Enova International (ENVA) 10-Q 3 May 17 2017 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2017	May 01, 2017
Document And Entity Information [Abstract]
Entity Registrant Name	Enova International, Inc.
Entity Central Index Key	1,529,864
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Document Type	10-Q
Trading Symbol	ENVA
Document Period End Date	Mar. 31, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Common Stock, Shares Outstanding		33,490,981

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Assets
Cash and cash equivalents	$ 97,030	$ 39,934	$ 112,211
Restricted cash and cash equivalents	25,610	26,306	20,908
Loans and finance receivables, net	515,463	561,550	428,202
Income taxes receivable	3,004		7,436
Other receivables and prepaid expenses	18,059	19,524	18,810
Property and equipment, net	44,279	47,100	45,740
Goodwill	267,011	267,010	267,012
Intangible assets, net	5,136	5,404	6,221
Other assets	9,821	11,051	8,636
Total assets	985,413	977,879	915,176
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	70,485	71,671	74,278
Income taxes currently payable		282
Deferred tax liabilities, net	25,338	14,316	28,879
Long-term debt	631,117	649,911	594,414
Total liabilities	726,940	736,180	697,571
Commitments and contingencies (Note 8)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 33,596,007, 33,196,625 and 33,364,525 shares issued and 33,488,159, 33,158,148 and 33,293,100 outstanding as of March 31, 2017 and 2016 and December 31, 2016, respectively	0	0	0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital	20,766	18,446	11,892
Retained earnings	249,307	235,455	210,716
Accumulated other comprehensive loss	(10,440)	(11,578)	(4,758)
Treasury stock, at cost (107,848, 38,477 and 71,425 shares as of March 31, 2017 and 2016 and December 31, 2016, respectively)	(1,160)	(624)	(245)
Total stockholders' equity	258,473	241,699	217,605
Total liabilities and stockholders' equity	$ 985,413	$ 977,879	$ 915,176

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Restricted cash and cash equivalents	$ 25,610	$ 26,306	$ 20,908
Loans and finance receivables, gross	598,717	660,495	495,906
Allowance for loan losses	83,254	98,945	67,704
Long-term debt	$ 145,449	$ 165,419	$ 113,913
Common stock, par value per share	$ 0.00001	$ 0.00001	$ 0.00001
Common stock, shares authorized	250,000,000	250,000,000	250,000,000
Common stock, shares issued	33,596,007	33,364,525	33,196,625
Common stock, shares outstanding	33,488,159	33,293,100	33,158,148
Preferred stock, par value per share	$ 0.00001	$ 0.00001	$ 0.00001
Preferred stock, shares authorized	25,000,000	25,000,000	25,000,000
Preferred stock, shares issued	0	0	0
Preferred stock, shares outstanding	0	0	0
Treasury stock, shares	107,848	71,425	38,477
Variable Interest Entity, Primary Beneficiary
Restricted cash and cash equivalents	$ 17,815	$ 19,468	$ 13,717
Loans and finance receivables, gross	225,473	234,497	150,427
Allowance for loan losses	17,879	17,731	12,172
Long-term debt	145,449	165,419	113,913
Unamortized debt issuance cost	$ 1,419	$ 1,869	$ 3,714

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Income Statement [Abstract]
Revenue	$ 192,263	$ 174,653
Cost of Revenue	81,884	69,577
Gross Profit	110,379	105,076
Expenses
Marketing	19,583	21,181
Operations and technology	23,531	20,134
General and administrative	25,696	27,925
Depreciation and amortization	3,497	3,987
Total Expenses	72,307	73,227
Income from Operations	38,072	31,849
Interest expense, net	(17,222)	(15,915)
Foreign currency transaction gain	227	1,568
Income before Income Taxes	21,077	17,502
Provision for income taxes	7,225	7,639
Net Income	$ 13,852	$ 9,863
Earnings per common share:
Basic	$ 0.42	$ 0.30
Diluted	$ 0.41	$ 0.30
Weighted average common shares outstanding:
Basic	33,372	33,142
Diluted	34,036	33,187

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2017	Mar. 31, 2016
Statement Of Income And Comprehensive Income [Abstract]
Net Income		$ 13,852	$ 9,863
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)	[1]	1,138	(136)
Total other comprehensive gain (loss), net of tax		1,138	(136)
Comprehensive Income		$ 14,990	$ 9,727
[1]	Net of tax (provision) benefit of $(643) and $77 for the three months ended March 31, 2017 and 2016, respectively.

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Statement Of Income And Comprehensive Income [Abstract]
Tax (provision) benefit of foreign currency translation loss	$ (643)	$ 77

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY (Unaudited) - USD ($) $ in Thousands	Total		Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Treasury Stock
Balance at Dec. 31, 2015	$ 205,968			$ 9,924	$ 200,853	$ (4,622)	$ (187)
Balance, in shares at Dec. 31, 2015			33,151,000				(29,000)
Stock-based compensation expense	1,968			1,968
Shares issued under stock-based plans			46,000
Net income	9,863				9,863
Foreign currency translation gain (loss), net of tax	(136)	[1]				(136)
Purchases of treasury shares, at cost	(58)						$ (58)
Treasury Stock Shares Acquired							(9,000)
Balance at Mar. 31, 2016	$ 217,605			11,892	210,716	(4,758)	$ (245)
Balance, in shares at Mar. 31, 2016	33,196,625		33,197,000				(38,000)
Balance at Dec. 31, 2016	$ 241,699			18,446	235,455	(11,578)	$ (624)
Balance, in shares at Dec. 31, 2016	33,364,525		33,365,000				(71,000)
Stock-based compensation expense	$ 2,320			2,320
Shares issued under stock-based plans			231,000
Net income	13,852				13,852
Foreign currency translation gain (loss), net of tax	1,138	[1]				1,138
Purchases of treasury shares, at cost	(536)						$ (536)
Treasury Stock Shares Acquired							(37,000)
Balance at Mar. 31, 2017	$ 258,473			$ 20,766	$ 249,307	$ (10,440)	$ (1,160)
Balance, in shares at Mar. 31, 2017	33,596,007		33,596,000				(108,000)
[1]	Net of tax (provision) benefit of $(643) and $77 for the three months ended March 31, 2017 and 2016, respectively.

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Cash Flows from Operating Activities
Net Income	$ 13,852	$ 9,863
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	3,497	3,987
Amortization of deferred loan costs and debt discount	1,609	1,779
Cost of revenue	81,884	69,577
Stock-based compensation expense	2,320	1,968
Deferred income taxes, net	10,400	8,459
Other		(1,567)
Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables	9,418	(3,065)
Other receivables and prepaid expenses	1,203	3,274
Accounts payable and accrued expenses	(1,032)	6,250
Current income taxes payable	(3,286)	(1,933)
Net cash provided by operating activities	119,865	98,592
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(273,990)	(276,847)
Loans and finance receivables repaid	228,188	211,177
Change in restricted cash	1,651	(13,717)
Purchases of property and equipment	(2,156)	(2,230)
Other investing activities	1,517	58
Net cash used in investing activities	(44,790)	(81,559)
Cash Flows from Financing Activities
Borrowings under revolving line of credit		10,000
Repayments under revolving line of credit		(68,400)
Borrowings under securitization facility	22,700	135,061
Repayments under securitization facility	(42,670)	(21,148)
Debt issuance costs paid		(3,271)
Treasury shares purchased	(536)	(58)
Net cash (used in) provided by financing activities	(20,506)	52,184
Effect of exchange rates on cash	2,527	928
Net increase in cash and cash equivalents	57,096	70,145
Cash and cash equivalents at beginning of year	39,934	42,066
Cash and cash equivalents at end of period	97,030	112,211
Supplemental Disclosures
Loans and finance receivables renewed	$ 68,183	$ 73,456

