0001564590-21-021978.txt : 20210429 0001564590-21-021978.hdr.sgml : 20210429 20210429161856 ACCESSION NUMBER: 0001564590-21-021978 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20210429 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210429 DATE AS OF CHANGE: 20210429 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 SEC ACT: 1934 Act SEC FILE NUMBER: 001-35503 FILM NUMBER: 21870902 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 1 enva-8k_20210429.htm 8-K enva-8k_20210429.htm
false 0001529864 0001529864 2021-04-29 2021-04-29

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

 

FORM 8-K

 

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (Date of Earliest Event Reported):

April 29, 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. ☐

 

 

 

 

 

ITEM 2.02        RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On April 29, 2021, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended March 31, 2021. 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 April 29, 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: April 29, 2021

By:

/s/ Sean Rahilly

 

 

Sean Rahilly

 

 

General Counsel & Secretary

 

 EX-99.1 2 d172492dex991.htm EX-99.1
Exhibit 99.1

Enova Reports First Quarter 2021 Results



- Record first quarter profitability with diluted earnings per share from continuing operations of $2.03 and adjusted earnings per share of $2.20

- First quarter total company originations increased 7% year over year to $506 million

- Continued strong credit performance with consolidated portfolio net charge-offs as a percentage of average combined loan and finance receivables declining to 4.2% from 16.8% in the first quarter of 2020

- Balance sheet remains strong with cash and marketable securities of $392 million at March 31 and available capacity on committed facilities of $412 million

CHICAGO, April 29, 2021 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial technology company powered by machine learning and artificial intelligence, today announced financial results for the first quarter ended March 31, 2021.

"We're pleased to report a record first quarter of profitability, driven by solid credit performance, improving originations and disciplined expense management," said David Fisher, Enova's CEO. "We are encouraged by the recent signs of a recovery in demand and believe that our diverse product offerings, nimble machine learning-powered credit risk management capabilities and solid balance sheet position us well to profitably accelerate growth as the economy continues to recover."

First Quarter 2021 Summary

  • Total revenue of $259 million in the first quarter of 2021 decreased 28% from $362 million in the first quarter of 2020.
  • Net revenue margin of 91.9% in the first quarter of 2021 compared to 34.9% in the first quarter of 2020.
  • Net income from continuing operations of $76 million, or $2.03 per diluted share, in the first quarter of 2021, compared to $6 million, or $0.18 per diluted share, in the first quarter of 2020.
  • First quarter 2021 adjusted EBITDA of $137 million, a non-GAAP measure, compared to $36 million in the first quarter of 2020.
  • Adjusted earnings of $82 million, or $2.20 per diluted share, both non-GAAP measures, in the first quarter of 2021, compared to adjusted earnings of $9 million, or $0.26 per diluted share, in the first quarter of 2020.

"Our strong profitability in the first quarter reflects our continued strong execution despite the ongoing pandemic," said Steve Cunningham, CFO of Enova. "Looking ahead, we are optimistic that we will see both consumer and small business demand accelerate as the economy normalizes. We believe we are well positioned to capture the improving demand with our flexible online-only model, strong balance sheet, broad breadth of products, and the powerful credit risk management capabilities of our world-class analytics and technology."

Outlook
Enova is monitoring and adapting quickly to changes in the current environment due to the COVID-19 pandemic. Given the ongoing uncertainties related to virus resurgences, changes in governmental restrictions, potential economic stimulus, employment stabilization, and business re-openings, the Company is not providing guidance for the second quarter or full year 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 first quarter results at 4 p.m. Central Time / 5 p.m. Eastern Time today, April 29th. The live webcast of the call can be accessed at the Enova International 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 May 6, 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 10154678.

About Enova
Enova International (NYSE: ENVA) is a leading financial technology company providing online financial services through its artificial intelligence and machine learning powered lending platform. Enova serves the needs of non-prime consumers and small businesses, who are frequently underserved by traditional banks. Enova has provided more than 7 million customers with over $40 billion in loans and financing with market leading products that provide a path for them to improve their financial health. You can learn more about the company and its brands at www.enova.com.

SOURCE Enova International, Inc.

