$ENVA
Enova International, Inc.

2014 Q4 Form 10-K Financial Statement

#000156459015001871 Filed on March 20, 2015

View on sec.gov

Income Statement

Concept 2014 Q4 2014 2013 Q4
Revenue $194.7M $809.8M $208.8M
YoY Change -6.73% 5.82%
Cost Of Revenue $60.59M $266.8M $86.51M
YoY Change -29.96% -15.32%
Gross Profit $134.1M $543.1M $122.3M
YoY Change 9.7% 20.61%
Gross Profit Margin 68.88% 67.06% 58.56%
Selling, General & Admin $79.70M $235.7M $81.60M
YoY Change -2.33% 7.27%
% of Gross Profit 59.42% 43.41% 66.74%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $4.900M $18.70M $4.100M
YoY Change 19.51% 10.0%
% of Gross Profit 3.65% 3.44% 3.35%
Operating Expenses $84.70M $328.0M $85.70M
YoY Change -1.17% 6.62%
Operating Profit $49.43M $215.0M $36.57M
YoY Change 35.18% 50.78%
Interest Expense -$12.80M $38.47M -$5.200M
YoY Change 146.15% 94.43%
% of Operating Profit -25.9% 17.89% -14.22%
Other Income/Expense, Net
YoY Change
Pretax Income $36.70M $176.5M $31.30M
YoY Change 17.25% 45.11%
Income Tax $14.20M $64.83M $11.60M
% Of Pretax Income 38.69% 36.73% 37.06%
Net Earnings $22.50M $111.7M $19.71M
YoY Change 14.14% 43.1%
Net Earnings / Revenue 11.56% 13.79% 9.44%
Basic Earnings Per Share $3.38
Diluted Earnings Per Share $0.68 $3.38 $0.60
COMMON SHARES
Basic Shares Outstanding 33.00M
Diluted Shares Outstanding 33.03M 33.01M 33.00M

Balance Sheet

Concept 2014 Q4 2014 2013 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $75.10M $75.10M $47.50M
YoY Change 58.11% 58.11%
Cash & Equivalents $75.11M $75.10M $47.48M
Short-Term Investments
Other Short-Term Assets $42.00M $42.00M $39.60M
YoY Change 6.06% 6.06%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $440.8M $440.8M $390.5M
YoY Change 12.86% 12.88%
LONG-TERM ASSETS
Property, Plant & Equipment $34.00M $34.00M $39.40M
YoY Change -13.71% -13.71%
Goodwill $255.9M $255.9M
YoY Change 0.0% 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $29.50M $29.50M $6.300M
YoY Change 368.25% 368.25%
Total Long-Term Assets $319.4M $319.4M $301.7M
YoY Change 5.89% 5.87%
TOTAL ASSETS
Total Short-Term Assets $440.8M $440.8M $390.5M
Total Long-Term Assets $319.4M $319.4M $301.7M
Total Assets $760.2M $760.2M $692.2M
YoY Change 9.82% 9.82%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $57.30M $57.30M $49.60M
YoY Change 15.52% 15.52%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $64.08M $64.10M $49.61M
YoY Change 29.16% 29.23%
LONG-TERM LIABILITIES
Long-Term Debt $494.2M $494.2M $424.1M
YoY Change 16.52% 16.53%
Other Long-Term Liabilities $0.00 $0.00 $100.0K
YoY Change -100.0% -100.0%
Total Long-Term Liabilities $494.2M $494.2M $424.1M
YoY Change 16.52% 16.5%
TOTAL LIABILITIES
Total Short-Term Liabilities $64.08M $64.10M $49.61M
Total Long-Term Liabilities $494.2M $494.2M $424.1M
Total Liabilities $606.2M $606.2M $519.1M
YoY Change 16.78% 16.78%
SHAREHOLDERS EQUITY
Retained Earnings $156.9M $169.9M
YoY Change -7.7%
Common Stock $294.0K $0.00
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $154.0M $154.0M $173.0M
YoY Change
Total Liabilities & Shareholders Equity $760.2M $760.2M $692.2M
YoY Change 9.83% 9.82%

Cashflow Statement

Concept 2014 Q4 2014 2013 Q4
OPERATING ACTIVITIES
Net Income $22.50M $111.7M $19.71M
YoY Change 14.14% 43.1%
Depreciation, Depletion And Amortization $4.900M $18.70M $4.100M
YoY Change 19.51% 10.0%
Cash From Operating Activities $72.10M $429.9M $122.4M
YoY Change -41.09% -1.92%
INVESTING ACTIVITIES
Capital Expenditures -$3.400M $13.28M -$3.400M
YoY Change 0.0% -10.68%
Acquisitions
YoY Change
Other Investing Activities -$90.70M -$4.000K -$117.8M
YoY Change -23.01% -100.0%
Cash From Investing Activities -$94.20M -$313.1M -$121.0M
YoY Change -22.15% -22.44%
FINANCING ACTIVITIES
Cash Dividend Paid $122.4M
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -300.0K -79.00M -18.10M
YoY Change -98.34% 176.22%
NET CHANGE
Cash From Operating Activities 72.10M 429.9M 122.4M
Cash From Investing Activities -94.20M -313.1M -121.0M
Cash From Financing Activities -300.0K -79.00M -18.10M
Net Change In Cash -22.40M 37.80M -16.70M
YoY Change 34.13% 530.0%
FREE CASH FLOW
Cash From Operating Activities $72.10M $429.9M $122.4M
Capital Expenditures -$3.400M $13.28M -$3.400M
Free Cash Flow $75.50M $416.6M $125.8M
YoY Change -39.98% -1.61%

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CY2014 us-gaap Nature Of Operations
