0001564590-21-052665.txt : 20211028 0001564590-21-052665.hdr.sgml : 20211028 20211028161829 ACCESSION NUMBER: 0001564590-21-052665 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20211028 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211028 DATE AS OF CHANGE: 20211028 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: 211358531 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_20211028.htm 8-K enva-8k_20211028.htm
false 0001529864 0001529864 2021-10-28 2021-10-28

 

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):

October 28, 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 October 28, 2021, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended September 30, 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 October 28, 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: October 28, 2021

By:

/s/ Sean Rahilly

 

 

Sean Rahilly

 

 

General Counsel & Secretary

 

 EX-99.1 2 d231219dex991.htm EX-99.1
Exhibit 99.1

Enova Reports Third Quarter 2021 Results



- Total revenue increased 21% sequentially and 57% from the third quarter of 2020 to $320 million

- Strong third quarter profitability with diluted earnings per share from continuing operations of $1.36 and adjusted earnings per share of $1.50

- Total company originations increased 26% sequentially to a record $856 million

- Continued strong credit performance with consolidated portfolio net charge-offs as a percentage of average combined loan and finance receivables of 4.2%, down from 4.7% in the third quarter of 2020

- At September 30, cash and marketable securities totaled $306 million and available capacity on committed facilities totaled $694 million

CHICAGO, Oct. 28, 2021 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial technology company powered by machine learning and artificial intelligence, today announced financial results for the third quarter ending September 30, 2021.

"We are pleased to again report a strong quarter of growth across all of our businesses," said David Fisher, Enova's CEO. "We continued to see rising demand, driven by increased spending as the economy recovers. Our accelerated marketing activities were highly successful in capturing the growing demand, particularly from new customers, which as a percentage of originations were the highest since the company's first year of operation. We expect this momentum to continue into the fourth quarter and believe that our demonstrated ability to capture market share combined with strong credit metrics provides good tailwinds as we enter 2022."

Third Quarter 2021 Summary

  • Total revenue of $320 million in the third quarter of 2021 increased 57% from $205 million in the third quarter of 2020.
  • Net revenue margin of 77% in the third quarter of 2021 compared to 89% in the third quarter of 2020.
  • Net income from continuing operations of $52 million, or $1.36 per diluted share, in the third quarter of 2021, compared to $94 million, or $3.09 per diluted share, in the third quarter of 2020.
  • Third quarter 2021 adjusted EBITDA of $100 million, a non-GAAP measure, compared to $136 million in the third quarter of 2020.
  • Adjusted earnings of $57 million, or $1.50 per diluted share, both non-GAAP measures, in the third quarter of 2021, compared to adjusted earnings of $90 million, or $2.97 per diluted share, in the third quarter of 2019.

"We are encouraged by the growth in originations this quarter and our ability to deliver solid top and bottom-line results," said Steve Cunningham, CFO of Enova. "Credit performance across the portfolio remains very good, which contributed to our strong financial results this quarter. Looking forward, given the improving macroeconomic environment we expect credit to remain a tailwind and this is reflected in the fair value of our portfolio as we exited the quarter."

Outlook

Enova is monitoring and adapting quickly to changes in the current environment as the economy recovers from the impacts of the COVID-19 pandemic. Given the ongoing uncertainties in the operating environment the Company is not providing guidance for the fourth 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.

CFPB Civil Investigative Demand

The Company has received a Civil Investigative Demand ("CID") from the Consumer Financial Protection Bureau ("CFPB") concerning certain loan processing issues. Enova has been cooperating fully with the CFPB by providing data and information in response to the CID. Enova anticipates being able to expeditiously complete the investigation as several of the issues were self-disclosed and the Company has provided, and will continue to provide, restitution to customers who may have been negatively impacted.

"Enova has led the industry in providing innovative products that help consumers and small businesses and we are committed to putting customers first and complying with regulatory requirements," said Sean Rahilly, General Counsel & Chief Compliance Officer at Enova International. "We have devoted significant efforts to continually improving our technology and processes, as well as ongoing enhancements to our systems and controls to prevent negative customer experiences. Working with our regulatory authorities like the CFPB is a critical part of the process of providing financial services and we look forward to completing the investigation."

Conference Call

Enova will host a conference call to discuss its third quarter results at 4 p.m. Central Time / 5 p.m. Eastern Time today, October 28th. 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 November 4, 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 10160556.

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.

