operating performance and that such measures may highlight trends in Enova's business that may not otherwise be apparent when relying on financial measures calculated in accordance with GAAP. In addition, management believes that the adjustments shown below are useful to investors in order to allow them to compare Enova's financial results during the periods shown without the effect of certain expense items.

Adjusted EBITDA
Adjusted EBITDA is a non-GAAP measure that Enova defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, taxes, stock-based compensation, acquisition-related costs, and lease termination and relocation costs, and Adjusted EBITDA margin is a non-GAAP measure that Enova defines as Adjusted EBITDA as a percentage of total revenue. Management believes Adjusted EBITDA and Adjusted EBITDA margin are used by investors to analyze operating performance and evaluate Enova's ability to incur and service debt and Enova's capacity for making capital expenditures. Adjusted EBITDA and Adjusted EBITDA margin are also useful to investors to help assess Enova's estimated enterprise value. The computation of Adjusted EBITDA and Adjusted EBITDA margin as presented below may differ from the computation of similarly-titled measures provided by other companies.

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(dollars in thousands, except per share data)
(Unaudited)

	December 31,
	2016		2015
Assets
Cash and cash equivalents	$	39,934	$	42,066
Restricted cash and cash equivalents (includes restricted cash of consolidated VIEs of $19,468 as of December 31, 2016)		26,306		7,379
Loans and finance receivables, net (includes loans and allowance for losses of consolidated VIEs of $234,497 and $17,731, respectively, as of December 31, 2016)		561,550		434,633
Income taxes receivable		—		5,503
Other receivables and prepaid expenses		19,524		20,049
Property and equipment, net		47,100		48,055
Goodwill		267,010		267,008
Intangible assets, net		5,404		6,540
Other assets		11,051		9,304
Total assets	$	977,879	$	840,537
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	$	71,671	$	72,141
Income taxes currently payable		282		—
Deferred tax liabilities, net		14,316		20,519
Long-term debt (includes long-term debt and debt issuance costs of consolidated VIEs of $165,419 and $1,869, respectively, as of December 31, 2016)		649,911		541,909
Total liabilities		736,180		634,569
Commitments and contingencies
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 33,364,525 and 33,151,088 shares issued and 33,293,100 and 33,121,594 outstanding as of December 31, 2016 and 2015, respectively		—		—
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding		—		—
Additional paid in capital		18,446		9,924
Retained earnings		235,455		200,853
Accumulated other comprehensive loss		(11,578)		(4,622)
Treasury stock, at cost (71,425 and 29,494 shares as of December 31, 2016 and 2015, respectively)		(624)		(187)
Total stockholders' equity		241,699		205,968
Total liabilities and stockholders' equity	$	977,879	$	840,537

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(in thousands, except per share data)
(Unaudited)

	Three Months Ended				Year Ended
	December 31,				December 31,
	2016		2015		2016		2015
Revenue	$	202,438	$	175,417	$	745,569	$	652,600
Cost of Revenue		97,545		71,138		327,966		216,858
Gross Profit		104,893		104,279		417,603		435,742
Expenses
Marketing		23,904		32,451		97,404		116,882
Operations and technology		23,496		19,856		85,202		74,012
General and administrative		21,209		26,791		97,956		102,073
Depreciation and amortization		3,560		4,190		15,564		18,388
Total Expenses		72,169		83,288		296,126		311,355
Income from Operations		32,724		20,991		121,477		124,387
Interest expense, net		(17,545)		(13,382)		(65,603)		(52,883)
Foreign currency transaction (loss) gain		(622)		202		1,562		(985)
Income before Income Taxes		14,557		7,811		57,436		70,519
Provision for income taxes		5,843		3,630		22,834		26,527
Net Income	$	8,714	$	4,181	$	34,602	$	43,992
Earnings Per Share:
Earnings per common share:
Basic	$	0.26	$	0.13	$	1.04	$	1.33
Diluted	$	0.26	$	0.13	$	1.03	$	1.33
Weighted average common shares outstanding:
Basic		33,237		33,024		33,192		33,006
Diluted		33,767		33,061		33,462		33,026

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW
(dollars in thousands)
(Unaudited)

	Year Ended December 31,
	2016		2015
Cash flows provided by operating activities	$	393,373	$	283,921
Cash flows used in investing activities
Loans and finance receivables		(450,149)		(322,811)
Change in restricted cash		(20,126)		—
Acquisitions		—		(17,735)
Property and equipment additions		(14,396)		(32,241)
Other investing activities		95		618
Total cash flows used in investing activities		(484,576)		(372,169)
Cash flows provided by financing activities		99,880		56,617
Effect of exchange rates on cash		(10,809)		(1,409)
Net decrease in cash and cash equivalents		(2,132)		(33,040)
Cash and cash equivalents at beginning of year		42,066		75,106
Cash and cash equivalents at end of period	$	39,934	$	42,066

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES
GEOGRAPHIC INFORMATION
(dollars in thousands)
The following table presents information on Enova's domestic and international operations for the three and twelve months ended December 31, 2016 and 2015.