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<div> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2. Nature of the Company </p> <p style="margin-bottom:0pt;margin-top:6pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company operates an internet-based lending platform to serve customers in need of cash to fulfill their financial responsibilities. Through a network of direct and indirect marketing activities, the Company offers funds to its customers through a variety of unsecured consumer loan products. The business is operated strictly through the internet to provide a convenient, fully-automated financial solution to its customers. As of December&#160;31, 2014, the Company offered or arranged loans to customers under the names &#8220;CashNetUSA,&#8221; &#8220;NetCredit&#8221; and &#8220;Headway Capital&#8221; in 35 states in the United States, under the names &#8220;QuickQuid,&#8221; &#8220;Pounds to Pocket&#8221; and &#8220;OnStride Financial&#8221; in the United Kingdom, under the name &#8220;DollarsDirect&#8221; in Australia and Canada, under the name &#8220;Simplic&#8221; in Brazil and under the name &#8220;YouXinYi&#8221; in China. </p> <p style="margin-bottom:0pt;margin-top:12pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company originates, guarantees or purchases consumer and small business loans (collectively referred to as &#8220;consumer loans&#8221; throughout this discussion). Consumer loans provide customers with cash in their bank account or deposited onto a debit card, typically in exchange for an obligation to repay the amount advanced plus fees and/or interest. Consumer loans include short-term loans, line of credit accounts and installment loans. </p> <p style="margin-bottom:0pt;margin-top:12pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Short-term loans include unsecured short-term loans written by the Company or by a third-party lender through the Company&#8217;s credit services organization and credit access business programs (&#8220;CSO programs&#8221; as further described below) that the Company guarantees. Line of credit accounts include draws made through the Company&#8217;s line of credit product. Installment loans are longer-term multi-payment loans that generally require the pay-down of portions of the outstanding principal balance in multiple installments. </p> <p style="margin-bottom:0pt;margin-top:12pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Through the Company&#8217;s CSO programs the Company provides services related to a third-party lender&#8217;s consumer loan products in some markets by acting as a credit services organization or credit access business on behalf of consumers in accordance with applicable state laws. Services offered under the CSO programs include credit-related services such as arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents (&#8220;CSO loans&#8221;). Under the CSO programs, the Company guarantees consumer loan payment obligations to the third-party lender in the event that the customer defaults on the loan. CSO loans are not included in the Company&#8217;s financial statements, but the Company has established a liability for the estimated losses in support of the guarantee on these loans in its consolidated balance sheets. </p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:9pt;">&nbsp;</p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:9pt;">&nbsp;</p></div>
CY2014 us-gaap Use Of Estimates
UseOfEstimates
<div> <p style="margin-bottom:0pt;margin-top:18pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:10pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">Use of Estimates </p> <p style="margin-bottom:0pt;margin-top:6pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The preparation of these financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosure of contingent assets and liabilities, at the dates of the consolidated financial statements and the reported amounts of revenue and expenses during the reporting periods. On an on-going basis, management evaluates its estimates and judgments, including those related to revenue recognition, allowance for losses on consumer loans, goodwill, long-lived and intangible assets, income taxes, contingencies and litigation. Management bases its estimates on historical experience, empirical data and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities. Actual results may differ from these estimates. </p></div>
CY2014 us-gaap Derivatives Methods Of Accounting Hedging Derivatives
DerivativesMethodsOfAccountingHedgingDerivatives