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, lease termination and cease-use loss (gain), other nonoperating expenses 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)

September 30,

December 31,


2021

2020

2020

Assets











Cash and cash equivalents

$

229,088

$

490,033

$

297,273

Restricted cash

59,053


45,017


71,927

Loans and finance receivables at fair value

1,635,282


693,370


1,241,506

Income taxes receivable

4,799


—


—

Other receivables and prepaid expenses

52,975


25,117


40,301

Property and equipment, net

81,149


63,403


79,417

Operating lease right-of-use assets

36,105


20,370


40,123

Goodwill

279,275


267,868


267,974

Intangible assets, net

37,458


1,623


26,008

Other assets

52,315


27,363


43,546

Total assets

$

2,467,499

$

1,634,164

$

2,108,075

Liabilities and Stockholders' Equity











Accounts payable and accrued expenses

$

124,584

$

76,526

$

124,071

Operating lease liabilities

61,985


35,258


67,956

Income taxes currently payable

—


15,339


2,624

Deferred tax liabilities, net

71,297


69,874


48,129

Long-term debt

1,075,380


863,472


946,461

Total liabilities

1,333,246


1,060,469


1,189,241

Commitments and contingencies











Stockholders' equity:











Common stock, $0.00001 par value, 250,000,000 shares authorized,
43,224,666, 36,190,857 and 41,936,784 shares issued and
36,427,705, 30,111,727 and 35,762,926 outstanding as of
September 30, 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

217,051


74,868


187,981

Retained earnings

1,057,111


618,775


849,466

Accumulated other comprehensive loss

(8,185)


(8,547)


(6,898)

Treasury stock, at cost (6,796,961, 6,079,130 and 6,173,858 shares as
of September 30, 2021 and 2020 and December 31, 2020, respectively)

(133,041)


(111,401)


(113,201)

Total Enova International, Inc. stockholders' equity

1,132,936


573,695


917,348

Noncontrolling interest

1,317


—


1,486

Total stockholders' equity

1,134,253


573,695


918,834

Total liabilities and stockholders' equity

$

2,467,499

$

1,634,164

$

2,108,075

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(in thousands, except per share data)

(Unaudited)

Three Months Ended

Nine Months Ended


September 30,

September 30,


2021

2020

2021

2020

Revenue

$

320,160

$

204,545

$

844,324

$

819,858

Change in Fair Value

(73,778)


(22,777)


(100,443)


(379,168)

Net Revenue

246,382


181,768


743,881


440,690

Expenses















Marketing

79,726


4,629


163,548


42,175

Operations and technology

37,966


17,702


108,628


65,472

General and administrative

33,557


33,656


116,321


83,943

Depreciation and amortization

8,914


3,770


23,001


11,444

Total Expenses

160,163


59,757


411,498


203,034

Income from Operations

86,219


122,011


332,383


237,656

Interest expense, net

(18,163)


(18,634)


(57,493)


(59,387)

Foreign currency transaction loss

(109)


(30)


(383)


(7)

Equity method investment income

529


—


2,558


—

Other nonoperating expenses

—


—


(1,128)


—

Income before Income Taxes

68,476


103,347


275,937


178,262

Provision for income taxes

16,667


9,671


67,607


30,812

Net income from continuing operations before noncontrolling
interest

51,809


93,676


208,330


147,450

Less: Net income attributable to noncontrolling interest

261


—


685


—

Net income from continuing operations

51,548


93,676


207,645


147,450

Net loss from discontinued operations

—


(9)


—


(297)

Net income attributable to Enova International, Inc.

$

51,548

$

93,667

$

207,645

$

147,153

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















Earnings (loss) per common share – basic:















Continuing operations

$

1.40

$

3.11

$

5.68

$

4.78

Discontinued operations

—


—


—


(0.01)

Earnings (loss) per common share – basic

$

1.40

$

3.11

$

5.68

$

4.77

Earnings (loss) per common share – diluted:















Continuing operations

$

1.36

$

3.09

$

5.48

$

4.73

Discontinued operations

—


—


—


(0.01)

Earnings (loss) per common share – diluted

$

1.36

$

3.09

$

5.48

$

4.72

Weighted average common shares outstanding:















Basic

36,744


30,108


36,554


30,880

Diluted

37,984


30,363


37,874


31,180

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW

(dollars in thousands)

(Unaudited)

Nine Months Ended September 30,


2021

2020

Cash flows from operating activities







Cash flows from operating activities - continuing operations

$

325,157

$

623,530

Cash flows from operating activities - discontinued operations

—


(297)

Total cash flows provided by operating activities

325,157


623,233

Cash flows from investing activities







Loans and finance receivables

(470,416)


40,505

Acquisitions

(29,153)


(3,597)

Purchases of property and equipment

(22,031)


(19,835)

Other investing activities

25


57

Total cash flows (used in) provided by investing activities

(521,575)


17,130

Cash flows provided by (used in) financing activities

115,433


(186,103)

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

(74)


(174)

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

(81,059)


454,086

Cash, cash equivalents and restricted cash at beginning of year

369,200


80,964

Cash, cash equivalents and restricted cash at end of period

$

288,141

$

535,050

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 September 30, 2021 and 2020.


