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Enova International, Inc. – ‘10-K’ for 12/31/21 – ‘EX-23.1’

On:  Monday, 2/28/22, at 5:08pm ET   ·   For:  12/31/21   ·   Accession #:  950170-22-2334   ·   File #:  1-35503

Previous ‘10-K’:  ‘10-K’ on 2/26/21 for 12/31/20   ·   Next:  ‘10-K’ on 2/24/23 for 12/31/22   ·   Latest:  ‘10-K’ on 2/23/24 for 12/31/23   ·   28 References:   

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  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/28/22  Enova International, Inc.         10-K       12/31/21  119:26M                                    Donnelley … Solutions/FA

Annual Report   —   Form 10-K

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML   2.37M 
 2: EX-10.12    Material Contract                                   HTML    117K 
 3: EX-10.13    Material Contract                                   HTML    116K 
 4: EX-10.39    Material Contract                                   HTML    631K 
 5: EX-21.1     Subsidiaries List                                   HTML     77K 
 6: EX-23.1     Consent of Expert or Counsel                        HTML     33K 
 7: EX-23.2     Consent of Expert or Counsel                        HTML     32K 
 8: EX-31.1     Certification -- §302 - SOA'02                      HTML     37K 
 9: EX-31.2     Certification -- §302 - SOA'02                      HTML     37K 
10: EX-32.1     Certification -- §906 - SOA'02                      HTML     35K 
11: EX-32.2     Certification -- §906 - SOA'02                      HTML     35K 
17: R1          Document and Entity Information                     HTML    106K 
18: R2          Consolidated Balance Sheets                         HTML    140K 
19: R3          Consolidated Balance Sheets (Parenthetical)         HTML     52K 
20: R4          Consolidated Balance Sheets (Consolidated VIEs)     HTML     79K 
21: R5          Consolidated Statements of Income                   HTML    171K 
22: R6          Consolidated Statements of Comprehensive Income     HTML     82K 
23: R7          Consolidated Statements of Comprehensive Income     HTML     36K 
                (Parenthetical)                                                  
24: R8          Consolidated Statements of Stockholders' Equity     HTML    118K 
25: R9          Consolidated Statements of Cash Flows               HTML    167K 
26: R10         Significant Accounting Policies                     HTML    295K 
27: R11         Acquisitions                                        HTML    133K 
28: R12         Loans and Finance Receivables                       HTML    282K 
29: R13         Property and Equipment                              HTML     94K 
30: R14         Goodwill and Other Intangible Assets                HTML    128K 
31: R15         Accounts Payable and Accrued Expenses               HTML     71K 
32: R16         Marketing Expenses                                  HTML     57K 
33: R17         Leases                                              HTML    134K 
34: R18         Long-term Debt                                      HTML    319K 
35: R19         Income Taxes                                        HTML    330K 
36: R20         Commitments and Contingencies                       HTML     43K 
37: R21         Employee Benefit Plans                              HTML     59K 
38: R22         Stock-Based Compensation                            HTML    198K 
39: R23         Related Party Transactions                          HTML     40K 
40: R24         Variable Interest Entities                          HTML     36K 
41: R25         Supplemental Disclosures of Cash Flow Information   HTML     79K 
42: R26         Operating Segment Information                       HTML     69K 
43: R27         Fair Value Measurements                             HTML    302K 
44: R28         Subsequent Events                                   HTML     35K 
45: R29         Significant Accounting Policies (Policies)          HTML    339K 
46: R30         Significant Accounting Policies (Tables)            HTML    223K 
47: R31         Acquisitions (Tables)                               HTML    109K 
48: R32         Loans and Finance Receivables (Tables)              HTML    280K 
49: R33         Property and Equipment (Tables)                     HTML     90K 
50: R34         Goodwill and Other Intangible Assets (Tables)       HTML    125K 
51: R35         Accounts Payable and Accrued Expenses (Tables)      HTML     70K 
52: R36         Marketing Expenses (Tables)                         HTML     56K 
53: R37         Leases (Tables)                                     HTML    132K 
54: R38         Long-term Debt (Tables)                             HTML    228K 
55: R39         Income Taxes (Tables)                               HTML    320K 
56: R40         Employee Benefit Plans (Tables)                     HTML     46K 
57: R41         Stock-Based Compensation (Tables)                   HTML    180K 
58: R42         Supplemental Disclosures of Cash Flow information   HTML     77K 
                (Tables)                                                         
59: R43         Operating Segment Information (Tables)              HTML     60K 