Significant Accounting Policies

Significant Accounting Policies	3 Months Ended
	Mar. 31, 2017
Accounting Policies [Abstract]
Significant Accounting Policies	1. Significant Accounting Policies Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America,” now known as FirstCash, Inc. due to its merger with First Cash Financial Services, Inc. on September 1, 2016), formed a new company, Enova International, Inc. (the “Company”). On September 13, 2011, Cash America contributed to the Company all of the stock of its wholly-owned subsidiary, Enova Online Services, Inc., in exchange for 33 million shares of the Company’s common stock. The Company became an independent, publicly traded company on November 13, 2014 when Cash America completed the tax-free spin-off of approximately 80% of the outstanding shares of the Company to holders of Cash America’s common stock (the “Spin-off”). The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The financial statements include goodwill and intangible assets arising from businesses previously acquired. The Company consolidates any variable interest entity (“VIE”) where it has been determined it is the primary beneficiary. The primary beneficiary is the entity which has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance as well as the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. The financial statements presented as of March 31, 2017 and 2016 and for the three-month periods ended March 31, 2017 and 2016 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for three-month period are not necessarily indicative of the results that may be expected for the full fiscal year. 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 channels, the Company offers funds to its customers through a variety of unsecured loan and finance receivable products. The business is operated primarily through the internet to provide convenient, fully-automated financial solutions to its customers. The Company originates, arranges, guarantees or purchases consumer loans and provides financing to small businesses through a line of credit account or receivables purchase agreement product (“RPAs”). Consumer loans include short-term loans, line of credit accounts and installment loans. RPAs represent a right to receive future receivables from a small business. “Loans and finance receivables” include consumer loans, small business lines of credit and RPAs. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2016 and 2015 and for the years ended December 31, 2016, 2015 and 2014 and related notes, which are included on Form 10-K filed with the SEC on February 24, 2017. Restricted Cash The Company includes funds to be used for future debt payments relating to its securitization transactions and escrow deposits in restricted cash and cash equivalents. Revenue Recognition The Company recognizes revenue based on the financing products and services it offers. “Revenue” in the consolidated statements of income includes: interest income, finance charges, fees for services provided through the Company’s credit services organization and credit access business programs (“CSO programs”) (“CSO fees”), revenue on RPAs, service charges, draw fees, minimum billing fees, purchase fees, late fees and non-sufficient funds fees as permitted by applicable laws and pursuant to the agreement with the customer. For short-term loans that the Company offers, interest and finance charges are recognized on an effective yield basis over the term of the loan. For line of credit accounts, interest is recognized over the reporting period based upon the balance outstanding and the contractual interest rate, draw fees are recognized on an effective yield basis over the estimated outstanding period of the draw, and minimum billing fees are recognized when assessed to the customer. For installment loans, interest is recognized on an effective yield basis over the term of the loan. For RPAs, revenue and purchase fees are recognized on an effective yield basis over the projected delivery term of the agreements and fees are recognized when assessed. CSO fees are recognized on an effective yield basis over the term of the loan. Late and nonsufficient funds fees are recognized when assessed to the customer. Direct costs associated with originating loans and purchasing RPAs, such as third-party customer acquisition costs, are deferred and amortized against revenue on an effective yield basis over the term of the loan or Adopted In March 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-09, Improvements to Employee Share-Based Payment Accounting Accounting Standards to be Adopted in Future Periods In January 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20): Clarifying the Scope of Asset Derecognition Guidance and Accounting for Partial Sales of Nonfinancial Assets Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets, Revenue from Contracts with Customers (Topic 606) In January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805) – Clarifying the Definition of a Business In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) Statement of Cash Flows (Topic 230), Restricted Cash Statement of Cash Flows, In June 2016, the FASB issued ASU 2016-13, Measurement of Credit Losses on Financial Instruments In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) In January 2016, the FASB issued ASU 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities (“ASU 2016‑01”), which requires that equity investments, except for those accounted for under the equity method or those that result in consolidation of the investee, be measured at fair value, with subsequent changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. ASU 2016-01 also impacts the presentation and disclosure requirements for financial instruments. ASU 2016-01 is effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted only for certain provisions. The Company does not expect that the adoption of ASU 2016-01 will have a material effect on its consolidated financial statements. In May 2014, the FASB issued ASU 2014-09, which supersedes the revenue recognition requirements in ASC 605, Revenue Recognition. Deferral of the Effective Date Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Identifying Performance Obligations and Licensing Narrow-Scope Improvements and Practical Expedients, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers

Acquisitions

Acquisitions	3 Months Ended
	Mar. 31, 2017
Business Combinations [Abstract]
Acquisitions	2. Acquisitions On June 23, 2015, the Company completed the purchase of certain assets of a company operating as The Business Backer, LLC, which purchases discounted future accounts receivables from small businesses in the United States through RPAs, which provide working capital for small businesses. The total consideration of $26.4 million was comprised of $17.7 million in cash at closing, a $3.0 million promissory note (included in “Accounts payable and accrued expenses” in the consolidated balance sheets) and estimated contingent consideration of $5.7 million based on future earn-out opportunities. The contingent purchase consideration was recorded at its estimated fair value at the date of acquisition based upon the Company’s assessment of the probable earnings attributable to the business as defined in the purchase agreement. To the extent operating results exceed the Company’s estimate, additional contingent consideration would be due, however the total consideration paid may not exceed $71 million. The contingent purchase consideration is revalued each reporting period with changes in fair value of the contingent consideration obligations recognized as a gain or loss on fair value remeasurement in our consolidated statements of income. The fair value of the contingent purchase consideration was remeasured as of December 31, 2016 and a gain from the fair value remeasurement of $3.3 million was recognized. There was no change in fair value measurement of contingent consideration for the three months ended March 31, 2017. This purchase was not material to the Company’s consolidated financial statements. The operating results of the purchased assets, which were not material, have been included in the Company’s consolidated financial statements from the date of acquisition.

Loans and Finance Receivables,

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	3 Months Ended
	Mar. 31, 2017
Receivables [Abstract]
Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	3. Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables Revenue generated from the Company’s loans and finance receivables for the three months ended March 31, 2017 and 2016 was as follows (dollars in thousands): Three Months Ended March 31, 2017 2016 Short-term loans $ 47,423 $ 47,598 Line of credit accounts 59,459 48,973 Installment loans and RPAs 85,083 77,506 Total loans and finance receivables revenue 191,965 174,077 Other 298 576 Total revenue $ 192,263 $ 174,653 Current and Delinquent Loans and Finance Receivables The Company classifies its loans and finance receivables as either current or delinquent. Short-term loans are considered delinquent when payment of an amount due is not made as of the due date. If a line of credit account or installment loan customer misses one payment, that payment is considered delinquent and the balance of the loan is considered current. If a line of credit account or installment loan customer does not make two consecutive payments, the entire account or loan is classified as delinquent and placed on a non-accrual status. The Company allows for normal payment processing time before considering a loan delinquent but does not provide for any additional grace period. The Company does not accrue interest on delinquent loans and does not resume accrual of interest on a delinquent loan unless it is returned to current status. In addition, delinquent loans generally may not be renewed, and if, during its attempt to collect on a delinquent loan, the Company allows additional time for payment through a payment plan or a promise to pay, it is still considered delinquent. Generally, all payments received are first applied against accrued but unpaid interest and fees and then against the principal balance of the loan. Allowance and Liability for Estimated Losses on Loans and Finance Receivables The Company monitors the performance of its loan and finance receivable portfolios and maintains either an allowance or liability for estimated losses on loans and finance receivables (including revenue, fees and/or interest) at a level estimated to be adequate to absorb losses inherent in the portfolio. The allowance for losses on the Company’s owned loans and finance receivables reduces the outstanding loans and finance receivables balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed under its CSO programs is initially recorded at fair value and is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. In determining the allowance or liability for estimated losses on loans and finance receivables, the Company applies a documented systematic methodology. In calculating the allowance or liability for receivable losses, outstanding loans and finance receivables are divided into discrete groups of short-term loans, line of credit accounts, installment loans and RPAs and are analyzed as current or delinquent. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as a “Cost of revenue” in the consolidated statements of income. The allowance or liability for short-term loans classified as current is based on historical loss rates adjusted for recent default trends for current loans. For delinquent short-term loans, the allowance or liability is based on a six-month rolling average of loss rates by stage of collection. For line of credit account, installment loan and RPA portfolios, the Company generally uses either a migration analysis or roll-rate based methodology to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis and roll-rate methodology is based on historical charge-off experience and the loss emergence period, which represents the average amount of time between the first occurrence of a loss event and the charge-off of a loan or RPA. The factors the Company considers to assess the adequacy of the allowance or liability include past due performance, historical behavior of monthly vintages, underwriting changes and recent trends in delinquency in the migration analysis. The roll-rate methodology is based on delinquency status, payment history and recency factors to estimate future charge-offs. The Company fully reserves for loans and finance receivables once the receivable or a portion of the receivable has been classified as delinquent for 60 consecutive days and generally charges off loans and finance receivables between 60 – 65 days delinquent. If a loan or finance receivable is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans and finance receivables classified as delinquent generally have an age of one to 64 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans and finance receivables previously charged to the allowance are credited to the allowance when collected. The components of Company-owned loans and finance receivables at March 31, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): As of March 31, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 33,272 $ 114,820 $ 391,117 $ 539,209 Delinquent receivables: Delinquent payment amounts (1) — 3,869 2,397 6,266 Receivables on non-accrual status 19,933 5,809 27,500 53,242 Total delinquent receivables 19,933 9,678 29,897 59,508 Total loans and finance receivables, gross 53,205 124,498 421,014 598,717 Less: Allowance for losses (15,161 ) (21,765 ) (46,328 ) (83,254 ) Loans and finance receivables, net $ 38,044 $ 102,733 $ 374,686 $ 515,463 As of March 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 36,263 $ 91,482 $ 317,467 $ 445,212 Delinquent receivables: Delinquent payment amounts (1) — 3,105 1,469 4,574 Receivables on non-accrual status 16,118 3,764 26,238 46,120 Total delinquent receivables 16,118 6,869 27,707 50,694 Total loans and finance receivables, gross 52,381 98,351 345,174 495,906 Less: Allowance for losses (11,693 ) (15,284 ) (40,727 ) (67,704 ) Loans and finance receivables, net $ 40,688 $ 83,067 $ 304,447 $ 428,202 As of December 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,516 $ 130,576 $ 413,638 $ 579,730 Delinquent receivables: Delinquent payment amounts (1) — 4,560 2,110 6,670 Receivables on non-accrual status 27,489 9,047 37,559 74,095 Total delinquent receivables 27,489 13,607 39,669 80,765 Total loans and finance receivables, gross 63,005 144,183 453,307 660,495 Less: Allowance for losses (17,770 ) (26,594 ) (54,581 ) (98,945 ) Loans and finance receivables, net $ 45,235 $ 117,589 $ 398,726 $ 561,550 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. See “Current and Delinquent Loans and Finance Receivables” above for additional information. Changes in the allowance for losses for the Company-owned loans and finance receivables and the liability for losses on the Company’s guarantees of third-party lender-owned loans during the three months ended March 31, 2017 and 2016 were as follows (dollars in thousands): Three Months Ended March 31, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 17,770 $ 26,594 $ 54,581 $ 98,945 Cost of revenue 16,274 19,831 46,588 82,693 Charge-offs (24,379 ) (28,464 ) (65,322 ) (118,165 ) Recoveries 5,404 3,804 10,143 19,351 Effect of foreign currency translation 92 — 338 430 Balance at end of period $ 15,161 $ 21,765 $ 46,328 $ 83,254 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,716 $ — $ 280 $ 1,996 Increase in liability (672 ) — (137 ) (809 ) Balance at end of period $ 1,044 $ — $ 143 $ 1,187 Three Months Ended March 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 14,652 $ 15,727 $ 36,943 $ 67,322 Cost of revenue 13,669 16,471 40,011 70,151 Charge-offs (21,576 ) (20,599 ) (42,799 ) (84,974 ) Recoveries 5,036 3,685 6,258 14,979 Effect of foreign currency translation (88 ) — 314 226 Balance at end of period $ 11,693 $ 15,284 $ 40,727 $ 67,704 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,298 $ — $ 458 $ 1,756 Decrease in liability (393 ) — (181 ) (574 ) Balance at end of period $ 905 $ — $ 277 $ 1,182 Guarantees of Consumer Loans In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for short-term and installment loans and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. As of March 31, 2017 and 2016 and December 31, 2016, the amount of consumer loans guaranteed by the Company was $22.5 million, $26.7 million and $32.2 million, respectively, representing amounts due under consumer loans originated by third-party lenders under the CSO programs. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company of $1.2 million, $1.2 million and $2.0 million, as of March 31, 2017 and 2016 and December 31, 2016, respectively, is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. Bank Program Loans In order to leverage its online lending platform, the Company launched a program with a bank in 2016 to provide technology, marketing services, and loan servicing for near-prime unsecured consumer installment loans. Under the program, the Company receives marketing and servicing fees while the bank receives an origination fee. The bank has the ability to sell the loans it originates to the Company. The Company does not guarantee the performance of the loans originated by the bank.

