0001564590-21-004517.txt : 20210205 0001564590-21-004517.hdr.sgml : 20210205 20210205163121 ACCESSION NUMBER: 0001564590-21-004517 CONFORMED SUBMISSION TYPE: 8-K/A PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20210204 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210205 DATE AS OF CHANGE: 20210205 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Enova International, Inc. CENTRAL INDEX KEY: 0001529864 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 453190813 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K/A SEC ACT: 1934 Act SEC FILE NUMBER: 001-35503 FILM NUMBER: 21596041 BUSINESS ADDRESS: STREET 1: 175 WEST JACKSON BLVD. STREET 2: SUITE 1000 CITY: CHICAGO STATE: IL ZIP: 60604 BUSINESS PHONE: 312-568-4200 MAIL ADDRESS: STREET 1: 175 WEST JACKSON BLVD. STREET 2: SUITE 1000 CITY: CHICAGO STATE: IL ZIP: 60604 8-K/A 1 enva-8ka_20210204.htm 8-K/A enva-8ka_20210204.htm
true 0001529864 0001529864 2021-02-04 2021-02-04

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

 

FORM 8-K/A

Amendment No. 1

 

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (Date of Earliest Event Reported):

February 4, 2021

 

ENOVA INTERNATIONAL, INC.

(Exact name of registrant as specified in its charter)

 

 

Delaware

1-35503

45-3190813

(State or other jurisdiction of incorporation)

(Commission File No.)

(IRS Employer Identification No.)

 

175 West Jackson Boulevard

Chicago, Illinois 60604

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code:  (312) 568-4200

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

 

Title of Each Class

Trading symbol(s)

Name of Exchange of which registered

Common stock, par value $0.00001 per share

ENVA

NYSE

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

 

 

Explanatory Note

Following the initial filing of the Current Report on Form 8-K, the Registrant discovered that the EDGAR filer inadvertently checked the wrong exhibit type tag in the submission (exhibit type 95, rather than exhibit type 99). This Amendment No. 1 to the Current Report on Form 8-K is being filed to include the correct exhibit type tag. No disclosure was changed as a result of this error .

ITEM 2.02        RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On February 4, 2021, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three and twelve months ended December 31, 2020. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

The press release includes non-GAAP financial measures as that term is defined in Regulation G. The press release also includes the most directly comparable financial measures calculated and presented in accordance with accounting principles generally accepted in the United States (“GAAP”), information reconciling the non-GAAP financial measures to the GAAP financial measures, and a discussion of the reasons why the Company’s management believes that presentation of the non-GAAP financial measures provides useful information to investors regarding the Company’s financial condition and results of operations. The non-GAAP financial information presented therein should be considered in addition to, not as a substitute for, or superior to, financial measures calculated and presented in accordance with GAAP.

ITEM 7.01         REGULATION FD DISCLOSURE

See Item 2.02 Results of Operations and Financial Condition.

ITEM 9.01         FINANCIAL STATEMENTS AND EXHIBITS

(d)Exhibits

The following exhibits are furnished as part of this Report on Form 8-K:

 

Exhibit No.

Description

99.1

Enova International, Inc. press release dated February 4, 2021

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

 

ENOVA INTERNATIONAL, INC.

 

 

 

 

 

 

Date: February 5, 2021

By:

/s/ Sean Rahilly

 

 

Sean Rahilly

 

 

General Counsel & Secretary

 

 EX-99.1 2 d118862dex991.htm EX-99.1
Exhibit 99.1

Enova Reports Fourth Quarter and Full Year 2020 Results



- Compared to a year ago, quarterly diluted earnings per share from continuing operations increased from $0.87 to $6.47 and adjusted earnings per share increased from $0.92 to $2.39.

- Fourth quarter total company originations more than tripled from the third quarter to $536 million.

- The ratio of consolidated portfolio net charge-offs as a percentage of average combined loan and finance receivables was 4.7% in the fourth quarter, unchanged from the prior quarter and down from 15.6% a year ago.

- At December 31, cash and marketable securities totaled $388 million and available capacity on domestic committed facilities totaled $453 million.