<div> <p style="margin-bottom:0pt;margin-top:18pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:10pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">Hedging and Derivatives Activity </p> <p style="margin-bottom:0pt;margin-top:6pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company periodically uses foreign currency forward contracts, which are considered derivative instruments, to minimize the effects of foreign currency risk in the United Kingdom and Australia related to the operations of the Company. The forward contracts are not designated as hedges as defined by ASC 815,<font style="font-style:italic;"> Derivatives and Hedging</font>; therefore, any changes in the fair value of the forward contracts are recognized in &#8220;Foreign currency transaction loss&#8221; in the consolidated statements of income. See Note&#160;14. </p></div>
CY2014 enva Financing Receivable Period Past Due Considered As Non Performing
FinancingReceivablePeriodPastDueConsideredAsNonPerforming
P60D
us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2014 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2012 us-gaap Other Sales Revenue Net
OtherSalesRevenueNet
1359000
CY2014Q4 enva Loans And Leases Receivable Gross Current
LoansAndLeasesReceivableGrossCurrent
340703000
CY2014Q4 enva Delinquent Payment Amounts
DelinquentPaymentAmounts
5202000
CY2014Q4 enva Spinoff Percentage
SpinoffPercentage
0.80
CY2014Q4 enva Share Received From Spinoff Company
ShareReceivedFromSpinoffCompany
0.915
CY2014Q4 enva Distribution Record Date
DistributionRecordDate
2014-11-03
CY2014Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
7900000
CY2014Q4 us-gaap Cost Method Investments
CostMethodInvestments
6700000
CY2014 enva Deferred Income Tax Assets Valuation Allowance Percentage
DeferredIncomeTaxAssetsValuationAllowancePercentage
0.50
CY2014 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
8000
CY2014 us-gaap Earnings Per Share Basic And Diluted
EarningsPerShareBasicAndDiluted
3.38
CY2013 us-gaap Earnings Per Share Basic And Diluted
EarningsPerShareBasicAndDiluted
2.36
CY2012 us-gaap Earnings Per Share Basic And Diluted
EarningsPerShareBasicAndDiluted
1.78
CY2013 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
764126000
CY2012 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
659569000
CY2014 us-gaap Other Sales Revenue Net
OtherSalesRevenueNet
850000
CY2013 us-gaap Other Sales Revenue Net
OtherSalesRevenueNet
1197000
CY2014 us-gaap Goodwill Translation Adjustments
GoodwillTranslationAdjustments
-7000
CY2014 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
70347000
CY2014 us-gaap Allowance For Loan And Lease Losses Foreign Currency Translation
AllowanceForLoanAndLeaseLossesForeignCurrencyTranslation
-952000
CY2013Q4 enva Accrual For Third Party Lender Owned Consumer Loans
AccrualForThirdPartyLenderOwnedConsumerLoans
2047000
CY2014 enva Cost Of Revenue Third Party Lender Owned
CostOfRevenueThirdPartyLenderOwned
-471000
CY2014Q4 enva Accrual For Third Party Lender Owned Consumer Loans
AccrualForThirdPartyLenderOwnedConsumerLoans
1576000
CY2012Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
82352000
CY2013 us-gaap Allowance For Loan And Lease Losses Foreign Currency Translation
AllowanceForLoanAndLeaseLossesForeignCurrencyTranslation
641000
CY2012Q4 enva Accrual For Third Party Lender Owned Consumer Loans
AccrualForThirdPartyLenderOwnedConsumerLoans
2624000
CY2014Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
5634000
CY2014Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
5595000
CY2014Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
39000
CY2013Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
5604000
CY2013Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
5559000
CY2013Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
45000
CY2014Q4 enva Loans On Non Accrual Status
LoansOnNonAccrualStatus
42654000
CY2014Q4 enva Loans And Leases Receivable Gross Non Performing Loans
LoansAndLeasesReceivableGrossNonPerformingLoans
47856000
CY2014Q4 us-gaap Loans And Leases Receivable Consumer
LoansAndLeasesReceivableConsumer
388559000
CY2014Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
64948000
CY2013Q4 enva Loans And Leases Receivable Gross Current
LoansAndLeasesReceivableGrossCurrent
330922000
CY2013Q4 enva Delinquent Payment Amounts
DelinquentPaymentAmounts
5870000
CY2013Q4 enva Loans On Non Accrual Status
LoansOnNonAccrualStatus
48993000
CY2013Q4 enva Loans And Leases Receivable Gross Non Performing Loans
LoansAndLeasesReceivableGrossNonPerformingLoans
54863000
CY2013Q4 us-gaap Loans And Leases Receivable Consumer
LoansAndLeasesReceivableConsumer
385785000
CY2013Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
82318000
CY2014 enva Cost Of Revenue Company Owned
CostOfRevenueCompanyOwned
267258000
CY2014 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
354023000