Investment in Unconsolidated In

Investment in Unconsolidated Investee	3 Months Ended
	Mar. 31, 2017
Investments All Other Investments [Abstract]
Investment in Unconsolidated Investee	4. Investment in Unconsolidated Investee The Company records an investment in the preferred stock of a privately-held developing financial services entity under the cost method. The carrying value of the Company’s investment in this unconsolidated investee was $6.7 million as of March 31, 2017 and 2016 and December 31, 2016, and was held in “Other assets” in the Company’s consolidated balance sheets. The Company evaluates this investment for impairment if an event occurs or circumstances change that would more likely than not reduce the fair value of the investment below carrying value. Based on the Company’s evaluation of this investment at March 31, 2017, the Company determined that an impairment loss was not probable at that date.

Long-term Debt

Long-term Debt	3 Months Ended
	Mar. 31, 2017
Debt Disclosure [Abstract]
Long-term Debt	5. Long-term debt The Company’s long-term debt instruments and balances outstanding as of March 31, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): March 31, December 31, 2017 2016 2016 Securitization notes $ 145,449 $ 113,913 $ 165,419 Senior Notes 495,824 495,049 495,622 Subtotal 641,273 608,962 661,041 Less: Long-term debt issuance costs (10,156 ) (14,548 ) (11,130 ) Total long-term debt $ 631,117 $ 594,414 $ 649,911 Consumer Loan Securitization 2016-1 Facility On January 15, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (as amended, the “2016-1 Securitization Facility”) with certain purchasers, Jefferies Funding LLC, as administrative agent (the “Administrative Agent”) and Bankers Trust Company, as indenture trustee and securities intermediary (the “Indenture Trustee”). The 2016-1 Securitization Facility securitizes unsecured consumer installment loans (“Receivables”) that have been, or will be, originated or acquired under the Company’s NetCredit brand and that meet specified eligibility criteria. Under the 2016-1 Securitization Facility, Receivables are sold to EFR 2016-1, LLC, a wholly-owned special purpose subsidiary (the “Issuer”), and serviced by another subsidiary. The Issuer issued an initial term note of $107.4 million (the “Initial Term Note”), which was secured by $134 million in unsecured consumer loans, and variable funding notes (the “Variable Funding Notes”) with an aggregate availability of $20 million per month; the 2016-1 Securitization Facility was amended to increase the availability to $40 million until December 31, 2016, and $30 million thereafter, as discussed below. As described below, the Issuer has issued and will subsequently issue term notes (the “Term Notes” and, together with the Initial Term Note and the Variable Funding Notes, the “Securitization Notes”). The maximum principal amount of the Securitization Notes that may be outstanding at any time under the 2016-1 Securitization Facility was limited to $175 million; the 2016-1 Securitization Facility was amended to increase the maximum principal amount to $275 million, as discussed below. At the end of each month during the nine-month revolving period, the Receivables funded by the Variable Funding Notes have been and will be refinanced through the creation of two Term Notes, which Term Notes have been and will be issued to the holders of the Variable Funding Notes. The non-recourse Securitization Notes mature at various dates, the latest of which will be October 15, 2020 (the “Final Maturity Date”). The 2016-1 Securitization Facility has been amended to extend the revolving period to October 2017 and the latest maturity to October 2021, as discussed below. The Securitization Notes are issued pursuant to an indenture, dated as of January 15, 2016 (the “Closing Date”). The Securitization Notes bear interest at an annual rate equal to the one month London Interbank Offered Rate (“LIBOR”) (subject to a floor of 1%) plus 7.75%, which rate is initially 8.75%. In addition, the Issuer paid certain customary upfront closing fees and will pay customary annual commitment and other fees to the purchasers under the 2016-1 Securitization Facility. The Issuer is permitted to voluntarily prepay any outstanding Securitization Notes, subject to an optional redemption premium. Interest and principal payments on outstanding Securitization Notes are made monthly. Any remaining amounts outstanding will be payable no later than the Final Maturity Date. All amounts due under the Securitization Notes are secured by all of the Issuer’s assets, which include the Receivables transferred to the Issuer, related rights under the Receivables, specified bank accounts, and certain other related collateral. The 2016-1 Securitization Facility documents contain customary provisions for securitizations, including: representations and warranties as to the eligibility of the Receivables and other matters; indemnification for specified losses not including losses due to the inability of consumers to repay their loans; covenants regarding special purpose entity matters and other subjects; and default and termination provisions which provide for the acceleration of the Securitization Notes under the 2016-1 Securitization Facility in circumstances including, but not limited to, failure to make payments when due, servicer defaults, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the receivables, defaults under other material indebtedness and certain regulatory matters. The agreements evidencing the 2016-1 Facility, all dated as of the Closing Date, include (i) an Indenture between the Issuer and the Indenture Trustee, (ii) a Note Purchase Agreement among the Issuer, NetCredit Loan Services, LLC (f/k/a Enova Lending Services, LLC), as the Master Servicer, the Administrative Agent and certain purchasers, and (iii) a Receivables Purchase Agreement between the Company and Enova Finance 5, LLC. On July 26, 2016, the Company and certain of its subsidiaries entered into a First Omnibus Amendment (the “First Amendment”) of the 2016-1 Facility that was established on the Closing Date, pursuant to various agreements with certain purchasers, the Administrative Agent and the Indenture Trustee. The First Amendment effected a variety of minor technical changes to the Indenture, the Note Purchase Agreement, the Receivables Purchase Agreement and the servicing agreement for the 2016-1 Facility. These changes included revised procedures under the Note Purchase Agreement for the disbursement to the Issuer of proceeds from draws under the Variable Funding Notes and clarification of modifications that the servicer is permitted to effect to the terms of the Receivables that have been transferred into the EFR 2016-1 Facility. On August 17, 2016, the Company and one of its subsidiaries entered into an Amendment to the Receivables Purchase Agreement. This amendment modified an eligibility criterion for Receivables that the Company sells under the Agreement. On September 12, 2016, the Company and certain of its subsidiaries entered into a Second Omnibus Amendment (the “Second Amendment”) to amend the Indenture and the Receivables Purchase Agreement. The Second Amendment authorized the Company to include in the 2016-1 Facility Receivables originated by a state-chartered bank and acquired by a subsidiary of the Company from that bank, and it adjusted the Investment Pool Cumulative Net Loss Trigger for the Initial Term Note Investment Pool (as such terms are defined in the Indenture), which was the seasoned pool of receivables securitized under the 2016-1 Facility on the Closing Date. On October 20, 2016, the Company and certain of its subsidiaries entered into a Third Amendment and Limited Waiver (the “Third Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Third Amendment increased the maximum principal amount of the 2016-1 Facility to $275 million, increased the Variable Funding Notes maximum principal amount to $40 million until December 31, 2016, and $30 million thereafter, and extended the revolving period of the facility to October 2017. The Third Amendment also adjusted the Note Interest Rate on Term Notes issued after, and amounts outstanding under the Variable Funding Notes after, the date of the Third Amendment (as such terms are defined in the Indenture). The weighted average interest rate on such adjusted Notes is 9.5%. On November 14, 2016, the Company and certain of its subsidiaries entered into a Fourth Amendment (the “Fourth Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Fourth Amendment adjusted the Investment Pool Cumulative Delinquency Trigger (as such term is defined in the Indenture), with an effective date of October 31, 2016. On December 14, 2016, the Company and certain of its subsidiaries entered into a Fifth Amendment (the “Fifth Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Fifth Amendment adjusted the Investment Pool Cumulative Delinquency Trigger (as such term is defined in the Indenture) for the Initial Term Notes, with an effective date of November 30, 2016, expanded the categories of Receivables that could be financed through the 2016-1 Facility and made certain other minor changes. These changes provide the Company with additional flexibility under the 2016-1 Facility. As of March 31, 2017 and 2016, the carrying amount of the 2016-1 Securitization Facility was $131.9 million and $110.2 million, respectively, which included unamortized issuance costs of $1.4 million and $3.7 million, respectively. The issuance costs are being amortized to interest expense over a period of four years. The total interest expense recognized was $3.9 million and $3.1 million of which $0.6 million and $1.0 million represented the non-cash amortization of the issuance costs for the three months ended March 31, 2017 and 2016, respectively. 