CHICAGO, Feb. 4, 2021 PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial technology and analytics company offering consumer and small business loans and financing, today announced financial results for the fourth quarter and year ended December 31, 2020.

"Our strong financial and operating performance this year in the face of a pandemic reflects the adaptability of our technology driven online business," said David Fisher, Enova's CEO. "Our sophisticated world class analytics successfully navigated the shifting market conditions allowing us to rapidly increase originations in the back half of the year. In addition, due to the strength of our operating model and balance sheet we further diversified our business through the acquisition of OnDeck. Our broad product offerings position us well to continue to support our customers, generate sustainable and profitable growth and drive shareholder value."

Fourth Quarter 2020 Summary

  • Total revenue of $264 million in the fourth quarter of 2020 decreased 24% from $345 million in the fourth quarter of 2019.
  • Net revenue margin of 92.3% in the fourth quarter of 2020 compared to gross profit margin of 42.5% in the fourth quarter of 2019.
  • Net income from continuing operations of $231 million, or $6.47 per diluted share, in the fourth quarter of 2020, compared to $30 million, or $0.87 per diluted share, in the fourth quarter of 2019.
  • Fourth quarter 2020 adjusted EBITDA of $149 million, a non-GAAP measure, compared to $66 million in the fourth quarter of 2019.
  • Adjusted earnings of $85 million, or $2.39 per diluted share, both non-GAAP measures, in the fourth quarter of 2020, compared to adjusted earnings of $31 million, or $0.92 per diluted share, in the fourth quarter of 2019.

Full Year 2020 Summary

  • Total revenue of $1.084 billion in 2020 decreased 8% from $1.175 billion in 2019.
  • Gross profit margin was 63.1% in 2020, compared to 48.7% in 2019.
  • Net income from continuing operations of $378 million, or $11.71 per diluted share, in 2020 increased from $128 million, or $3.72 per diluted share, in 2019.
  • Full year 2020 adjusted EBITDA of $415 million, a non-GAAP measure, increased from $276 million in 2019.
  • Adjusted earnings of $235 million, or $7.26 per diluted share, a non-GAAP measure, in 2020 increased from adjusted earnings of $140 million, or $4.08 per diluted share, in 2019.

"Our strong financial performance this quarter reflects the continued robust credit quality of the portfolio as well as sequential growth in originations, receivables and revenue," said Steve Cunningham, CFO of Enova. "Our earnings capacity and balance sheet flexibility have us well positioned to leverage our machine learning driven analytics to continue to capture increased demand at attractive unit economics as the economy improves."

Outlook
Given the ongoing uncertainties related to COVID-19 resurgences, changes in governmental restrictions, potential economic stimulus, employment stabilization and business reopenings, the Company is not providing guidance for the first quarter of 2021.

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 fourth quarter results at 4 p.m. Central Time / 5 p.m. Eastern Time today, February 4th. 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 join the Enova International call. A replay of the conference call will be available until February 11, 2021, 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 International 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 10151286.

About Enova
Enova International (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 more than 7 million customers around the globe with access to more than $40 billion in loans and financing. The financial technology company has a portfolio of trusted brands serving consumers, including CashNetUSA®, NetCredit® and Simplic®; three brands serving small businesses, Headway Capital®, The Business Backer® and OnDeck®; and offers online lending platform services to lenders. Through its Enova Decisions™ brand, it also delivers on-demand decision-making technology and real-time predictive analytics services to clients. You can learn more about the company and its brands 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
The combined loans and finance receivables measures are non-GAAP measures that include loans and finance receivables that Enova owns or has purchased and loans that Enova guarantees. Management believes these non-GAAP measures provide investors with important information needed to evaluate the magnitude of potential receivable losses and the opportunity for revenue performance of the loans and finance receivable portfolio on an aggregate basis. Management also believes that the comparison of the aggregate amounts from period to period is more meaningful than comparing only the amounts reflected on Enova's consolidated balance sheet since revenue is impacted by the aggregate amount of receivables owned by Enova and those guaranteed by Enova as reflected in its consolidated financial statements.

Adjusted Earnings Measures
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 each of these expense items.