	Three Months Ended
	December 31,
	2016			2015			$ Change			%Change
Domestic:
Revenue	$	173,891		$	144,108		$	29,783			20.7	%
Cost of revenue		87,194			63,828			23,366			36.6	%
Gross profit	$	86,697		$	80,280		$	6,417			8.0	%
Gross profit margin		49.9	%		55.7	%		(5.8)	%		(10.4)	%
International:
Revenue	$	28,547		$	31,309		$	(2,762)			(8.8)	%
Cost of revenue		10,351			7,310			3,041			41.6	%
Gross profit	$	18,196		$	23,999		$	(5,803)			(24.2)	%
Gross profit margin		63.7	%		76.7	%		(13.0)	%		(16.9)	%
Total:
Revenue	$	202,438		$	175,417		$	27,021			15.4	%
Cost of revenue		97,545			71,138			26,407			37.1	%
Gross profit	$	104,893		$	104,279		$	614			0.6	%
Gross profit margin		51.8	%		59.4	%		(7.6)	%		(12.8)	%

	Year Ended December 31,
	2016			2015			$ Change			%Change
Domestic:
Revenue	$	622,991		$	510,242		$	112,749			22.1	%
Cost of revenue		291,264			196,963			94,301			47.9	%
Gross profit	$	331,727		$	313,279		$	18,448			5.9	%
Gross profit margin		53.2	%		61.4	%		(8.2)	%		(13.4)	%
International:
Revenue	$	122,578		$	142,358		$	(19,780)			(13.9)	%
Cost of revenue		36,702			19,895			16,807			84.5	%
Gross profit	$	85,876		$	122,463		$	(36,587)			(29.9)	%
Gross profit margin		70.1	%		86.0	%		(15.9)	%		(18.5)	%
Total:
Revenue	$	745,569		$	652,600		$	92,969			14.2	%
Cost of revenue		327,966			216,858			111,108			51.2	%
Gross profit	$	417,603		$	435,742		$	(18,139)			(4.2)	%
Gross profit margin		56.0	%		66.8	%		(10.8)	%		(16.2)	%

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES
LOANS AND FINANCE RECEIVABLES FINANCIAL AND OPERATING DATA
(dollars in thousands)
The following table shows loans and finance receivables and related loan loss activity, which is based on loan and finance receivable balances, for the three and twelve months ended December 31, 2016 and 2015.

Three Months Ended December 31	2016			2015			Change
Cost of revenue	$	97,545		$	71,138		$	26,407
Charge-offs (net of recoveries)		92,661			68,557			24,104
Average combined loans and finance receivables, gross:
Company owned^(a)		633,089			472,230			160,859
Guaranteed by Enova^(a)(b)		30,802			34,882			(4,080)
Average combined loans and finance receivables, gross^(a)(c)	$	663,891		$	507,112		$	156,779
Ending combined loans and finance receivables, gross:
Company owned	$	660,495		$	501,955		$	158,540
Guaranteed by Enova^(b)		32,199			34,123			(1,924)
Ending combined loans and finance receivables, gross^(c)	$	692,694		$	536,078		$	156,616
Ending allowance and liability for losses	$	100,941		$	69,078		$	31,863
Combined originations^(d)	$	512,910		$	546,352		$	(33,442)

Loans and finance receivables ratios:
Cost of revenue as a % of average combined loans and finance receivables, gross^(a)(c)		14.7	%		14.0	%		0.7	%
Charge-offs (net of recoveries) as a % of average combined loans and finance receivables, gross^(a)(c)		14.0	%		13.5	%		0.5	%
Gross profit margin		51.8	%		59.4	%		(7.6)	%
Allowance and liability for losses as a % of combined loans and finance receivables, gross^(c)(e)		14.6	%		12.9	%		1.7	%
___________________

(a)	The average combined loans and finance receivables, gross, is the average of the month-end balances during the period.
(b)	Represents loans originated by third-party lenders through the credit services organization (or CSO) programs, which are not included in Enova's financial statements.
(c)	Non-GAAP measure. See the above discussion for additional information regarding combined loans and finance receivables.
(d)	Represents loans and finance receivables originated by Enova and third-party lenders through the CSO programs and includes renewals of existing origination agreements to customers in good standing. The disclosure is statistical data that is not included in Enova's financial statements.
(e)	Allowance and liability for losses as a percentage of combined loans and finance receivables, gross, is determined using period-end balances.