Three Months Ended September 30,

2021

2020

Change

Ending combined loan and finance receivable principal balance:











Company owned

$

1,586,449

$

651,289

$

935,160

Guaranteed by the Company(a)

11,354


6,905


4,449

Total combined loan and finance receivable principal balance(b)

$

1,597,803

$

658,194

$

939,609

Ending combined loan and finance receivable fair value balance:











Company owned

$

1,635,282

$

693,370

$

941,912

Guaranteed by the Company(a)

16,921


7,411


9,510

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

$

1,652,203

$

700,781

$

951,422

Fair value as a % of principal(c)

103.4

%

106.5

%

(3.1)

%

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











Company owned

$

1,650,771

$

698,964

$

951,807

Guaranteed by the Company(a)

13,239


8,100


5,139

Ending combined loan and finance receivable balance(b)

$

1,664,010

$

707,064

$

956,946

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











Company owned(d)

$

1,540,424

$

747,956

$

792,468

Guaranteed by the Company(a)(d)

11,366


6,855


4,511

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

$

1,551,790

$

754,811

$

796,979













Revenue

$

316,042

$

203,397

$

112,645

Change in fair value

(72,546)


(22,777)


(49,769)

Net revenue

243,496


180,620


62,876

Net revenue margin

77.0

%

88.8

%

(11.8)

%

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

4.7

%

3.0

%

1.7

%











Delinquencies:











>30 days delinquent

$

90,782

$

25,841

$

64,941

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

5.5

%

3.7

%

1.8

%











Charge-offs:











Charge-offs (net of recoveries)

$

64,896

$

35,166

$

29,730

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

4.2

%

4.7

%

(0.5)

%

______________________________

(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

Nine Months Ended


September 30,

September 30,


2021

2020

2021

2020

Net income from continuing operations

$

51,548

$

93,676

$

207,645

$

147,450

Adjustments:















Transaction-related costs(a)

—


6,593


1,424


6,593

Lease termination and cease-use loss (gain)(b)

(113)


—


(113)


—

Other nonoperating expenses(c)

—


—


1,128


—

Intangible asset amortization

2,013


27


4,848


562

Stock-based compensation expense

5,018


3,768


16,072


10,888

Foreign currency transaction loss

102


30


373


7

Cumulative tax effect of adjustments

(1,581)


(2,454)


(5,843)


(4,251)

















Adjusted earnings

$

56,987

$

90,036

$

225,534

$

149,645

















Diluted earnings per share

$

1.36

$

3.09

$

5.48

$

4.73

















Adjusted earnings per share

$

1.50

$

2.97

$

5.95

$

4.80


Adjusted EBITDA




Three Months Ended

Nine Months Ended


September 30,

September 30,


2021

2020

2021

2020

Net income from continuing operations

$

51,548

$

93,676

$

207,645

$

147,450

Depreciation and amortization expenses

8,912


3,770


22,990


11,444

Interest expense, net

17,966


18,634


57,013


59,387

Foreign currency transaction loss

102


30


373


7

Provision for income taxes

16,667


9,671


67,607


30,812

Stock-based compensation expense

5,018


3,768


16,072


10,888

Adjustments:















Transaction-related costs(a)

—


6,593


1,424


6,593

Lease termination and cease-use loss (gain)(b)

(113)


—


(113)


—

Other nonoperating expenses(c)

—


—


1,128


—

Equity method investment income

(529)


—


(2,558)


—

















Adjusted EBITDA

$

99,571

$

136,142

$

371,581

$

266,581

















Adjusted EBITDA margin calculated as follows:















Total Revenue

$

320,160

$

204,545

$

844,324

$

819,858

Adjusted EBITDA

99,571


136,142


371,581


266,581

Adjusted EBITDA as a percentage of total revenue

31.1

%

66.6

%

44.0

%

32.5

%

_____________________________

(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. 
         In the third quarter of 2020, the Company incurred expenses totaling $6.6 million ($5.0 million net of tax) related to an acquisition.

(b)     In the third quarter of 2021, the Company recorded a gain of $0.1 million ($0.1 million net of tax) upon the exit of leased office space.

(c)      In the first quarter of 2021, the Company recorded other nonoperating expense of $0.4 million ($0.3 million net of tax) related to the repurchase of securitization 
          notes. In the second quarter of 2021, the Company recorded other nonoperating expense of $0.8 million ($0.6 million net of tax) related to an incomplete transaction.



CONTACT: Public Relations Contact: Kaitlin Lowey, Email: media@enova.com or Investor Relations Contact: Lindsay Savarese, Office: (212) 331-8417, Email: IR@enova.com or Monica Gould, Office: (212) 871-3927, 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 v3.21.2
Document and Entity Information
Oct. 28, 2021
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 28, 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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