CY2012 enva Cost Of Revenue Company Owned
CostOfRevenueCompanyOwned
288134000
CY2012 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
307449000
CY2012 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
40839000
CY2012 us-gaap Allowance For Loan And Lease Losses Foreign Currency Translation
AllowanceForLoanAndLeaseLossesForeignCurrencyTranslation
1774000
CY2011Q4 enva Accrual For Third Party Lender Owned Consumer Loans
AccrualForThirdPartyLenderOwnedConsumerLoans
2284000
CY2012 enva Cost Of Revenue Third Party Lender Owned
CostOfRevenueThirdPartyLenderOwned
340000
CY2014Q4 enva Active Consumer Loans
ActiveConsumerLoans
36300000
CY2013Q4 enva Active Consumer Loans
ActiveConsumerLoans
41400000
CY2014Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
96243000
CY2014Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
62258000
CY2013Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
95875000
CY2013Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
56470000
CY2014 us-gaap Depreciation
Depreciation
18700000
CY2013 us-gaap Depreciation
Depreciation
17000000
CY2012 us-gaap Depreciation
Depreciation
13000000
CY2012Q4 us-gaap Goodwill
Goodwill
255875000
CY2013 us-gaap Goodwill Translation Adjustments
GoodwillTranslationAdjustments
-6000
CY2014 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
0
CY2013 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
100000
CY2012 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
300000
CY2014Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
16000
CY2014Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
13000
CY2014Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
10000
CY2014Q4 us-gaap Accounts Payable Trade Current
AccountsPayableTradeCurrent
25512000
CY2013Q4 us-gaap Accounts Payable Trade Current
AccountsPayableTradeCurrent
18660000
CY2014Q4 us-gaap Employee Related Liabilities Current
EmployeeRelatedLiabilitiesCurrent
17709000
CY2013 enva Cost Of Revenue Third Party Lender Owned
CostOfRevenueThirdPartyLenderOwned
-577000
CY2013Q4 us-gaap Employee Related Liabilities Current
EmployeeRelatedLiabilitiesCurrent
17874000
CY2014Q4 us-gaap Interest Payable Current
InterestPayableCurrent
4063000
CY2014Q4 enva Accrual For Consumer Loan Payments Rejected For Non Sufficient Funds
AccrualForConsumerLoanPaymentsRejectedForNonSufficientFunds
3650000
CY2013Q4 enva Accrual For Consumer Loan Payments Rejected For Non Sufficient Funds
AccrualForConsumerLoanPaymentsRejectedForNonSufficientFunds
4971000
CY2014Q4 enva Deferred Fees On Third Party Consumer Loans
DeferredFeesOnThirdPartyConsumerLoans
3630000
CY2013Q4 enva Deferred Fees On Third Party Consumer Loans
DeferredFeesOnThirdPartyConsumerLoans
4573000
CY2014Q4 us-gaap Guarantee Obligations Current Carrying Value
GuaranteeObligationsCurrentCarryingValue
1576000
CY2013Q4 us-gaap Guarantee Obligations Current Carrying Value
GuaranteeObligationsCurrentCarryingValue
2047000
CY2014Q4 us-gaap Other Accrued Liabilities Current
OtherAccruedLiabilitiesCurrent
1137000
CY2013Q4 us-gaap Other Accrued Liabilities Current
OtherAccruedLiabilitiesCurrent
1451000
CY2014 us-gaap Advertising Expense
AdvertisingExpense
74999000
CY2013 us-gaap Advertising Expense
AdvertisingExpense
74294000
CY2012 us-gaap Advertising Expense
AdvertisingExpense
50776000
CY2014 enva Customer Procurement Expense Including Lead Purchase Costs
CustomerProcurementExpenseIncludingLeadPurchaseCosts
42843000
CY2013 enva Customer Procurement Expense Including Lead Purchase Costs
CustomerProcurementExpenseIncludingLeadPurchaseCosts
52418000
CY2012 enva Customer Procurement Expense Including Lead Purchase Costs
CustomerProcurementExpenseIncludingLeadPurchaseCosts
49381000
CY2014 enva Customer Referral And Revenue Sharing Expense
CustomerReferralAndRevenueSharingExpense
10020000
CY2013 enva Customer Referral And Revenue Sharing Expense
CustomerReferralAndRevenueSharingExpense
8624000
CY2012 enva Customer Referral And Revenue Sharing Expense
CustomerReferralAndRevenueSharingExpense
8653000
CY2014Q2 us-gaap Repayments Of Debt
RepaymentsOfDebt
361400000
CY2014Q2 us-gaap Dividends Payable Current
DividendsPayableCurrent
122400000
CY2014Q2 us-gaap Cash Dividends Paid To Parent Company
CashDividendsPaidToParentCompany
120700000
CY2014Q2 us-gaap Cash Dividends Paid To Parent Company
CashDividendsPaidToParentCompany
1700000
CY2014Q4 us-gaap Longterm Debt Weighted Average Interest Rate
LongtermDebtWeightedAverageInterestRate
0.0811
CY2013Q4 us-gaap Longterm Debt Weighted Average Interest Rate
LongtermDebtWeightedAverageInterestRate
0.0472
