Company:  ENOVA INTERNATIONAL, INC. (ENVA)
Form Type:  10-K
Filing Date:  2/27/2020 
CIK:  0001529864 
Address:  175 WEST JACKSON BLVD.
SUITE 1000
 
City, State, Zip:  CHICAGO, Illinois 60604 
Telephone:  312-568-4200 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$14.24  
Change: 
-0.15 (-1.04%)  
Trade Time: 
04:00 PM EST  
Market Cap: 
$427.76M
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© 2020  
Description of Business
We are a leading technology and analytics company focused on providing online financial services. In 2019, we extended approximately $2.2 billion in credit or financing to borrowers. As of December 31, 2019, we offered or arranged loans or draws on lines of credit to consumers in 40 states and Washington D.C. in the United States and Brazil. We also offered financing to small businesses in all 50 states and Washington D.C. in the United States. We use our proprietary technology, analytics and customer service capabilities to quickly evaluate, underwrite and fund loans or provide financing, allowing us to offer consumers and small businesses credit or financing when and how they want it. Our customers include the large and growing number of consumers who and small businesses which have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders.
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  FORM 10-K
    PART I
      ITEM 1. BUSINESS
        NAME AND TITLE
      ITEM 1A. RISK FACTORS
      ITEM 1B. UNRESOLVED STAFF COMMENTS
      ITEM 2. PROPERTIES
      ITEM 3. LEGAL PROCEEDINGS
      ITEM 4. MINE SAFETY DISCLOSURES
    PART II
      ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED ...
      ITEM 6. SELECTED FINANCIAL DATA
      ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
        RESULTS OF OPERATIONS
        LIQUIDITY AND CAPITAL RESOURCES
      ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
        REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
      ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      ITEM 9A. CONTROLS AND PROCEDURES
      ITEM 9B. OTHER INFORMATION
    PART III
      ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
      ITEM 11. EXECUTIVE COMPENSATION
      ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND ...
      ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND ...
      ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES
    PART IV
      ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES
    SIGNATURES
  EXHIBIT 4.2
  EXHIBIT 21.1
    SUBSIDIARIES
  EXHIBIT 23.1
    CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
  EXHIBIT 31.1
    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
  EXHIBIT 31.2
    CERTIFICATION OF CHIEF FINANCIAL OFFICER
  EXHIBIT 32.1
    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
  EXHIBIT 32.2
    CERTIFICATION OF CHIEF FINANCIAL OFFICER