Enova International, Inc. · NYSE:ENVA
Enova International — Investor Presentation (November 2014)
21 slides from Enova International's investor presentation, Nov 12, 2014
Slide 1: Investor Presentation November 2014
Exhibit 99.1 Investor Presentation November 2014
Slide 2: Safe Harbor Statement and Non-GAAP Information
Safe Cautionary This (“Enova” business, indicated filings SEC Company “believes,” cautions Non-GAAP In consumer and their viewing Management GAAP information 2theaddition appendix. taxes Harbor presentation onwith consolidated July aspects you financial by (“Adjusted or loans cannot to “estimates,”
Slide 3: Company Highlights
Company Proven Proprietary Large Strong Superior 3Experienced, Addressable Cash Technology Financials Highlights Online Flow Successful Reinvested Market Model and withAnalytics Leadership Strong Enables withinRobust Growth Growth with Rapid Team10 Global inExpansion Years Revenues Trends of Data at
Slide 4: Mission: serving underserved customers with technology
Mission low Storefronts Store “Subprime” advanced scalable legacy Banks “Prime” Enova middle-aged Employed middle 4many tech Fronts have focus Customers technology class online is customers, limited technology bank to attended customers on focus income limited Fill model account products the regulat
Slide 5: Large Addressable Market
Large 68M1 $39B2 unsecured underserved 4M4 (Enova estimated 321$19B5 4£2.5 5Bureau 2013 “2012 Enova Brazil billion Online 7M $9B FDIC has of personal Financially estimates potential China 3loan served ($4.0 individuals National Lending volume and loan billion) based for 2M+) 65k) unsecured Underserv
Slide 6: Three Core Credit Products
Three2007 Short-Term Single 2004 Installment Fully Term: certain Average Lines Borrow increments available 6Note: amortizing of time Core Generally payment loans as Credit loan draw credit often period 2009 up Loans Products up size: size: toTerm: limits loans to as 2009 2—12 12—36 customers_ instal
Slide 7: Online Model Advantages
Online No invest Centralized sophisticated Top hiring Product For no Privacy apply Convenience rapid Speed product 7Flexibility standing Stores Enova Borrowers Talent response funding anytime Tech/Analytics inModel choice Development tech Analytics inunderwriting and directly Has line and to to mark
Slide 8: Online Lending Process
Online 1. Easy-to-complete Multi-stage 2. Decisioning Advanced 3. Accept Funding 4. Multi-Channel U.S. 8Proprietary Apply Accept Underwrite Service based Lending agreements via &Analytics in-house Systems Screening ACH Fund in 3Service istoidentity, by Simple reviewed 6service massive tailored next
Slide 9: Focused Strategy to Drive Growth
Focused 9S Drive with Execution Diversify Products Innovate trategy Technology efficient on andKey Geographies Internal Strategies and Analytics Functions
Slide 10: Execute: Online Marketing
Execute: online U.S. 2009 55.9% Direct 32.1% Affiliate 1.3% Brand 11.5% focus responsive Mobile Media data Marketing evaluates Campaign key 10 applications is and 20142 Affiliate on Marketing Lead search and combined 66.6% Phone Lead brand U.K. Multi-Channel marketing Optimization Analytics Purchasi
Slide 11: Execute: Enova Analytics and Underwriting
Execute: Enova 450 Jan 60% 70% 80% 90% 100% Loan Net powerfully Proprietary more Predictive up Robust 50+ Flexible 11 toFeb Charge-off person ten Loss predictive Loan Customer Mar Data different Provision assesses analytics Balance Apr Analytics % than Service May scorecards identity, FICO % group O
Slide 12: Execute: Customer Satisfaction
Execute: Enova Satisfaction Jan 60% 70% 80% 90% 100% Aug Jul Satisfied Customer U.S. 24/7 Centers High average Analytics customer Best onboarding, 12 Feb Sep multi-channel Practices based Service Customer Mar wait Oct Customer with interactions—time Drive service In-House 2013 soft Apr times Nov Lev
Slide 13: Diversify: Brand, Product and Geography
Diversify: 32 2004 Founded Brand Year 2007 2010 20094Provinces Australia All 2009 [Graphic States 2012 Lines Revenue Results 9_09 Line 33% 98% Short-Term 30% 0%2% Installment 44% Geography 56% 84% U.S. 16% International 1Product 37% Credit Product 13Months States U.K. Revenue ofof and Credit by Appe
Slide 14: Innovate: Established Products and Pipeline
Innovate: Established 118% $70 Loan $80 $90 $100 Pounds $30 QuickQuid $40 $50 $60 Short-Term Revenue & $20 132% Product $0 $10 Corporate 14 product U.K. Line April Short China Brazil Installment June July U.S. Pilot LOC2014 Small _Thin of 2014 Start Startest. Product Near 2014 Term CAGR Credit to la
Slide 15: Proactive Compliance and Regulatory Environment
Proactive, Compliance Regulatory National Primary Australia expected of the Brazil in Canada subject Total China 2015 legislatures State regulators FCA unlicensed lenders 1term Licensed 15 Central changes As early 4/1/14) Consumer of positive credit ultimately regulations and Cost _to providing Sept
Slide 16: Financial Highlights
Financial Consistent Generated months Completed Strong See Net 16 Reconciliation leverage balance September Highlights $140 and $500 defined strong sheet million million 30, ofwith as Non-GAAP history 20141 Debt of issuance $104 free less ofcash million growth Cash, of Financial flow senior in divid
Slide 17: History of Consistent Growth
History Total $1,000 900 $225 800 $661 600 700 500 $(Millions) 200 $47 0100 2009 9/30/14 EPS Note: 17 $0 300 $824 $765 150 $480 50 25 $0.54 175 2010 Revenue Margins $223 $255 of 9/30/14 $131 400 200 $162 125 Revenue $0.75 2011 ( $378 75 Adjusted are 2012 $1.12 $63 calculated Millions) and2013 $1.78
Slide 18: Scalable Business Model
Scalable Enova $900 $800 $700 Millions) $500 ($600 $200 $300 2009 $0 $100 21Loans 18 $Operations Gross $400 5Outstanding1 increase 200% 135% 2010 Key Yr loan Business 253% % 2011 Metrics balances and2012 technology, Model Five Revenue 2013 outstanding Year Provides and O&T Trends general include Ope
Slide 19: Appendix
Appendix gS enova.
Slide 20: Reconciliation of Non-GAAP Financial Measures
Reconciliation Net Regulatory Withdrawn Interest Provision Depreciation Foreign Adjusted for ($ Cash Consumer Purchases Free (1) (2) 20 millions) tax Represents income Cash cash flow purposes. expense, currency EBITDA flow for of Flow from loans penalty IPO $9/30/14 2009 property and income 17.7 the
Slide 21: Thank You
vizZ pd. Lum ACCOUNTABLE Po ae FOR RESULTS 3 ANSWER ENT WINS VORK AC OPERATE 2 SOAR er BEST
Enova International — Investor Presentation (November 2014) on 6ix