60: R44         Fair Value Measurements (Tables)                    HTML    290K 
61: R45         Significant Accounting Policies - Additional        HTML    154K 
                Information (Detail)                                             
62: R46         Significant Accounting Policies - Schedule of       HTML     79K 
                Financial Results (Detail)                                       
63: R47         Significant Accounting Policies - Schedule of       HTML     42K 
                Reconciliation of Cash, Cash Equivalents and                     
                Restricted Cash (Detail)                                         
64: R48         Significant Accounting Policies - Schedule of       HTML     46K 
                Property and Equipment Estimated Useful Lives                    
                (Detail)                                                         
65: R49         Significant Accounting Policies - Schedule of       HTML     40K 
                Property and Equipment Estimated Useful Lives                    
                (Detail) (Parenthetical)                                         
66: R50         Significant Accounting Policies - Reconciliation    HTML    100K 
                of Numerators and Denominators of Basic and                      
                Diluted Earnings per Share - (Detail)                            
67: R51         Acquisitions - Additional Information (Detail)      HTML    112K 
68: R52         Acquisitions - Schedule of Allocation of the        HTML     86K 
                Purchase Consideration (Detail)                                  
69: R53         Acquisitions - Schedule of Allocation of the        HTML     48K 
                Purchase Consideration (Parenthetical) (Detail)                  
70: R54         Acquisitions - Schedule of Supplemental Unaudited   HTML     37K 
                Pro Forma Financial Information (Detail)                         
71: R55         Loans and Finance Receivables - Schedule of         HTML     52K 
                Revenue Generated from Loans and Finance                         
                Receivables (Detail)                                             
72: R56         Loans and Finance Receivables - Components of       HTML     59K 
                Company-owned Loans and Finance Receivables At                   
                Fair Value (Detail)                                              
73: R57         Loans and Finance Receivables - Additional          HTML     47K 
                Information (Detail)                                             
74: R58         Loans and Finance Receivables - Schedule of         HTML     63K 
                Changes in Fair Value of Company-owned Loans and                 
                Finance Receivables (Detail)                                     
75: R59         Loans and Finance Receivables - Schedule of         HTML     40K 
                Changes in Fair Value of Company-owned Loans and                 
                Finance Receivables (Parenthetical) (Detail)                     
76: R60         Property and Equipment - Additional information     HTML     36K 
                (Detail)                                                         
77: R61         Property and Equipment - Classifications of         HTML     50K 
                Property and Equipment (Detail)                                  
78: R62         Goodwill and Other Intangible Assets - Summary of   HTML     38K 
                Changes in Carrying Value of Goodwill (Detail)                   
79: R63         Goodwill and Other Intangible Assets - Additional   HTML     62K 
                Information (Detail)                                             
80: R64         Goodwill and Other Intangible Assets - Summary of   HTML     56K 
                Acquired Intangible Assets (Detail)                              
81: R65         Goodwill and Other Intangible Assets - Summary of   HTML     43K 
                Estimated Future Amortization Expense (Detail)                   
82: R66         Accounts Payable and Accrued Expenses - Schedule    HTML     53K 
                of Accounts Payable and Accrued Expenses (Detail)                
83: R67         Marketing Expenses - Schedule of Marketing          HTML     38K 
                Expenses (Detail)                                                
84: R68         Leases - Additional Information (Detail)            HTML     52K 
85: R69         Leases - Lease Expenses (Detail)                    HTML     45K 
86: R70         Leases - Future Minimum Lease Payments (Detail)     HTML     51K 
87: R71         Leases - Weighted Average Remaining Lease Term and  HTML     39K 
                Discount Rate (Detail)                                           
88: R72         Leases - Supplemental Cash Flow Disclosures         HTML     39K 
                Related to Leases (Detail)                                       
89: R73         Long-term Debt - Summary of Long-Term Debt          HTML    130K 
                Instruments and Balances Outstanding (Detail)                    