Adjusted EBITDA Measures
In addition to reporting financial results in accordance with GAAP, Enova has provided Adjusted EBITDA and Adjusted EBITDA margin, or, collectively, the Adjusted EBITDA measures, which are non-GAAP measures. Adjusted EBITDA is a non-GAAP measure that Enova defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, taxes and stock-based compensation. In addition, management believes that the adjustments for lease termination and cease-use costs, gain on bargain purchase, losses on early extinguishment of debt, equity method investment income and acquisition-related costs shown below are useful to investors in order to allow them to compare our financial results during the periods shown without the effect of the expense items. Adjusted EBITDA margin is a non-GAAP measure that Enova defines as Adjusted EBITDA as a percentage of total revenue. Management believes Adjusted EBITDA Measures 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 Measures are also useful to investors to help assess Enova's estimated enterprise value.

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(dollars in thousands, except per share data)

(Unaudited)

December 31,


2020

2019

Assets







Cash and cash equivalents

$

297,273

$

35,895

Restricted cash

71,927


45,069

Loans and finance receivables at fair value

1,241,506


—

Loans and finance receivables, net

—


1,062,650

Income taxes receivable

—


32,859

Other receivables and prepaid expenses

40,301


31,643

Property and equipment, net

79,417


54,540

Operating lease right-of-use asset

40,123


19,586

Goodwill

267,974


267,013

Intangible assets, net

26,008


2,185

Other assets

43,546


22,912

Total assets

$

2,108,075

$

1,574,352

Liabilities and Stockholders' Equity







Accounts payable and accrued expenses

$

124,071

$

122,163

Operating lease liability

67,956


35,712

Income taxes currently payable

2,624


—

Deferred tax liabilities, net

48,129


48,683

Long-term debt

946,461


991,181

Total liabilities

1,189,241


1,197,739

Commitments and contingencies







Stockholders' equity:







Common stock, $0.00001 par value, 250,000,000 shares authorized,
      41,936,784 and 35,764,943 shares issued and 35,762,926 and 32,974,714
      outstanding as of December 31, 2020 and 2019, respectively

—


—

Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares
      issued and outstanding

—


—

Additional paid in capital

187,981


63,791

Retained earnings

849,466


372,681

Accumulated other comprehensive loss

(6,898)


(3,066)

Treasury stock, at cost (6,173,858 and 2,790,229 shares
as of December 31, 2020 and 2019, respectively)

(113,201)


(56,793)

Total Enova International, Inc. stockholders' equity

917,348


376,613

Noncontrolling interest

1,486


—

Total stockholders' equity

918,834


376,613

Total liabilities and stockholders' equity

$

2,108,075

$

1,574,352

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,


2020

2019

2020

2019

Revenue

$

263,852

$

345,262

$

1,083,710

$

1,174,757

Change in Fair Value

(20,349)


—


(399,517)


—

Cost of Revenue

—


(198,417)


—


(602,894)

Net Revenue/Gross Profit

243,503


146,845


684,193


571,863

Expenses















Marketing

27,605


35,705


69,780


115,132

Operations and technology

30,812


22,909


96,284


84,262

General and administrative

56,657


24,642


140,600


109,204

Depreciation and amortization

8,288


4,007


19,732


15,055

Total Expenses

123,362


87,263


326,396


323,653

Income from Operations

120,141


59,582


357,797


248,210

Interest expense, net

(27,304)


(19,751)


(86,691)


(75,604)

Foreign currency transaction gain (loss), net

521


(26)


514


(216)

Gain on bargain purchase

163,999


—


163,999


—

Loss on early extinguishment of debt

(827)


—


(827)


(2,321)

Equity method investment income

628


—


628


—

Income before Income Taxes

257,158


39,805


435,420


170,069

Provision for income taxes

26,379


10,277


57,191


42,053

Net income from continuing operations before noncontrolling interest

230,779


29,528


378,229


128,016

Less: Net income attributable to noncontrolling interest

85


—


85


—

Net income from continuing operations

230,694


29,528


378,144


128,016

Net loss from discontinued operations

(3)


(80,081)


(300)


(91,404)

Net income (loss) attributable to Enova International, Inc.