2016-2 Facility On December 1, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (the “2016-2 Facility”) with Redpoint Capital Asset Funding, LLC, as lender (the “Lender”). The 2016-2 Facility securitizes unsecured consumer installment loans (“Redpoint Receivables”) that have been and will be originated or acquired under the Company’s NetCredit brand by several of the Company’s subsidiaries (the “Originators”) and that meet specified eligibility criteria, including that the annual percentage rate for each securitized consumer loan is greater than or equal to 90%. Under the 2016-2 Facility, Redpoint Receivables are sold to a wholly-owned special purpose subsidiary of the Company (the “Debtor”) and serviced by another subsidiary of the Company. The Debtor has issued a revolving note with an initial maximum principal balance of $20.0 million (the “Initial Facility Size”), which is required to be secured by $25.0 million in unsecured consumer loans. The Initial Facility Size may be increased under the 2016-2 Facility to $40 million. The 2016-2 Facility is non-recourse to the Company and matures on December 1, 2019. The 2016-2 Facility is governed by a loan and security agreement, dated as of December 1, 2016, between the Lender and the Debtor. The 2016-2 Facility bears interest at a rate per annum equal to LIBOR (subject to a floor) plus an applicable margin, which rate per annum was initially 12.50%. In addition, the Debtor paid certain customary upfront closing fees to the Lender. Interest payments on the 2016-2 Facility will be made monthly. Subject to certain exceptions, the Debtor is not permitted to prepay the 2016-2 Facility prior to October 1, 2018. Following such date, the Debtor is permitted to voluntarily prepay the 2016-2 Facility without penalty. Any remaining amounts outstanding will be payable no later than December 1, 2019. All amounts due under the 2016-2 Facility are secured by all of the Debtor’s assets, which include the Redpoint Receivables transferred to the Debtor, related rights under the Redpoint Receivables, a bank account and certain other related collateral. The 2016-2 Facility documents contain customary provisions for securitizations, including: representations and warranties as to the eligibility of the Redpoint Receivables and other matters; indemnification for specified losses not including losses due to the inability of consumers to repay the related Receivables; and default and termination provisions which provide for the acceleration of the 2016-2 Facility in circumstances including, but not limited to, failure to make payments when due, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the receivables and defaults under other material indebtedness of the Debtor. As of March 31, 2017, the carrying amount of the 2016-2 Facility was $12.1 million. In connection with the issuance of the 2016-2 Facility, the Company incurred debt issuance costs of approximately $0.2 million. The unamortized balance of these costs as of March 31, 2017 is included in “Other assets” in the consolidated balance sheets. These costs are being amortized to interest expense over a period of 36 months, the term of the 2016-2 Facility. The total interest expense recognized was $0.5 million for the three months ended March 31, 2017. $35.0 Million Revolving Credit Facility On May 14, 2014, the Company and certain of its subsidiaries as guarantors entered into a credit agreement among the Company, the guarantors, Jefferies Finance LLC as administrative agent and Jefferies Group LLC as lender (the “Credit Agreement”). The Credit Agreement was amended on March 25, 2015 and November 5, 2015. On December 29, 2015, the Company and certain of its subsidiaries, as guarantors, entered into a third amendment to the Credit Agreement, which temporarily increased the Company’s revolving line of credit to $75 million, an increase of $15.0 million ($5.0 million on December 29, 2015 and $10.0 million on January 4, 2016). Once the Company received the proceeds from the consumer loan securitization financing in January 2016, it repaid the outstanding balance on the revolving line of credit in full and, in accordance with the terms of the amendment, the revolving commitment amount was reduced to $40.0 million. On June 30, 2016, the Company and certain of its subsidiaries, as guarantors, entered into a fourth amendment to the Credit Agreement, which increased the maximum allowable leverage ratio (as defined in the credit agreement) for the fiscal quarter ended June 30, 2016 to 4.00 to 1.00 (from 3.00 to 1.00) and for the fiscal quarters ended September 30, 2016 and December 31, 2016 to 3.50 to 1.00 (in each case, from 3.00 to 1.00). On September 30, 2016, the Company and certain of its subsidiaries, as guarantors, entered into a fifth amendment to the Credit Agreement, which increased the maximum allowable leverage ratio (as defined in the credit agreement) for the fiscal quarters ended September 30, 2016 and thereafter to 4.25 to 1.00 (from 3.50 to 1.00) and decreased the Company’s unsecured revolving line of credit by $5.0 million from $40.0 million to $35.0 million. The Credit Agreement will mature on June 30, 2017, and the Company is actively reviewing and intends to replace the existing facility on or before the maturity date. The Company had no outstanding borrowings under the Credit Agreement as of March 31, 2017 and 2016 and December 31, 2016. The Credit Agreement also includes a sub-limit of up to $20.0 million for standby or commercial letters of credit. In the event that an amount is paid by the issuing bank under a letter of credit, it will be due and payable by the Company on demand. The Company had outstanding letters of credit of $6.0 million under its Credit Agreement as of March 31, 2017 and $6.6 million as of each of March 31, 2016 and December 31, 2016. In connection with the issuance of the Credit Agreement, as amended, the Company incurred debt issuance costs of approximately $1.6 million, which primarily consisted of underwriting fees and legal expenses. The unamortized balance of these costs as of March 31, 2017 is included in “Other assets” in the consolidated balance sheets. These costs are being amortized to interest expense over a period of 37 months, the term of the Credit Agreement. $500.0 Million 9.75% Senior Unsecured Notes On May 30, 2014, the Company issued and sold $500.0 million in aggregate principal amount of 9.75% Senior Notes due 2021 (the “Senior Notes”). The Senior Notes bear interest at a rate of 9.75% annually on the principal amount payable semi-annually in arrears on June 1 and December 1 of each year, beginning on December 1, 2014. The Senior Notes were sold at a discount of the principal amount to yield 10.0% to maturity and will mature on June 1, 2021. As of March 31, 2017 and 2016, the carrying amount of the Senior Notes was $487.1 million and $484.2 million, respectively, which included an unamortized discount of $4.2 million and $5.0 million, respectively, and unamortized issuance costs of $8.7 million and $10.8 million, respectively. The discount and issuance costs are being amortized to interest expense over a period of seven years, through the maturity date of June 1, 2021. The total interest expense recognized was $12.9 million for each of the three months ended March 31, 2017 Weighted-average interest rates on long-term debt were 10.79% and 10.81% during the three months ended March 31, 2017 and 2016, respectively. As of March 31, 2017 and 2016 and

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2017
Earnings Per Share [Abstract]
Earnings Per Share	6. Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the period. Restricted stock units issued under the Company’s stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three months ended March 31, 2017 and 2016 (in thousands, except per share amounts): Three Months Ended March 31, 2017 2016 Numerator: Net income $ 13,852 $ 9,863 Denominator: Total weighted average basic shares 33,372 33,142 Shares applicable to stock-based compensation 664 45 Total weighted average diluted shares 34,036 33,187 Earnings per share: Net income per share – basic $ 0.42 $ 0.30 Net income per share – diluted $ 0.41 $ 0.30 For the three months ended March 31, 2017 and 2016