CY2014Q4 us-gaap Long Term Debt Maturities Repayments Of Principal After Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive
500000000
CY2014Q4 us-gaap Long Term Debt
LongTermDebt
500000000
CY2014Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
25281000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
31649000
CY2014Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
507000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
2535000
CY2014Q4 enva Deferred Tax Assets Translation Adjustments
DeferredTaxAssetsTranslationAdjustments
3956000
CY2013Q4 enva Deferred Tax Assets Translation Adjustments
DeferredTaxAssetsTranslationAdjustments
759000
CY2014Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
868000
CY2013Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
837000
CY2014Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
30612000
CY2013Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
35780000
CY2014Q4 us-gaap Deferred Tax Liabilities Goodwill And Intangible Assets Intangible Assets
DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets
46010000
CY2013Q4 us-gaap Deferred Tax Liabilities Goodwill And Intangible Assets Intangible Assets
DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets
39334000
CY2014Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
6794000
CY2013Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
9085000
CY2014Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
334000
CY2013Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
1753000
CY2014Q4 us-gaap Deferred Tax Liabilities
DeferredTaxLiabilities
53138000
CY2013Q4 us-gaap Deferred Tax Liabilities
DeferredTaxLiabilities
50172000
CY2014Q4 enva Deferred Tax Assets Liabilities Net Before Valuation Allowance
DeferredTaxAssetsLiabilitiesNetBeforeValuationAllowance
-22526000
CY2013Q4 enva Deferred Tax Assets Liabilities Net Before Valuation Allowance
DeferredTaxAssetsLiabilitiesNetBeforeValuationAllowance
-14392000
CY2014Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
-22526000
CY2013Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
-14392000
CY2014 us-gaap Income Loss From Continuing Operations Before Income Taxes Domestic
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
176494000
CY2013 us-gaap Income Loss From Continuing Operations Before Income Taxes Domestic
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
119974000
CY2012 us-gaap Income Loss From Continuing Operations Before Income Taxes Domestic
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
94349000
CY2014 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign
5000
CY2013 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign
1658000
CY2014 us-gaap Interest Paid
InterestPaid
24807000
CY2014 us-gaap Income Taxes Paid
IncomeTaxesPaid
46353000
CY2013 us-gaap Income Taxes Paid
IncomeTaxesPaid
34829000
CY2012 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign
-1510000
CY2013Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2014Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2014Q4 us-gaap Operating Leases Future Minimum Payments Due In Five Years
OperatingLeasesFutureMinimumPaymentsDueInFiveYears
5885000
CY2014Q4 us-gaap Operating Leases Future Minimum Payments Due Thereafter
OperatingLeasesFutureMinimumPaymentsDueThereafter
41998000
CY2014 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
51144000
CY2013 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
37639000
CY2012 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
35327000
CY2014 us-gaap Current Foreign Tax Expense Benefit
CurrentForeignTaxExpenseBenefit
46000
CY2013 us-gaap Current Foreign Tax Expense Benefit
CurrentForeignTaxExpenseBenefit
56000
CY2012 us-gaap Current Foreign Tax Expense Benefit
CurrentForeignTaxExpenseBenefit
17000
CY2014 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
1753000
CY2013 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
682000
CY2012 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
1049000
CY2014 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
52943000
CY2013 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
38377000
CY2012 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
36393000
CY2014 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
11363000
CY2013 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
5122000
CY2012 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-2399000
CY2014 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
522000
CY2013 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
95000
CY2012 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-27000
CY2014 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