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 transaction-related costs, losses on early extinguishment of debt and equity method investment income 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)

March 31,

December 31,


2021

2020

2020

Assets











Cash and cash equivalents

$

324,328

$

161,076

$

297,273

Restricted cash

49,879


42,742


71,927

Loans and finance receivables at fair value

1,230,711


1,093,207


1,241,506

Income taxes receivable

—


35,487


—

Other receivables and prepaid expenses

41,630


33,530


40,301

Property and equipment, net

78,899


56,216


79,417

Operating lease right-of-use assets

39,159


19,981


40,123

Goodwill

279,275


267,868


267,974

Intangible assets, net

41,155


1,918


26,008

Other assets

48,606


21,276


43,546

Total assets

$

2,133,642

$

1,733,301

$

2,108,075

Liabilities and Stockholders' Equity











Accounts payable and accrued expenses

$

108,982

$

95,893

$

124,071

Operating lease liabilities

66,090


35,783


67,956

Income taxes currently payable

17,378


—


2,624

Deferred tax liabilities, net

61,070


71,679


48,129

Long-term debt

874,514


1,091,732


946,461

Total liabilities

1,128,034


1,295,087


1,189,241

Commitments and contingencies











Stockholders' equity:











Common stock, $0.00001 par value, 250,000,000 shares authorized,
42,862,788, 36,112,268 and 41,936,784 shares issued
and 36,598,693, 31,007,899 and 35,762,926 outstanding
as of March 31, 2021 and 2020 and December 31, 2020, respectively

—


—


—

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

—


—


—

Additional paid in capital

203,765


67,440


187,981

Retained earnings

925,386


477,082


849,466

Accumulated other comprehensive loss

(8,498)


(7,807)


(6,898)

Treasury stock, at cost (6,264,095, 5,104,369 and 6,173,858 shares as
of March 31, 2021 and 2020 and December 31, 2020, respectively)

(115,787)


(98,501)


(113,201)

Total Enova International, Inc. stockholders' equity

1,004,866


438,214


917,348

Noncontrolling interest

742


—


1,486

Total stockholders' equity

1,005,608


438,214


918,834

Total liabilities and stockholders' equity

$

2,133,642

$

1,733,301

$

2,108,075

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(in thousands, except per share data)

(Unaudited)

Three Months Ended


March 31,


2021

2020

Revenue

$

259,444

$

362,252

Change in Fair Value

(21,078)


(235,719)

Net Revenue

238,366


126,533

Expenses







Marketing

28,568


34,558

Operations and technology

35,627


31,266

General and administrative

44,089


27,951

Depreciation and amortization

6,627


3,670

Total Expenses

114,911


97,445

Income from Operations

123,455


29,088

Interest expense, net

(19,914)


(20,381)

Foreign currency transaction (loss) gain

(34)


41

Loss on early extinguishment of debt

(378)


—

Equity method investment income

558


—

Income before Income Taxes

103,687


8,748

Provision for income taxes

27,716


3,000

Net income from continuing operations before noncontrolling interest

75,971


5,748

Less: Net income attributable to noncontrolling interest

51


—

Net income from continuing operations

75,920


5,748

Net loss from discontinued operations

—


(288)

Net income attributable to Enova International, Inc.

$

75,920

$

5,460

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







Earnings (loss) per common share – basic:







Continuing operations

$

2.10

$

0.18

Discontinued operations

—


(0.01)

Earnings (loss) per common share – basic

$

2.10

$

0.17

Earnings (loss) per common share – diluted:







Continuing operations

$

2.03

$

0.18

Discontinued operations

—


(0.01)

Earnings (loss) per common share – diluted

$

2.03

$

0.17

Weighted average common shares outstanding:







Basic

36,109


32,337

Diluted

37,487


32,833

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW

(dollars in thousands)

(Unaudited)

Three Months Ended March 31,


2021

2020

Cash flows provided by operating activities







Cash flows from operating activities - continuing operations

$

117,028

$

252,802

Cash flows from operating activities - discontinued operations

—


(288)

Total Cash flows provided by operating activities

117,028


252,514

Cash flows used in investing activities







Loans and finance receivables

(9,015)


(178,185)

Acquisitions

(28,358)


(3,597)

Purchases of property and equipment

(7,106)


(5,156)

Other investing activities

25


57

Total cash flows used in investing activities

(44,454)


(186,881)

Cash flows (used in) provided by financing activities

(67,656)


57,335

Effect of exchange rates on cash, cash equivalents and restricted cash

89


(114)

Net increase in cash, cash equivalents and restricted cash

5,007


122,854

Cash, cash equivalents and restricted cash at beginning of year

369,200


80,964

Cash, cash equivalents and restricted cash at end of period

$

374,207

$

203,818

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 March 31, 2021 and 2020.