Operating Segment Information

Operating Segment Information	3 Months Ended
	Mar. 31, 2017
Segment Reporting [Abstract]
Operating Segment Information	7. Operating Segment Information The Company provides online financial services to alternative credit consumers and small businesses in the United States, United Kingdom and Brazil and has one reportable segment, which is composed of the Company’s domestic and international operations and corporate services. Corporate services primarily includes personnel, occupancy and other operating expenses for shared functions, such as executive management, technology, analytics, business development, legal and licensing, compliance, risk management, internal audit, human resources, payroll, treasury, finance, accounting, and tax. Corporate Services assets primarily include: corporate property and equipment, nonqualified savings plan assets, marketable securities, restricted cash and prepaid expenses. The following tables present information on the Company’s domestic, international operations and corporate services as of and for the three months ended March 31, 2017 and 2016 (dollars in thousands): Three Months Ended March 31, 2017 2016 Revenue Domestic $ 164,669 $ 143,428 International 27,594 31,225 Total revenue $ 192,263 $ 174,653 Income (Loss) from operations Domestic $ 62,070 $ 55,582 International 2,194 3,151 Corporate services (26,192 ) (26,884 ) Total income from operations $ 38,072 $ 31,849 Depreciation and amortization Domestic $ 1,526 $ 1,582 International 379 605 Corporate services 1,592 1,800 Total depreciation and amortization $ 3,497 $ 3,987 Expenditures for property and equipment Domestic $ 611 $ 769 International 1,085 804 Corporate services 460 657 Total expenditures for property and equipment $ 2,156 $ 2,230 March 31, 2017 2016 Property and equipment, net Domestic $ 18,327 $ 15,696 International 6,006 5,562 Corporate services 19,946 24,482 Total property and equipment, net $ 44,279 $ 45,740 Assets Domestic $ 826,348 $ 707,176 International 102,819 114,858 Corporate services 56,246 93,142 Total assets $ 985,413 $ 915,176 Geographic Information The following table presents the Company’s revenue by geographic region for the three months ended March 31, 2017 and 2016 (dollars in thousands): Three Months Ended March 31, 2017 2016 Revenue United States $ 164,669 $ 143,428 United Kingdom 24,443 25,909 Other international countries 3,151 5,316 Total revenue $ 192,263 $ 174,653 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $44.3 million and $45.7 million at March 31, 2017 and 2016, respectively. The operations for the Company’s domestic and international businesses are primarily located within the United States, and the value of any long-lived assets located outside of the United States is immaterial.

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2017
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	8. Commitments and Contingencies Litigation On March 8, 2013, Flemming Kristensen, on behalf of himself and others similarly situated, filed a purported class action lawsuit in the U.S. District Court of Nevada against the Company and other unaffiliated lenders and lead providers. The lawsuit alleges that the lead provider defendants sent unauthorized text messages to consumers on behalf of the Company and the other lender defendants in violation of the Telephone Consumer Protection Act. The complaint seeks class certification, statutory damages, an injunction against “wireless spam activities,” and attorneys’ fees and costs. The Company filed an answer to the complaint denying all liability. On March 26, 2014, the Court granted class certification. On July 20, 2015, the court granted the Company’s motion for summary judgment, denied Plaintiff’s motion for summary judgment and, on July 21, 2015, entered judgment in favor of the Company. Plaintiff filed a motion for reconsideration, which was denied. On May 3, 2016, Plaintiff filed a notice of appeal of the order granting summary judgment for the Company, the judgment in favor of the company, and the order denying Plaintiff’s motion to reconsider. Appellate briefing is now complete. Neither the likelihood of an unfavorable appellate decision nor the ultimate liability, if any, with respect to this matter can be determined at this time, and the Company is currently unable to estimate a range of reasonably possible losses, as defined by ASC 450-20-20, Contingencies–Loss Contingencies–Glossary, for this litigation. The Company believes that the Plaintiff’s claims in the complaint are without merit and intends to vigorously defend this lawsuit. The Company is also a defendant in certain routine litigation matters encountered in the ordinary course of its business. Certain of these matters may be covered to an extent by insurance. In the opinion of management, the resolution of these matters will not have a material adverse effect on the Company’s financial position, results of operations or liquidity. Headquarters Relocation During 2014 the Company accelerated the lease expiration date for approximately 86,000 rentable square feet at its prior headquarters office space effective June 30, 2015. The Company relocated to its current headquarters in 2015 and recognized an expense of $3.7 million which was included as “General and administrative expense” and consisted of a lease exit liability of $2.9 million for the remaining lease payments, net of estimated sublease income of $1.7 million, and $0.8 million for the removal of property and restoration costs related to the prior headquarters lease. The Company does not expect to incur further material costs related to the relocations. The following table is a summary of the exit and disposal activity and liability balances as a result of the headquarters relocation for the three months ended March 31, 2017 and the twelve months ended December 31, 2016 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (1,132 ) — (1,132 ) Adjustments 344 (69 ) 275 Balance at December 31, 2016 $ 637 $ 135 $ 772 Balance at January 1, 2017 $ 637 $ 135 $ 772 Payments (446 ) (9 ) (455 ) Adjustments (83 ) (126 ) (209 ) Balance at March 31, 2017 $ 108 $ — $ 108

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2017
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivative Instruments	9 . Derivative Instruments The Company has periodically used derivative instruments to manage risk from changes in market conditions that may affect the Company’s financial performance. The Company has primarily used derivative instruments to manage its primary market risks, which are interest rate risk and foreign currency exchange rate risk. The Company has periodically used forward currency exchange contracts to minimize the effects of foreign currency risk in the United Kingdom. The forward currency exchange contracts are non-designated derivatives. Any gain or loss resulting from these contracts is recorded as income or loss and is included in “Foreign currency transaction gain” in the Company’s consolidated statements of income. As of March 31, 2017, the Company did not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in the United Kingdom or Brazil. The Company had no outstanding derivative instruments as of March 31, 2017 and 2016 and December 31, 2016. The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended March 31, 2017 and 2016 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Three Months Ended Three Months Ended Three Months Ended March 31, March 31, March 31, 2017 2016 2017 2016 2017 2016 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 3,020 $ — $ — $ — $ — Total $ — $ 3,020 $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Related Party Transactions

Related Party Transactions	3 Months Ended
	Mar. 31, 2017
Related Party Transactions [Abstract]
Related Party Transactions	10. Related Party Transactions A current officer of the Company has an ongoing ownership interest in the small business from which the Company acquired certain assets and assumed certain liabilities in June 2015 (see Note 2 for additional information). In the normal course of business, the Company attains certain customer relationships from the small business by entering into transactions with the customers to provide additional RPA financing. In these transactions, the Company satisfies the customer’s existing RPA balance with the small business which terminates such customer’s responsibilities to the small business. During the three months ended March 31, 2017 the Company did not attain any relationships through these transactions with the small business. During the three months ended March 31, 2016, the Company paid $0.3 million to the small business to satisfy customers’ existing RPA balances. Pursuant to the acquisition, a subsidiary of the Company issued a promissory note to the small business in the amount of $3.0 million (the “Promissory Note”) and granted the company an opportunity to earn certain contingent purchase consideration (see Note 2 for additional information), both of which are guaranteed by the Company. The Promissory Note accrues interest at a rate of 4.0% per annum and will mature on June 23, 2018. During the three months ended March 31, 2017 and 2016, the Company incurred interest expense of $31 thousand and $30 thousand, respectively, related to the Promissory Note. In addition, as a condition precedent to the acquisition, a subsidiary of the Company executed a Transition Services Agreement with the small business from which the Company acquired certain assets whereby it agreed to provide certain transition services to the business for three years following the acquisition. During the three months ended March 31, 2017 and 2016, the Company was paid $7 thousand and $37 thousand, respectively, for such services. The Company and Cash America entered into an agreement in conjunction with the Spin-off for the Company to administer the consumer loan underwriting model utilized by Cash America’s Retail Services Division in exchange for a fee per transaction paid to the Company as well as the reimbursement of the Company’s direct third-party costs incurred in providing the service. The Company received $0.2 million for each of the three months ended March 31, 2017 and 2016, respectively, pursuant to this agreement. Since May 30, 2014, amounts due from or due to Cash America or FirstCash have been settled a month in arrears. The balance due from Cash America of $0.1 million as of March 31, 2016 March 31, 2017 December 31, 2016