11885000
CY2013 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
5217000
CY2012 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-2426000
CY2012Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2014 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
61781000
CY2013 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
42571000
CY2012 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
32494000
CY2014 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1329000
CY2013 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
505000
CY2012 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
664000
CY2014 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
12000
CY2013 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
871000
CY2013 us-gaap Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance
-457000
CY2012 us-gaap Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance
470000
CY2014 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
1706000
CY2013 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
104000
CY2012 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
339000
CY2014 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.367
CY2013 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.358
CY2012 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.366
CY2014Q4 us-gaap Operating Leases Future Minimum Payments Due Current
OperatingLeasesFutureMinimumPaymentsDueCurrent
3500000
CY2014Q4 us-gaap Operating Leases Future Minimum Payments Due In Two Years
OperatingLeasesFutureMinimumPaymentsDueInTwoYears
3336000
CY2014Q4 us-gaap Operating Leases Future Minimum Payments Due In Three Years
OperatingLeasesFutureMinimumPaymentsDueInThreeYears
5864000
CY2014Q4 us-gaap Operating Leases Future Minimum Payments Due In Four Years
OperatingLeasesFutureMinimumPaymentsDueInFourYears
5023000
CY2014Q4 us-gaap Operating Leases Future Minimum Payments Due
OperatingLeasesFutureMinimumPaymentsDue
65606000
CY2014 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
3700000
CY2013 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
2700000
CY2012 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
2400000
CY2013Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
0
CY2012Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
0
CY2014Q4 us-gaap Derivative Fair Value Of Derivative Liability Amount Not Offset Against Collateral
DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral
0
CY2014 enva Corporate Overhead Allocation Expenses
CorporateOverheadAllocationExpenses
9100000
CY2013 enva Corporate Overhead Allocation Expenses
CorporateOverheadAllocationExpenses
10000000
CY2012 enva Corporate Overhead Allocation Expenses
CorporateOverheadAllocationExpenses
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CY2014Q4 us-gaap Due To Related Parties Current
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CY2013Q4 us-gaap Liabilities Fair Value Disclosure
LiabilitiesFairValueDisclosure
426180000
CY2014Q1 us-gaap Revenues
Revenues
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CY2012 us-gaap Income Taxes Paid
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CY2014 enva Consumer Loans Renewed
ConsumerLoansRenewed
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CY2013 enva Consumer Loans Renewed
ConsumerLoansRenewed
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CY2012 enva Consumer Loans Renewed
ConsumerLoansRenewed
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CY2014 us-gaap Interest Expense Related Party
InterestExpenseRelatedParty
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CY2013 us-gaap Interest Expense Related Party
InterestExpenseRelatedParty
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CY2012 us-gaap Interest Expense Related Party
InterestExpenseRelatedParty
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CY2014 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2014Q4 us-gaap Fair Value Liabilities Level2 To Level1 Transfers Amount
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0
CY2013Q4 us-gaap Fair Value Liabilities Level2 To Level1 Transfers Amount
FairValueLiabilitiesLevel2ToLevel1TransfersAmount
0
CY2014Q4 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
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CY2014Q4 enva Short Term Loans And Line Of Credit Accounts Net Fair Value Disclosure
ShortTermLoansAndLineOfCreditAccountsNetFairValueDisclosure
140905000
CY2014Q4 enva Installment Loans Net Fair Value Disclosure
InstallmentLoansNetFairValueDisclosure
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CY2014Q4 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