$

230,691

$

(50,553)

$

377,844

$

36,612

Earnings (Loss) Per Share attributable to Enova International, Inc.:















Earnings (loss) per common share – basic:















Continuing operations

$

6.61

$

0.88

$

11.86

$

3.80

Discontinued operations

—


(2.39)


(0.01)


(2.71)

Earnings (loss) per common share – basic

$

6.61

$

(1.51)

$

11.85

$

1.09

Earnings (loss) per common share – diluted:















Continuing operations

$

6.47

$

0.87

$

11.71

$

3.72

Discontinued operations

—


(2.35)


(0.01)


(2.66)

Earnings (loss) per common share – diluted

$

6.47

$

(1.48)

$

11.70

$

1.06

Weighted average common shares outstanding:















Basic

34,926


33,553


31,897


33,715

Diluted

35,645


34,119


32,302


34,398

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW

(dollars in thousands)

(Unaudited)

Year Ended December 31,


2020

2019

Cash flows provided by operating activities







Cash flows from operating activities - continuing operations

$

741,171

$

804,608

Cash flows from operating activities - discontinued operations

(300)


44,031

Cash flows provided by operating activities

740,871


848,639

Cash flows used in investing activities







Loans and finance receivables

2,986


(851,056)

Acquisitions, net of cash acquired

109,920


—

Property and equipment additions

(29,491)


(20,062)

Other investing activities

168


27

Cash flows from investing activities - continuing operations

83,583


(871,091)

Cash flows from investing activities - discontinued operations

—


(70,306)

Total cash flows used in investing activities

83,583


(941,397)

Cash flows provided by financing activities

(535,974)


95,484

Effect of exchange rates on cash

(244)


979

Net increase (decrease) in cash and cash equivalents and restricted cash

288,236


3,705

Less: increase in cash and cash equivalents from discontinued operations

—


26,976

Net increase (decrease) in cash, cash equivalents and restricted cash - continuing
   operations

288,236


30,681

Cash, cash equivalents and restricted cash at beginning of year

80,964


50,283

Cash, cash equivalents and restricted cash at end of period

$

369,200

$

80,964

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 continuing operations for the three months ended December 31, 2020 and 2019.


Three Months Ended December 31

2020

2019

Change

Ending combined loan and finance receivable principal balance:











Company owned

$

1,263,134

$

1,121,408

$

141,726

Guaranteed by the Company(a)

8,845


27,455


(18,610)

Total combined loan and finance receivable principal balance(b)

$

1,271,979

$

1,148,863

$

123,116

Ending combined loan and finance receivable fair value balance:











Company owned

$

1,241,506

N/A

N/A

Guaranteed by the Company(a)

10,289

N/A

N/A

Ending combined loan and finance receivable fair value balance(b)

$

1,251,795

N/A

N/A

Fair value as a % of principal(c)

98.4

%

N/A

N/A

Ending combined loan and finance receivable balance, including principal
    and accrued fees/interest outstanding:











Company owned

$

1,310,171

$

1,210,262

$

99,909

Guaranteed by the Company(a)

10,163


27,560


(17,397)

Ending combined loan and finance receivable balance(b)

$

1,320,334

$

1,237,822

$

82,512

Ending allowance for loan losses (prior to FVO adoption)

N/A

$

178,450

N/A

Allowance for losses as a % of combined loan and finance receivable balance(c)

N/A


14.4

%

N/A

Average combined loan and finance receivable balance, including
   principal and accrued fees/interest outstanding:











Company owned(d)

$

1,153,358

$

1,141,802

$

11,556

Guaranteed by the Company(a)(d)

8,861


24,723


(15,862)

Average combined loan and finance receivable balance(a)(d)

$

1,162,219

$

1,166,525

$

(4,306)













Revenue

$

261,299

$

343,144

$

(81,845)

Change in fair value/cost of revenue

(20,349)


(198,417)


178,068

Net revenue/gross profit

240,950


144,727


96,223

Gross profit margin/net revenue margin

92.2

%

42.2

%

50.0

%

Change in fair value/cost of revenue as a % of average loan and finance
   receivable balance(d)