Variable Interest Entities

Variable Interest Entities	3 Months Ended
	Mar. 31, 2017
Variable Interest Entities [Abstract]
Variable Interest Entities	11. Variable Interest Entities As part of the Company’s overall funding strategy and as part of its efforts to support its liquidity from sources other than its traditional capital market sources, the Company has established a securitization program through the 2016-1 and 2016-2 Securitization Facilities. The Company transferred certain consumer loan receivables to wholly owned, bankruptcy-remote special purpose subsidiaries (VIEs), which issue term notes backed by the underlying consumer loan receivables and are serviced by another wholly owned subsidiary. The Company is required to evaluate the VIEs for consolidation. The Company has the ability to direct the activities of the VIEs that most significantly impact the economic performance of the entities as the servicer of the securitized loan receivables. Additionally, the Company has the right to receive residual payments, which expose it to potentially significant losses and returns. Accordingly, the Company determined it is the primary beneficiary of the VIEs and is required to consolidate them. The assets and liabilities related to the VIEs are included in the Company’s consolidated financial statements and are accounted for as secured borrowings. The Company parenthetically discloses on its consolidated balance sheets the VIE’s assets that can only be used to settle the VIE’s obligations and the VIE liabilities if the VIE’s creditors have no recourse against the Company’s general credit. The carrying amounts of consolidated VIE assets and liabilities associated with the Company’s securitization entities were as follows (dollars in thousands): March 31, December 31, 2017 2016 2016 Assets Restricted cash and cash equivalents $ 17,815 $ 13,717 $ 19,468 Loans and finance receivables, net 207,594 138,255 216,766 Other receivables and prepaid expenses 3 — 3 Other assets 2,325 — 2,459 Total assets $ 227,737 $ 151,972 $ 238,696 Liabilities Accounts payable and accrued expenses $ 1,223 $ 591 $ 1,350 Long-term debt 144,030 110,199 163,550 Total liabilities $ 145,253 $ 110,790 $ 164,900

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2017
Fair Value Disclosures [Abstract]
Fair Value Measurements	12. Fair Value Measurements Recurring Fair Value Measurements In accordance with ASC 820, Fair Value Measurements and Disclosures, certain of the Company’s assets and liabilities, which are carried at fair value, are classified in one of the following three categories: Level 1: Quoted market prices in active markets for identical assets or liabilities. Level 2: Observable market based inputs or unobservable inputs that are corroborated by market data. Level 3: Unobservable inputs that are not corroborated by market data. During the three months ended March 31, 2017 and 2016, there were no transfers of assets or liabilities in or out of Level 1, Level 2 or Level 3 fair value measurements. It is the Company’s policy to value any transfers between levels of the fair value hierarchy based on end of period fair values. The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of March 31, 2017 and 2016 and December 31, 2016 are as follows (dollars in thousands): March 31, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,352 1,352 — — Contingent consideration (2,358 ) — — (2,358 ) Total $ (1,006 ) $ 1,352 $ — $ (2,358 ) March 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,545 1,545 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,113 ) $ 1,545 $ — $ (5,658 ) December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,590 1,590 — — Contingent consideration (2,358 ) — — (2,358 ) Total $ (768 ) $ 1,590 $ — $ (2,358 ) (1) The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets. The Company determined the fair value of the liability for the contingent consideration based on a probability-weighted discounted cash flow analysis. This analysis reflects the contractual terms of the purchase agreement and utilizes assumptions with regard to future earnings, probabilities of achieving such future earnings, the timing of expected payments and a discount rate. Significant increases with respect to assumptions as to future earnings and probabilities of achieving such future earnings would result in a higher fair value measurement while an increase in the discount rate would result in a lower fair value measurement. The fair value measurement is based on significant inputs not observable in the market and thus represents a Level 3 measurement as defined in the fair value hierarchy. The changes in the fair value of the contingent consideration, which is Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2015 $ 5,658 $ 5,658 Adjustments — — Balance at March 31, 2016 $ 5,658 $ 5,658 Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2016 $ 2,358 $ 2,358 Adjustments — — Balance at March 31, 2017 $ 2,358 $ 2,358 Fair Value Measurements on a Non-Recurring Basis The Company measures non-financial assets and liabilities such as property and equipment and intangible assets at fair value on a non-recurring basis or when events or circumstances indicate that the carrying amount of the assets may be impaired. At March 31, 2017 and 2016 and December 31, 2016 Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of March 31, 2017 and 2016 and December 31, 2016 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at March 31, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 97,030 $ 97,030 $ — $ — Short-term loans and line of credit accounts, net (1) 140,777 — — 140,777 Installment loans and RPAs, net (1)(4) 374,686 — — 409,169 Restricted cash (5) 25,610 25,610 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 644,806 $ 122,640 $ — $ 556,649 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,187 $ — $ — $ 1,187 Promissory note 3,000 — — 3,149 Securitization Notes 145,449 — 147,855 — Senior Notes 495,824 — 512,125 — Total $ 645,460 $ — $ 659,980 $ 4,336 Balance at March 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 112,211 $ 112,211 $ — $ — Short-term loans and line of credit accounts, net (1) 123,755 — — 123,755 Installment loans and RPAs, net (1)(4) 304,447 — — 283,871 Restricted cash (5) 20,908 20,908 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 568,024 $ 133,119 $ — $ 414,329 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,182 $ — $ — $ 1,182 Promissory note 3,000 — — 3,019 Securitization Notes 113,913 — 113,913 — Senior Notes 495,049 — 371,500 — Total $ 613,144 $ — $ 485,413 $ 4,201 Balance at December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 39,934 $ 39,934 $ — $ — Short-term loans and line of credit accounts, net (1) 162,824 — — 162,824 Installment loans and RPAs, net (1)(4) 398,726 — — 430,895 Restricted cash (5) 26,306 26,306 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 634,493 $ 66,240 $ — $ 600,422 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,996 $ — $ — $ 1,996 Promissory note 3,000 — — 3,111 Securitization Notes 165,419 — 168,216 — Senior Notes 495,622 — 495,940 — Total $ 666,037 $ — $ 664,156 $ 5,107 (1) Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets. (2) Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets. (3) See Note 4 for additional information related to the investment in unconsolidated investee. (4) Installment loan and RPAs, net include $207.6 million, $138.3 million and $216.8 million in net assets of consolidated VIEs as of March 31, 2017 and 2016 and December 31, 2016, respectively. (5) Restricted cash includes $17.8 million, $13.7 million and $19.5 million in assets of consolidated VIEs as of March 31, 2017 and 2016 and December 31, 2016, respectively. Cash and cash equivalents and restricted cash bear interest at market rates and have original maturities of less than 90 days. The carrying amount of restricted cash and cash equivalents approximates fair value. Short-term loans, line of credit accounts, installment loans and RPAs are carried in the consolidated balance sheet net of the allowance for estimated losses, which is calculated by applying historical loss rates combined with recent default trends to the gross receivable balance. Short-term loans and line of credit accounts have relatively short maturity periods that are generally 12 months or less. The unobservable inputs used to calculate the fair value of these receivables include historical loss rates, recent default trends and estimated remaining loan term; therefore, the carrying value approximates the fair value. The fair value of installment loans and RPAs is estimated using discounted cash flow analyses, which consider interest rates on loans and discounts offered for receivables with similar terms to customers with similar credit quality, the timing of expected payments, estimated customer default rates and/or valuations of comparable portfolios. As of March 31, 2017 and December 31, 2016, the fair value of the Company’s installment loans and RPAs was greater than the carrying value of these loans and finance receivables, and as of March 31, 2016, the fair value of the Company’s installment loans and RPAs was lower than the carrying value of these loans and finance receivables. This variance is a result of a change in the valuation technique used for certain portions of the installment loan and RPA portfolio. Unsecured installment loans typically have terms between two and 60 months. RPAs typically have estimated delivery terms between six and 18 months. The Company measures the fair value of its investment in unconsolidated investee using Level 3 inputs. Because the unconsolidated investee is a private company and financial information is limited, the Company estimates the fair value based on the best available information at the measurement date. As of March 31, 2017 and 2016 and December 31, 2016 the Company estimated the fair value of its investment to be approximately equal to the book value. In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for short-term and installment loans the Company arranges for consumers on the third-party lenders’ behalf and is required to purchase any defaulted loans it has guaranteed. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company was $1.2 million, $1.2 million and $2.0 million as of March 31, 2017 and 2016 and December 31, 2016, respectively. The Company measures the fair value of its liability for third-party lender-owned consumer loans under Level 3 inputs. The fair value of these liabilities is calculated by applying historical loss rates combined with recent default trends to the gross consumer loan balance. The unobservable inputs used to calculate the fair value of these loans include historical loss rates, recent default trends and estimated remaining loan terms; therefore, the carrying value of these liabilities approximates the fair value. The Company measures the fair value of the Promissory Note using Level 3 inputs. The fair value of the Promissory Note is estimated using a discounted cash flow analysis. As of March 31, 2017and 2016 and December 31, 2016, the Promissory Note had a higher fair value than the carrying value. The Company measures the fair value of its Securitization Notes using Level 2 inputs. The fair value of the Company’s Securitization Notes is estimated based on quoted prices in markets that are not active. As of , the Company’s Securitization Notes had a higher fair value than the carrying value. The Company measures the fair value of its Senior Notes using Level 2 inputs. The fair value of the Company’s Senior Notes is estimated based on quoted prices in markets that are not active. As of , the Company’s had a higher fair value than the carrying value. ,