90: R74         Long-term Debt - Summary of Long-Term Debt          HTML     54K 
                Instruments and Balances Outstanding                             
                (Parenthetical) (Detail)                                         
91: R75         Long-term Debt - Additional Information (Detail)    HTML    301K 
92: R76         Long-term Debt - Schedule of Maturities of          HTML     47K 
                Long-term Debt (Detail)                                          
93: R77         Long-term Debt - Schedule of Maturities of          HTML     45K 
                Long-term Debt (Parenthetical) (Detail)                          
94: R78         Income Taxes - Components of Deferred Tax Assets    HTML     72K 
                and Liabilities (Detail)                                         
95: R79         Income Taxes - Components of Provision for Income   HTML     66K 
                Taxes (Detail)                                                   
96: R80         Income Taxes - Additional Information (Detail)      HTML     66K 
97: R81         Income Taxes - Components of Effective Tax Rate on  HTML     55K 
                Income (Detail)                                                  
98: R82         Income Taxes - Summary of Valuation Allowance       HTML     38K 
                Activity (Detail)                                                
99: R83         Income Taxes - Reconciliation of Activity Related   HTML     48K 
                to Unrecognized Tax Benefits (Detail)                            
100: R84         Commitments and Contingencies - Additional          HTML     37K  
                information (Detail)                                             
101: R85         Employee Benefit Plans - Additional Information     HTML     57K  
                (Detail)                                                         
102: R86         Employee Benefit Plans - Schedule of Amounts        HTML     41K  
                Included in Consolidated Balance Sheets Relating                 
                to NQSP and SERP (Detail)                                        
103: R87         Stock-Based Compensation - Additional Information   HTML     93K  
                (Detail)                                                         
104: R88         Stock-Based Compensation - Summary of RSU Activity  HTML     56K  
                (Detail)                                                         
105: R89         Stock-Based Compensation - Summary of Stock Option  HTML     60K  
                Activity (Detail)                                                
106: R90         Related Party Transactions - Additional             HTML     43K  
                Information (Detail)                                             
107: R91         Supplemental Disclosures of Cash Flow Information   HTML     49K  
                - Schedule of Cash and Non-Cash Activities                       
                (Detail)                                                         
108: R92         Operating Segment Information - Additional          HTML     40K  
                Information (Detail)                                             
109: R93         Operating Segment Information - Summary of          HTML     45K  
                Company's Revenue by Geographical Region (Detail)                
110: R94         Fair Value Measurements - Additional Information    HTML     48K  
                (Detail)                                                         
111: R95         Fair Value Measurements - Fair Value Assets         HTML     55K  
                Measured on Recurring Basis (Detail)                             
112: R96         Fair Value Measurements - Financial Assets and      HTML     37K  
                Liabilities Measured on Recurring Basis                          
                (Parenthetical) (Detail)                                         
113: R97         Fair Value Measurements - Financial Assets and      HTML     73K  
                Liabilities Not Measured at Fair Value (Detail)                  
114: R98         Fair Value Measurements - Financial Assets and      HTML     47K  
                Liabilities Not Measured at Fair Value                           
                (Parenthetical) (Detail)                                         
117: XML         IDEA XML File -- Filing Summary                      XML    219K  
115: XML         XBRL Instance -- enva-20211231_htm                   XML   5.87M  
116: EXCEL       IDEA Workbook of Financial Reports                  XLSX    166K  
15: EX-101.CAL  XBRL Calculations -- enva-20211231_cal               XML    353K 
14: EX-101.DEF  XBRL Definitions -- enva-20211231_def                XML   1.07M 
16: EX-101.LAB  XBRL Labels -- enva-20211231_lab                     XML   2.13M 
13: EX-101.PRE  XBRL Presentations -- enva-20211231_pre              XML   1.64M 
12: EX-101.SCH  XBRL Schema -- enva-20211231                         XSD    297K 
118: JSON        XBRL Instance as JSON Data -- MetaLinks              630±   968K  
119: ZIP         XBRL Zipped Folder -- 0000950170-22-002334-xbrl      Zip    876K  


