Company:  ENOVA INTERNATIONAL, INC. (ENVA)
Form Type:  10-Q
Filing Date:  5/5/2020 
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: 
$18.00  
Change: 
0.80 (4.65%)  
Trade Time: 
04:10 PM EST  
Market Cap: 
$541.97M
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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-Q
    PART I. FINANCIAL INFORMATION
      ITEM 1. FINANCIAL STATEMENTS
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited)
      ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
      FINANCIAL STATEMENTS
        CASH FLOW
      ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      ITEM 4. CONTROLS AND PROCEDURES
    PART II. OTHER INFORMATION
      ITEM 1. LEGAL PROCEEDINGS
      ITEM 1A. RISK FACTORS
      ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF ...
      ITEM 3. DEFAULTS UPON SENIOR SECURITIES
      ITEM 4. MINE SAFETY DISCLOSURES
      ITEM 5. OTHER INFORMATION
      ITEM 6. EXHIBITS
    SIGNATURES
  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