Condensed Consolidating Financi

Condensed Consolidating Financial Statements	3 Months Ended
	Mar. 31, 2017
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Financial Statements	13. Condensed Consolidating Financial Statements The Company’s Notes are unconditionally guaranteed by certain of the Company’s subsidiaries (the “Guarantor Subsidiaries”) and are not secured by its other subsidiaries (the “Non-Guarantor Subsidiaries”). The Guarantor Subsidiaries are 100% owned, all guarantees are full and unconditional, and all guarantees are joint and several. As a result of the guarantee arrangements, the Company is required, in accordance with Rule 3-10 of Regulation S-X, to present the following condensed consolidating financial statements. The condensed consolidating financial statements reflect the investments in subsidiaries of the Company using the equity method of accounting. The principal elimination entries eliminate investments in subsidiaries and intercompany balances and transactions. Condensed consolidating financial statements of Enova International, Inc. (the “Parent”), its Guarantor Subsidiaries and Non-Guarantor Subsidiaries as of March 31, 2017 and 2016 and December 31, 2016 and for the periods ended March 31, 2017 and 2016 are shown on the following pages. CONDENSED CONSOLIDATING BALANCE SHEETS As of March 31, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 92,568 $ 4,462 $ — $ 97,030 Restricted cash — 7,795 17,815 — 25,610 Loans and finance receivables, net — 303,000 212,463 — 515,463 Income taxes receivable 77,477 (74,481 ) 8 — 3,004 Other receivables and prepaid expenses 115 17,550 394 — 18,059 Property and equipment, net — 43,598 681 — 44,279 Goodwill — 267,011 — — 267,011 Intangible assets, net — 5,133 3 — 5,136 Investment in subsidiaries 318,664 30,693 — (349,357 ) — Intercompany receivable 364,990 — — (364,990 ) — Other assets 299 7,197 2,325 — 9,821 Total assets $ 761,545 $ 700,064 $ 238,151 $ (714,347 ) $ 985,413 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,351 $ 52,457 $ 1,677 $ — $ 70,485 Intercompany payables — 295,960 69,030 (364,990 ) — Income taxes currently payable — — — — — Deferred tax liabilities, net (366 ) 26,210 (506 ) — 25,338 Long-term debt 487,087 — 144,030 — 631,117 Total liabilities 503,072 374,627 214,231 (364,990 ) 726,940 Commitments and contingencies Stockholders' equity 258,473 325,437 23,920 (349,357 ) 258,473 Total liabilities and stockholders' equity $ 761,545 $ 700,064 $ 238,151 $ (714,347 ) $ 985,413 CONDENSED CONSOLIDATING BALANCE SHEETS As of March 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 110,721 $ 1,490 $ — $ 112,211 Restricted cash — 7,191 13,717 — 20,908 Loans and finance receivables, net — 285,172 143,030 — 428,202 Income taxes receivable 42,513 (35,073 ) (4 ) — 7,436 Other receivables and prepaid expenses 131 18,487 192 — 18,810 Property and equipment, net — 45,404 336 — 45,740 Goodwill — 267,012 — — 267,012 Intangible assets, net — 6,214 7 — 6,221 Investment in subsidiaries 248,576 13,769 — (262,345 ) — Intercompany receivable 426,183 — — (426,183 ) — Other assets 767 7,869 — — 8,636 Total assets $ 718,170 $ 726,766 $ 158,768 $ (688,528 ) $ 915,176 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,349 $ 56,572 $ 1,357 $ — $ 74,278 Intercompany payables — 384,495 41,688 (426,183 ) — Deferred tax liabilities, net — 29,146 (267 ) — 28,879 Long-term debt 484,216 — 110,198 — 594,414 Total liabilities 500,565 470,213 152,976 (426,183 ) 697,571 Commitments and contingencies Stockholders' equity 217,605 256,553 5,792 (262,345 ) 217,605 Total liabilities and stockholders' equity $ 718,170 $ 726,766 $ 158,768 $ (688,528 ) $ 915,176 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 36,057 $ 3,877 $ — $ 39,934 Restricted cash — 6,838 19,468 — 26,306 Loans and finance receivables, net — 335,160 226,390 — 561,550 Income taxes receivable — — — — — Other receivables and prepaid expenses 127 19,095 302 — 19,524 Property and equipment, net — 46,507 593 — 47,100 Goodwill — 267,010 — — 267,010 Intangible assets, net — 5,400 4 — 5,404 Investment in subsidiaries 294,646 25,131 — (319,777 ) — Intercompany receivable 363,942 — — (363,942 ) — Other assets 597 7,995 2,459 — 11,051 Total assets $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,310 $ 65,714 $ 1,647 $ — $ 71,671 Intercompany payables — 295,763 68,179 (363,942 ) — Income taxes currently payable (72,704 ) 73,006 (20 ) — 282 Deferred tax liabilities, net (354 ) 15,156 (486 ) — 14,316 Long-term debt 486,361 — 163,550 — 649,911 Total liabilities 417,613 449,639 232,870 (363,942 ) 736,180 Commitments and contingencies Stockholders' equity 241,699 299,554 20,223 (319,777 ) 241,699 Total liabilities and stockholders' equity $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended March 31, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 160,767 $ 32,784 $ (1,288 ) $ 192,263 Cost of Revenue — 59,415 22,469 — 81,884 Gross Profit — 101,352 10,315 (1,288 ) 110,379 Expenses Marketing — 19,373 210 — 19,583 Operations and technology — 21,942 1,589 — 23,531 General and administrative 48 24,859 2,077 (1,288 ) 25,696 Depreciation and amortization — 3,455 42 — 3,497 Total Expenses 48 69,629 3,918 (1,288 ) 72,307 (Loss) Income from Operations (48 ) 31,723 6,397 — 38,072 Interest expense, net (13,177 ) (35 ) (4,010 ) — (17,222 ) Foreign currency transaction gain 227 — — — 227 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (12,998 ) 31,688 2,387 — 21,077 Provision for income taxes (4,456 ) 10,863 818 — 7,225 (Loss) Income before Equity in Net Earnings of Subsidiaries (8,542 ) 20,825 1,569 — 13,852 Net earnings of subsidiaries 22,394 1,569 — (23,963 ) — Net Income (Loss) $ 13,852 $ 22,394 $ 1,569 $ (23,963 ) $ 13,852 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 1,138 510 628 (1,138 ) 1,138 Total other comprehensive gain (loss), net of tax 1,138 510 628 (1,138 ) 1,138 Comprehensive Income (Loss) $ 14,990 $ 22,904 $ 2,197 $ (25,101 ) $ 14,990 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended March 31, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 173,136 $ 2,206 $ (689 ) $ 174,653 Cost of Revenue — 66,445 3,132 — 69,577 Gross Profit — 106,691 (926 ) (689 ) 105,076 Expenses Marketing — 20,782 399 — 21,181 Operations and technology — 19,183 951 — 20,134 General and administrative 43 27,442 1,129 (689 ) 27,925 Depreciation and amortization — 3,968 19 — 3,987 Total Expenses 43 71,375 2,498 (689 ) 73,227 (Loss) Income from Operations (43 ) 35,316 (3,424 ) — 31,849 Interest expense, net (13,272 ) 425 (3,068 ) — (15,915 ) Foreign currency transaction gain 1,568 — — — 1,568 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (11,747 ) 35,741 (6,492 ) — 17,502 Provision for income taxes (5,127 ) 15,600 (2,834 ) — 7,639 (Loss) Income before Equity in Net Earnings of Subsidiaries (6,620 ) 20,141 (3,658 ) — 9,863 Net earnings of subsidiaries 16,483 (3,658 ) — (12,825 ) — Net Income (Loss) $ 9,863 $ 16,483 $ (3,658 ) $ (12,825 ) $ 9,863 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (136 ) (648 ) 511 137 (136 ) Total other comprehensive (loss) gain, net of tax (136 ) (648 ) 511 137 (136 ) Comprehensive Income (Loss) $ 9,727 $ 15,835 $ (3,147 ) $ (12,688 ) $ 9,727 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Three Months Ended March 31, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 536 $ 130,885 $ (7,494 ) $ (4,062 ) $ 119,865 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (268,245 ) (5,745 ) — (273,990 ) Securitized loans transferred — 37,081 (37,081 ) — — Loans and finance receivables repaid — 160,523 67,665 — 228,188 Change in restricted cash — (2 ) 1,653 — 1,651 Purchases of property and equipment — (2,053 ) (103 ) — (2,156 ) Capital contributions to subsidiaries — (1,500 ) — 1,500 — Other investing activities — 1,517 — — 1,517 Net cash (used in) provided by investing activities — (72,679 ) 26,389 1,500 (44,790 ) Cash Flows from Financing Activities (Proceeds from) Payments for member's equity — (4,062 ) 1,500 2,562 — Treasury shares purchased (536 ) — — — (536 ) Borrowings under securitization facility — — 22,700 — 22,700 Repayments under securitization facility — — (42,670 ) — (42,670 ) Net cash (used in) provided by financing activities (536 ) (4,062 ) (18,470 ) 2,562 (20,506 ) Effect of exchange rates on cash — 2,367 160 — 2,527 Net increase in cash and cash equivalents — 56,511 585 — 57,096 Cash and cash equivalents at beginning of year — 36,057 3,877 — 39,934 Cash and cash equivalents at end of period $ — $ 92,568 $ 4,462 $ — $ 97,030 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Three Months Ended March 31, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 75,286 $ (3,466 ) $ 39,942 $ (13,170 ) $ 98,592 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (138,592 ) (138,255 ) — (276,847 ) Loans and finance receivables repaid — 212,682 (1,505 ) — 211,177 Change in restricted cash — — (13,717 ) — (13,717 ) Purchases of property and equipment — (2,140 ) (90 ) — (2,230 ) Capital contributions to subsidiaries (16,828 ) (3,250 ) — 20,078 — Other investing activities — 58 — — 58 Net cash (used in) provided by investing activities (16,828 ) 68,758 (153,567 ) 20,078 (81,559 ) Cash Flows from Financing Activities Payments for (proceeds from) member's equity — 3,658 3,250 (6,908 ) — Debt issuance costs paid — — (3,271 ) — (3,271 ) Treasury shares purchased (58 ) — — — (58 ) Borrowings under revolving line of credit 10,000 — — — 10,000 Repayments under revolving line of credit (68,400 ) — — — (68,400 ) Borrowings under securitization facility — — 135,061 — 135,061 Repayments under securitization facility — — (21,148 ) — (21,148 ) Net cash (used in) provided by financing activities (58,458 ) 3,658 113,892 (6,908 ) 52,184 Effect of exchange rates on cash — 844 84 — 928 Net increase in cash and cash equivalents — 69,794 351 — 70,145 Cash and cash equivalents at beginning of year — 40,927 1,139 — 42,066 Cash and cash equivalents at end of period $ — $ 110,721 $ 1,490 $ — $ 112,211