‘EX-23.1’   —   Consent of Expert or Counsel


This Exhibit is an HTML Document rendered as filed.  [ Alternative Formats ]



  EX-23.1  

Exhibit 23.1

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

 

We consent to the incorporation by reference in Registration Statements on Post-Effective Amendment No.1 on Form S-8 to Form S-4 (No.333-248400), and Form S-8 (Nos. 333-249461, 333-228115, 333-211413, and 333-200929) of our reports dated February 28, 2022, relating to the financial statements of Enova International, Inc. and the effectiveness of Enova International, Inc.’s internal control over financial reporting appearing in this Annual Report on Form 10-K for the year ended December 31, 2021.

 

/s/ DELOITTE & TOUCHE LLP

 

Chicago, IL

February 28, 2022

 

 



Dates Referenced Herein   and   Documents Incorporated by Reference

This ‘10-K’ Filing    Date    Other Filings
Filed on:2/28/22
For Period end:12/31/21ABS-15G
 List all Filings 


3 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/23/24  Enova International, Inc.         10-K       12/31/23  113:21M                                    Donnelley … Solutions/FA
 2/24/23  Enova International, Inc.         10-K       12/31/22  118:27M                                    Donnelley … Solutions/FA
 5/17/22  Enova International, Inc.         S-8         5/17/22    5:107K                                   ActiveDisclosure/FA


25 Previous Filings that this Filing References

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

10/29/21  Enova International, Inc.         10-Q        9/30/21   67:15M                                    ActiveDisclosure/FA
 8/02/21  Enova International, Inc.         10-Q        6/30/21   68:18M                                    ActiveDisclosure/FA
 5/03/21  Enova International, Inc.         8-K:4,8,9   4/28/21   12:190K                                   ActiveDisclosure/FA
 2/26/21  Enova International, Inc.         10-K       12/31/20  124:26M                                    ActiveDisclosure/FA
 7/30/20  Enova International, Inc.         8-K:1,9     7/28/20   11:1.3M                                   ActiveDisclosure/FA
 7/29/20  Enova International, Inc.         10-Q        6/30/20   71:16M                                    ActiveDisclosure/FA
 2/27/20  Enova International, Inc.         10-K       12/31/19  115:24M                                    ActiveDisclosure/FA
 7/31/19  Enova International, Inc.         10-Q        6/30/19   83:18M                                    ActiveDisclosure/FA
 2/27/19  Enova International, Inc.         10-K       12/31/18  119:23M                                    ActiveDisclosure/FA
10/31/18  Enova International, Inc.         10-Q        9/30/18   94:28M                                    ActiveDisclosure/FA
 8/01/18  Enova International, Inc.         10-Q        6/30/18   88:25M                                    ActiveDisclosure/FA
11/17/17  Enova International, Inc.         8-K:5,9    11/14/17    3:1.9M                                   ActiveDisclosure/FA
11/01/17  Enova International, Inc.         10-Q        9/30/17   79:25M                                    ActiveDisclosure/FA
 9/08/17  Enova International, Inc.         8-K:1,2,8,9 9/01/17    3:1.2M                                   ActiveDisclosure/FA
 8/02/17  Enova International, Inc.         10-Q        6/30/17   76:25M                                    ActiveDisclosure/FA
 8/04/16  Enova International, Inc.         10-Q        6/30/16   81:20M                                    ActiveDisclosure/FA
 4/07/16  Enova International, Inc.         DEF 14A     5/17/16    1:992K                                   Donnelley … Solutions/FA
 3/31/16  Enova International, Inc.         8-K:1,5,9   3/30/16    3:102K                                   ActiveDisclosure/FA
 8/11/15  Enova International, Inc.         10-Q        6/30/15   68:14M                                    ActiveDisclosure/FA
11/19/14  Enova International, Inc.         8-K:1,5,8,911/12/14   10:1.1M                                   Donnelley … Solutions/FA
11/14/14  Enova International, Inc.         10-Q        9/30/14    6:4M                                     ActiveDisclosure/FA
10/22/14  Enova International, Inc.         10-12B/A               3:3.7M                                   Donnelley … Solutions/FA
10/17/14  Enova International, Inc.         10-12B/A   10/16/14   10:3.8M                                   Donnelley … Solutions/FA
10/02/14  Enova International, Inc.         10-12B/A              13:5.1M                                   Donnelley … Solutions/FA
 7/31/14  Enova International, Inc.         10-12B                10:5.5M                                   Donnelley … Solutions/FA
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Filing Submission 0000950170-22-002334   –   Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

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