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CY2014Q4 us-gaap Notes Payable Fair Value Disclosure
NotesPayableFairValueDisclosure
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CY2014Q4 us-gaap Liabilities Fair Value Disclosure
LiabilitiesFairValueDisclosure
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CY2013Q4 us-gaap Cash And Cash Equivalents Fair Value Disclosure
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CY2013Q4 enva Short Term Loans And Line Of Credit Accounts Net Fair Value Disclosure
ShortTermLoansAndLineOfCreditAccountsNetFairValueDisclosure
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CY2013Q4 enva Installment Loans Net Fair Value Disclosure
InstallmentLoansNetFairValueDisclosure
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CY2013Q4 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
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CY2013Q4 enva Line Of Credit Facility Affiliated Borrowing Amount
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CY2014Q3 us-gaap Revenues
Revenues
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CY2014Q4 us-gaap Revenues
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CY2014Q1 us-gaap Cost Of Revenue
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CY2014Q2 us-gaap Cost Of Revenue
CostOfRevenue
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CY2014Q3 us-gaap Cost Of Revenue
CostOfRevenue
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CY2014Q4 us-gaap Cost Of Revenue
CostOfRevenue
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CY2014Q1 us-gaap Gross Profit
GrossProfit
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CY2014Q2 us-gaap Gross Profit
GrossProfit
134642000
CY2014Q3 us-gaap Gross Profit
GrossProfit
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CY2014Q4 us-gaap Gross Profit
GrossProfit
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CY2014Q1 us-gaap Profit Loss
ProfitLoss
40055000
CY2014Q2 us-gaap Profit Loss
ProfitLoss
30629000
CY2014Q3 us-gaap Profit Loss
ProfitLoss
18485000
CY2014Q4 us-gaap Profit Loss
ProfitLoss
22502000
CY2014Q1 us-gaap Earnings Per Share Diluted
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1.21
CY2014Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.93
CY2014Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.56
CY2014Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.68
CY2014Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33000000
CY2014Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33000000
CY2014Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33000000
CY2014Q4 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33031000
CY2013Q1 us-gaap Revenues
Revenues
182312000
CY2013Q2 us-gaap Revenues
Revenues
176143000
CY2013Q3 us-gaap Revenues
Revenues
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CY2013Q1 us-gaap Cost Of Revenue
CostOfRevenue
67998000
CY2013Q2 us-gaap Cost Of Revenue
CostOfRevenue
70160000
CY2013Q3 us-gaap Cost Of Revenue
CostOfRevenue
90389000
CY2013Q4 us-gaap Cost Of Revenue
CostOfRevenue
86505000
CY2013Q1 us-gaap Gross Profit
GrossProfit
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CY2013Q2 us-gaap Gross Profit
GrossProfit
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CY2013Q3 us-gaap Gross Profit
GrossProfit
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CY2013Q4 us-gaap Gross Profit
GrossProfit
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CY2013Q1 us-gaap Profit Loss
ProfitLoss
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CY2013Q2 us-gaap Profit Loss
ProfitLoss
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CY2013Q3 us-gaap Profit Loss
ProfitLoss
17088000
CY2013Q4 us-gaap Profit Loss
ProfitLoss
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CY2013Q1 us-gaap Earnings Per Share Diluted
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0.69
CY2013Q2 us-gaap Earnings Per Share Diluted
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CY2013Q3 us-gaap Earnings Per Share Diluted
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CY2013Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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CY2013Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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33000000
CY2013Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33000000
CY2013Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33000000
CY2013Q4 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33000000

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