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES
RECONCILIATION OF GAAP TO NON-GAAP FINANCIAL MEASURES
(dollars in thousands, except per share data)
Adjusted Earnings Measures

	Three Months Ended						Year Ended
	December 31,						December 31,
	2016			2015			2016			2015
Net income^(a)	$	8,714		$	4,181		$	34,602		$	43,992
Adjustments:
Acquisition related costs^(b)		(3,300)			—			(3,300)			—
Lease termination and relocation costs^(c)		—			—			—			3,270
Intangible asset amortization		270			484			1,137			494
Stock-based compensation expense		2,108			3,089			8,522			9,630
Foreign currency transaction loss (gain)		622			(202)			(1,562)			985
Cumulative tax effect of adjustments		113			(1,354)			(1,907)			(5,373)

Adjusted earnings^(a)	$	8,527		$	6,198		$	37,492		$	52,998

Diluted earnings per share^(a)	$	0.26		$	0.13		$	1.03		$	1.33

Adjusted earnings per share^(a)	$	0.25		$	0.19		$	1.12		$	1.60

Adjusted EBITDA

	Three Months Ended						Year Ended
	December 31,						December 31,
	2016			2015			2016			2015
Net income^(a)	$	8,714		$	4,181		$	34,602		$	43,992
Depreciation and amortization expenses		3,560			4,190			15,564			18,388
Interest expense, net		17,545			13,382			65,603			52,883
Foreign currency transaction loss (gain)		622			(202)			(1,562)			985
Provision for income taxes		5,843			3,630			22,834			26,527
Stock-based compensation expense		2,108			3,089			8,522			9,630
Adjustments:
Acquisition related costs^(b)		(3,300)			—			(3,300)			—
Lease termination and relocation costs^(c)		—			—			—			3,270

Adjusted EBITDA^(a)	$	35,092		$	28,270		$	142,263		$	155,675

Adjusted EBITDA margin calculated as follows:
Total Revenue^(a)	$	202,438		$	175,417		$	745,569		$	652,600
Adjusted EBITDA^(a)		35,092			28,270			142,263			155,675
Adjusted EBITDA as a percentage of total revenue		17.3	%		16.1	%		19.1	%		23.9	%

___________________
(a)	Includes an out-of-period adjustment to correct the Company's revenue recognition policy in order to recognize line of credit draw fees over the period the draw is outstanding. The Company recorded a $2.5 million reduction to revenue ($1.6 million net of tax or $0.05 per diluted share) during the fourth quarter of 2015.
(b)	In the fourth quarter of 2016, the Company recorded a $3.3 million fair value adjustment ($2.0 million net of tax) to contingent consideration related to a prior year acquisition.
(c)	In May 2015, the Company relocated its headquarters and as a result incurred $3.5 million of facility cease-use charges ($2.2 million net of tax) consisting of remaining lease obligations and disposal costs on its prior headquarters. During the third quarter of 2015 the Company made adjustments to its lease termination costs.

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES
RECONCILIATION OF GAAP TO NON-GAAP FINANCIAL MEASURES
(dollars in thousands)

Estimated Adjusted EBITDA For 2017

The following table reconciles estimated Income from operations to Adjusted EBITDA, a non-GAAP measure:

	Estimated Results
	Three Months Ended March 31, 2017
	Low		High
	Unaudited
Income from operations		28,000		38,000
Depreciation and amortization		4,000		4,000
Stock-based compensation expense		3,000		3,000
Adjusted EBITDA	$	35,000	$	45,000

	Estimated Results
	Year Ended December 31, 2017
	Low		High
	Unaudited
Income from operations		118,000		148,000
Depreciation and amortization		17,000		17,000
Stock-based compensation expense		10,000		10,000
Adjusted EBITDA	$	145,000	$	175,000

CONTACT: Public Relations Contact: Caroline Vasquez, Email: media@enova.com or Investor Relations Contact: Monica Gould, Office: (212) 871-3927, Email: IR@enova.com

The following information was filed by Enova International, Inc. (ENVA) on Thursday, February 2, 2017 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-K Annual Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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Inside this 10-K Annual Report

Material Contracts, Statements, Certifications & more

Enova International, Inc. provided additional information to their SEC Filing as exhibits

Exhibit 4.7: Instruments Defining The Rights Of Security Holders, Including Indentures

Exhibit 4.11: Instruments Defining The Rights Of Security Holders, Including Indentures

Exhibit 4.12: Instruments Defining The Rights Of Security Holders, Including Indentures

Exhibit 4.13: Instruments Defining The Rights Of Security Holders, Including Indentures

Exhibit 10.37: Material Contract

Exhibit 10.38: Material Contract

Exhibit 21.1: Subsidaries Of The Registrant

Exhibit 23.1: Consents Of Experts And Counsel

Exhibit 31.1: Rule 13A-14(A)/15D-14(A) Certification

Exhibit 31.2: Rule 13A-14(A)/15D-14(A) Certification

Exhibit 32.1: Section 1350 Certification

Exhibit 32.2: Section 1350 Certification

Ticker: ENVA
CIK: 1529864
Form Type: 10-K Annual Report
Accession Number: 0001564590-17-002412
Submitted to the SEC: Fri Feb 24 2017 4:35:17 PM EST
Accepted by the SEC: Fri Feb 24 2017
Period: Saturday, December 31, 2016
Industry: Personal Credit Institutions

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Enova International, Inc. (ENVA) SEC Filing 10-K Annual report for the fiscal year ending Saturday, December 31, 2016

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