1.8

%

17.0

%

(15.2)

%











Delinquencies:











>30 days delinquent

$

122,666

$

83,315

$

39,351

>30 days delinquent as a % of loan and finance receivable balance(c)

9.3

%

6.7

%

2.6

%











Charge-offs:











Charge-offs (net of recoveries)

$

55,087

$

181,465

$

(126,378)

Charge-offs (net of recoveries) as a % of average loan and finance
   receivable balance(d)

4.7

%

15.6

%

(10.9)

%



(a)  

Represents loans originated by third-party lenders through the CSO programs, which are not included in our consolidated balance sheets.

(b)  

Non-GAAP measure.

(c)   

Determined using period-end balances.

(d)  

The average combined loan and finance receivable balance is the average of the month-end balances during the period.


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,


2020

2019

2020

2019

Net income from continuing operations

$

230,694

$

29,528

$

378,144

$

128,016

Adjustments:















Gain on bargain purchase(a)

(163,999)


—


(163,999)


—

Loss on early extinguishment of debt(b)

827


—


827


2,321

Acquisition-related costs(c)

13,430


—


20,023


—

Lease termination and cease use costs(d)

—


—


—


726

Intangible asset amortization

1,215


267


1,777


1,070

Stock-based compensation expense

7,153


2,183


18,041


11,967

Foreign currency transaction (gain) loss(e)

(506)


26


(499)


216

Cumulative tax effect of adjustments

(3,787)


(693)


(8,038)


(3,907)

Discrete tax adjustments(f)

—


—


(11,604)


(141)

Adjusted earnings

$

85,027

$

31,311

$

234,672

$

140,268

















Diluted earnings per share

$

6.47

$

0.87

$

11.71

$

3.72

















Adjusted earnings per share

$

2.39

$

0.92

$

7.26

$

4.08

Adjusted EBITDA




Three Months Ended

Year Ended


December 31,

December 31,


2020

2019

2020

2019

Net income from continuing operations

$

230,694

$

29,528

$

378,144

$

128,016

Depreciation and amortization expenses(e)

8,282


4,007


19,726


15,055

Interest expense, net(e)

27,120


19,751


86,507


75,604

Foreign currency transaction (gain) loss(e)

(506)


26


(499)


216

Provision for income taxes

26,379


10,277


57,191


42,053

Stock-based compensation expense

7,153


2,183


18,041


11,967

Adjustments:















Lease termination and cease use costs(d)

—


—


—


370

Gain on bargain purchase(a)

(163,999)


—


(163,999)


—

Loss on early extinguishment of debt(b)

827


—


827


2,321

Equity method investment income

(628)


—


(628)


—

Acquisition-related costs(c)

13,430


—


20,023


—

Adjusted EBITDA

$

148,752

$

65,772

$

415,333

$

275,602

















Adjusted EBITDA margin calculated as follows:















Total Revenue

$

263,852

$

345,262

$

1,083,710

$

1,174,757

Adjusted EBITDA

148,752


65,772


415,333


275,602

Adjusted EBITDA as a percentage of total revenue

56.4

%

19.0

%

38.3

%

23.5

%



(a)   

In the fourth quarter of 2020, the Company recorded a $164.0 million gain on bargain purchase related to an acquisition.

(b)    

In the fourth quarter of 2020, the Company recorded a loss on early extinguishment of debt of $0.8 million ($0.6 million net of tax) related to the repurchase of securitization notes. In the first quarter of 2019, the Company recorded a loss on early extinguishment of debt of $2.3 million ($1.8 million net of tax) related to the repurchase of $44.1 million principal amount of securitization notes.

(c)     

In the fourth and third quarters of 2020, the Company incurred expenses totaling $13.4 million ($12.0 million net of tax) and $6.6 million ($5.0 million net of tax), respectively, related to an acquisition.

(d)   

In the first quarter of 2019, the Company recorded impairment charges of $0.4 million ($0.3 million net of tax) to operating right-of-use lease assets and $0.3 million ($0.3 million net of tax) to leasehold improvement assets related to its decision to cease use and sublease a portion of a leased office space.