Three Months Ended March 31,

2021

2020

Change

Ending combined loan and finance receivable principal balance:











Company owned

$

1,219,848

$

1,061,408

$

158,440

Guaranteed by the Company(a)

5,691


10,287


(4,596)

Total combined loan and finance receivable principal balance(b)

$

1,225,539

$

1,071,695

$

153,844

Ending combined loan and finance receivable fair value balance:











Company owned

$

1,230,711

$

1,093,207

$

137,504

Guaranteed by the Company(a)

7,246


12,445


(5,199)

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

$

1,237,957

$

1,105,652

$

132,305

Fair value as a % of principal(c)

101.0

%

103.2

%

(2.2)

%

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











Company owned

$

1,265,987

$

1,145,748

$

120,239

Guaranteed by the Company(a)

6,792


11,798


(5,006)

Ending combined loan and finance receivable balance(b)

$

1,272,779

$

1,157,546

$

115,233

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











Company owned(d)

$

1,299,248

$

1,190,198

$

109,050

Guaranteed by the Company(a)(d)

8,670


17,846


(9,176)

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

$

1,307,918

$

1,208,044

$

99,874













Revenue

$

257,297

$

359,806

$

(102,509)

Change in fair value

(21,078)


(235,719)


214,641

Net revenue

236,219


124,087


112,132

Net revenue margin

91.8

%

34.5

%

57.3

%

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

1.6

%

19.5

%

(17.9)

%











Delinquencies:











>30 days delinquent

$

96,228

$

86,294

$

9,934

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

7.6

%

7.5

%

0.1

%











Charge-offs:











Charge-offs (net of recoveries)

$

54,450

$

203,224

$

(148,774)

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

4.2

%

16.8

%

(12.6)

%



(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


March 31,


2021

2020

Net income from continuing operations

$

75,920

$

5,748

Adjustments:







Transaction-related costs(a)

1,412


—

Loss on early extinguishment of debt(b)

378


—

Intangible asset amortization

1,151


267

Stock-based compensation expense

5,804


3,460

Foreign currency transaction loss (gain)

34


(41)

Cumulative tax effect of adjustments

(2,209)


(868)









Adjusted earnings

$

82,490

$

8,566









Diluted earnings per share

$

2.03

$

0.18









Adjusted earnings per share

$

2.20

$

0.26

Adjusted EBITDA



Three Months Ended


March 31,


2021

2020

Net income from continuing operations

$

75,920

$

5,748

Depreciation and amortization expenses

6,621


3,670

Interest expense, net

19,755


20,381

Foreign currency transaction loss

34


(41)

Provision for income taxes

27,716


3,000

Stock-based compensation expense

5,804


3,460

Adjustments:







Transaction-related costs(a)

1,412


—

Loss on early extinguishment of debt(b)

378


—

Equity method investment income

(558)


—









Adjusted EBITDA

$

137,082

$

36,218









Adjusted EBITDA margin calculated as follows:







Total Revenue

$

259,444

$

362,252

Adjusted EBITDA

137,082


36,218

Adjusted EBITDA as a percentage of total revenue

52.8

%

10.0

%



(a)

In the first quarter of 2021, the Company incurred expenses totaling $1.4 million ($1.1 million net of tax) related to acquisitions and a divestiture of a subsidiary.

(b)  

In the first quarter of 2021, the Company recorded a loss on early extinguishment of debt of $0.4 million ($0.3 million net of tax) related to the repurchase of securitization notes.



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

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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 XML 8 R1.htm IDEA: XBRL DOCUMENT v3.21.1
Document and Entity Information
Apr. 29, 2021
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Apr. 29, 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 or 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
Title of Each Class Common stock, par value $0.00001 per share
Trading symbol(s) ENVA
Name of Exchange of which registered NYSE
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