(e)    

Excludes amounts attributable to noncontrolling interests.

(f)     

In the third quarter of 2020, the Company recognized an $11.6 million income tax benefit resulting from the release of its liability for certain previously unrecognized tax benefits. In the first quarter of 2019, the Company recognized $0.1 million of interest income on a tax refund received as a result of the U.S. Tax Cuts and Jobs Act.



CONTACT: Public Relations Contact: Kaitlin Lowey, Email: media@enova.com; Investor Relations Contact: Monica Gould, Office: (212) 871-3927, Email: IR@enova.com; Lindsay Savarese, Office: (212) 331-8417, Email: IR@enova.com

 GRAPHIC 3 g118862logo.jpg GRAPHIC begin 644 g118862logo.jpg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enva-20210204.xsd XBRL TAXONOMY EXTENSION SCHEMA 00000 - Document - Template Link link:presentationLink link:calculationLink link:definitionLink 100000 - Document - Document and Entity Information link:calculationLink link:presentationLink link:definitionLink EX-101.LAB 5 enva-20210204_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE Entity Central Index Key Cover [Abstract] Document Type Document Type Amendment Flag Amendment Flag Amendment Description Amendment Description Document Period End Date Document Period End Date Entity Registrant Name Entity Registrant Name Entity Central Index Key Entity Emerging Growth Company Entity Emerging Growth Company Entity File Number Entity File Number Entity Incorporation State Country Code Entity Incorporation State Country Code Entity Tax Identification Number Entity Tax Identification Number Entity Address, Address Line One Entity Address Address Line1 Entity Address, City or Town Entity Address City Or Town Entity Address, State or Province Entity Address State Or Province Entity Address, Postal Zip Code Entity Address Postal Zip Code City Area Code City Area Code Local Phone Number Local Phone Number Written Communications Written Communications Soliciting Material Soliciting Material Pre Commencement Tender Offer Pre Commencement Tender Offer Pre Commencement Issuer Tender Offer Pre Commencement Issuer Tender Offer Security 12b Title Security12b Title Trading Symbol Trading Symbol Security Exchange Name Security Exchange Name EX-101.PRE 6 enva-20210204_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 7 enva-8ka_20210204_htm.xml IDEA: XBRL DOCUMENT 0001529864 2021-02-04 2021-02-04 true 0001529864 8-K/A 2021-02-04 ENOVA INTERNATIONAL, INC. DE 1-35503 45-3190813 175 West Jackson Boulevard Chicago IL 60604 (312) 568-4200 false false false false Common stock, par value $0.00001 per share ENVA NYSE false Following the initial filing of the Current Report on Form 8-K, the Registrant discovered that the EDGAR filer inadvertently checked the wrong exhibit type tag in the submission (exhibit type 95, rather than exhibit type 99). This Amendment No. 1 to the Current Report on Form 8-K is being filed to include the correct exhibit type tag. No disclosure was changed as a result of this error . XML 8 R1.htm IDEA: XBRL DOCUMENT v3.20.4
Document and Entity Information
Feb. 04, 2021
Cover [Abstract]  
Document Type 8-K/A
Amendment Flag true
Amendment Description Following the initial filing of the Current Report on Form 8-K, the Registrant discovered that the EDGAR filer inadvertently checked the wrong exhibit type tag in the submission (exhibit type 95, rather than exhibit type 99). This Amendment No. 1 to the Current Report on Form 8-K is being filed to include the correct exhibit type tag. No disclosure was changed as a result of this error .
Document Period End Date Feb. 04, 2021
Entity Registrant Name ENOVA INTERNATIONAL, INC.
Entity Central Index Key 0001529864
Entity Emerging Growth Company false
Entity File Number 1-35503
Entity Incorporation State Country Code DE
Entity Tax Identification Number 45-3190813
Entity Address, Address Line One 175 West Jackson Boulevard
Entity Address, City or Town Chicago
Entity Address, State or Province IL
Entity Address, Postal Zip Code 60604
City Area Code (312)
Local Phone Number 568-4200
Written Communications false
Soliciting Material false
Pre Commencement Tender Offer false
Pre Commencement Issuer Tender Offer false
Security 12b Title Common stock, par value $0.00001 per share
Trading Symbol ENVA
Security Exchange Name NYSE

EXCEL 9 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 10 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 11 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 12 FilingSummary.xml IDEA: XBRL DOCUMENT 3.20.4 html 1 96 1 false 0 0 false 0 false false R1.htm 100000 - Document - Document and Entity Information Sheet http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation Document and Entity Information Cover 1 false false All Reports Book All Reports enva-8ka_20210204.htm d118862dex991.htm enva-20210204.xsd enva-20210204_lab.xml enva-20210204_pre.xml http://xbrl.sec.gov/dei/2020-01-31 true false JSON 14 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "enva-8ka_20210204.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "definitionLink": { "remote": [ "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-eedm-def-2020-01-31.xml", "http://xbrl.fasb.org/srt/2020/elts/srt-eedm1-def-2020-01-31.xml" ] }, "inline": { "local": [ "enva-8ka_20210204.htm" ] }, "labelLink": { "local": [ "enva-20210204_lab.xml" ], "remote": [ "https://xbrl.sec.gov/dei/2020/dei-doc-2020-01-31.xml" ] }, "presentationLink": { "local": [ "enva-20210204_pre.xml" ] }, "referenceLink": { "remote": [ "https://xbrl.sec.gov/dei/2020/dei-ref-2020-01-31.xml" ] }, "schema": { "local": [ "enva-20210204.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd", "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd", "https://xbrl.sec.gov/currency/2020/currency-2020-01-31.xsd", "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd", "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd", "https://xbrl.sec.gov/exch/2020/exch-2020-01-31.xsd", "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd", "https://xbrl.sec.gov/sic/2020/sic-2020-01-31.xsd", "http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd", "http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd", "http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd", "https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd", "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd", "http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd", "http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd", "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd" ] } }, "elementCount": 24, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2020-01-31": 2, "total": 2 }, "keyCustom": 0, "keyStandard": 96, "memberCustom": 0, "memberStandard": 0, "nsprefix": "enva", "nsuri": "http://www.enova.com/20210204", "report": { "R1": { "firstAnchor": { "ancestors": [ "p", "body", "html" ], "baseRef": "enva-8ka_20210204.htm", "contextRef": "C_0001529864_20210204_20210204", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "100000 - Document - Document and Entity Information", "role": "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation", "shortName": "Document and Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "p", "body", "html" ], "baseRef": "enva-8ka_20210204.htm", "contextRef": "C_0001529864_20210204_20210204", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentDescription": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Description of changes contained within amended document.", "label": "Amendment Description", "terseLabel": "Amendment Description" } } }, "localname": "AmendmentDescription", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "stringItemType" }, "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag", "terseLabel": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code", "terseLabel": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_CoverAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page.", "label": "Cover [Abstract]" } } }, "localname": "CoverAbstract", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "xbrltype": "stringItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date", "terseLabel": "Document Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type", "terseLabel": "Document Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address Address Line1", "terseLabel": "Entity Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address City Or Town", "terseLabel": "Entity Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address Postal Zip Code", "terseLabel": "Entity Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address State Or Province", "terseLabel": "Entity Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key", "terseLabel": "Entity Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company", "terseLabel": "Entity Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number", "terseLabel": "Entity File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation State Country Code", "terseLabel": "Entity Incorporation State Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name", "terseLabel": "Entity Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number", "terseLabel": "Entity Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "employerIdItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number", "terseLabel": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre Commencement Issuer Tender Offer", "terseLabel": "Pre Commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre Commencement Tender Offer", "terseLabel": "Pre Commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Security12b Title", "terseLabel": "Security 12b Title" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name", "terseLabel": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material", "terseLabel": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol", "terseLabel": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications", "terseLabel": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.enova.com/20210204/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12" }, "r5": { "Name": "Regulation 12B", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425" } }, "version": "2.1" } ZIP 15 0001564590-21-004517-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001564590-21-004517-xbrl.zip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end