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2017
Subsequent Events [Abstract]
Subsequent Events	14. Subsequent Events Subsequent events have been reviewed through the date these financial statements were available to be issued.

Significant Accounting Polici23

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2017
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America,” now known as FirstCash, Inc. due to its merger with First Cash Financial Services, Inc. on September 1, 2016), formed a new company, Enova International, Inc. (the “Company”). On September 13, 2011, Cash America contributed to the Company all of the stock of its wholly-owned subsidiary, Enova Online Services, Inc., in exchange for 33 million shares of the Company’s common stock. The Company became an independent, publicly traded company on November 13, 2014 when Cash America completed the tax-free spin-off of approximately 80% of the outstanding shares of the Company to holders of Cash America’s common stock (the “Spin-off”). The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The financial statements include goodwill and intangible assets arising from businesses previously acquired. The Company consolidates any variable interest entity (“VIE”) where it has been determined it is the primary beneficiary. The primary beneficiary is the entity which has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance as well as the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. The financial statements presented as of March 31, 2017 and 2016 and for the three-month periods ended March 31, 2017 and 2016 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for three-month period are not necessarily indicative of the results that may be expected for the full fiscal year. 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 channels, the Company offers funds to its customers through a variety of unsecured loan and finance receivable products. The business is operated primarily through the internet to provide convenient, fully-automated financial solutions to its customers. The Company originates, arranges, guarantees or purchases consumer loans and provides financing to small businesses through a line of credit account or receivables purchase agreement product (“RPAs”). Consumer loans include short-term loans, line of credit accounts and installment loans. RPAs represent a right to receive future receivables from a small business. “Loans and finance receivables” include consumer loans, small business lines of credit and RPAs. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2016 and 2015 and for the years ended December 31, 2016, 2015 and 2014 and related notes, which are included on Form 10-K filed with the SEC on February 24, 2017.
Restricted Cash	Restricted Cash The Company includes funds to be used for future debt payments relating to its securitization transactions and escrow deposits in restricted cash and cash equivalents.
Revenue Recognition	Revenue Recognition The Company recognizes revenue based on the financing products and services it offers. “Revenue” in the consolidated statements of income includes: interest income, finance charges, fees for services provided through the Company’s credit services organization and credit access business programs (“CSO programs”) (“CSO fees”), revenue on RPAs, service charges, draw fees, minimum billing fees, purchase fees, late fees and non-sufficient funds fees as permitted by applicable laws and pursuant to the agreement with the customer. For short-term loans that the Company offers, interest and finance charges are recognized on an effective yield basis over the term of the loan. For line of credit accounts, interest is recognized over the reporting period based upon the balance outstanding and the contractual interest rate, draw fees are recognized on an effective yield basis over the estimated outstanding period of the draw, and minimum billing fees are recognized when assessed to the customer. For installment loans, interest is recognized on an effective yield basis over the term of the loan. For RPAs, revenue and purchase fees are recognized on an effective yield basis over the projected delivery term of the agreements and fees are recognized when assessed. CSO fees are recognized on an effective yield basis over the term of the loan. Late and nonsufficient funds fees are recognized when assessed to the customer. Direct costs associated with originating loans and purchasing RPAs, such as third-party customer acquisition costs, are deferred and amortized against revenue on an effective yield basis over the term of the loan or
Adopted Accounting Standards	Adopted In March 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-09, Improvements to Employee Share-Based Payment Accounting Accounting Standards to be Adopted in Future Periods In January 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20): Clarifying the Scope of Asset Derecognition Guidance and Accounting for Partial Sales of Nonfinancial Assets Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets, Revenue from Contracts with Customers (Topic 606) In January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805) – Clarifying the Definition of a Business In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) Statement of Cash Flows (Topic 230), Restricted Cash Statement of Cash Flows, In June 2016, the FASB issued ASU 2016-13, Measurement of Credit Losses on Financial Instruments In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) In January 2016, the FASB issued ASU 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities (“ASU 2016‑01”), which requires that equity investments, except for those accounted for under the equity method or those that result in consolidation of the investee, be measured at fair value, with subsequent changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. ASU 2016-01 also impacts the presentation and disclosure requirements for financial instruments. ASU 2016-01 is effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted only for certain provisions. The Company does not expect that the adoption of ASU 2016-01 will have a material effect on its consolidated financial statements. In May 2014, the FASB issued ASU 2014-09, which supersedes the revenue recognition requirements in ASC 605, Revenue Recognition. Deferral of the Effective Date Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Identifying Performance Obligations and Licensing Narrow-Scope Improvements and Practical Expedients, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers
Current and Delinquent Loans and Finance Receivables	Current and Delinquent Loans and Finance Receivables The Company classifies its loans and finance receivables as either current or delinquent. Short-term loans are considered delinquent when payment of an amount due is not made as of the due date. If a line of credit account or installment loan customer misses one payment, that payment is considered delinquent and the balance of the loan is considered current. If a line of credit account or installment loan customer does not make two consecutive payments, the entire account or loan is classified as delinquent and placed on a non-accrual status. The Company allows for normal payment processing time before considering a loan delinquent but does not provide for any additional grace period. The Company does not accrue interest on delinquent loans and does not resume accrual of interest on a delinquent loan unless it is returned to current status. In addition, delinquent loans generally may not be renewed, and if, during its attempt to collect on a delinquent loan, the Company allows additional time for payment through a payment plan or a promise to pay, it is still considered delinquent. Generally, all payments received are first applied against accrued but unpaid interest and fees and then against the principal balance of the loan.
Allowance and Liability for Estimated Losses on Loans and Finance Receivables	Allowance and Liability for Estimated Losses on Loans and Finance Receivables The Company monitors the performance of its loan and finance receivable portfolios and maintains either an allowance or liability for estimated losses on loans and finance receivables (including revenue, fees and/or interest) at a level estimated to be adequate to absorb losses inherent in the portfolio. The allowance for losses on the Company’s owned loans and finance receivables reduces the outstanding loans and finance receivables balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed under its CSO programs is initially recorded at fair value and is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. In determining the allowance or liability for estimated losses on loans and finance receivables, the Company applies a documented systematic methodology. In calculating the allowance or liability for receivable losses, outstanding loans and finance receivables are divided into discrete groups of short-term loans, line of credit accounts, installment loans and RPAs and are analyzed as current or delinquent. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as a “Cost of revenue” in the consolidated statements of income. The allowance or liability for short-term loans classified as current is based on historical loss rates adjusted for recent default trends for current loans. For delinquent short-term loans, the allowance or liability is based on a six-month rolling average of loss rates by stage of collection. For line of credit account, installment loan and RPA portfolios, the Company generally uses either a migration analysis or roll-rate based methodology to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis and roll-rate methodology is based on historical charge-off experience and the loss emergence period, which represents the average amount of time between the first occurrence of a loss event and the charge-off of a loan or RPA. The factors the Company considers to assess the adequacy of the allowance or liability include past due performance, historical behavior of monthly vintages, underwriting changes and recent trends in delinquency in the migration analysis. The roll-rate methodology is based on delinquency status, payment history and recency factors to estimate future charge-offs. The Company fully reserves for loans and finance receivables once the receivable or a portion of the receivable has been classified as delinquent for 60 consecutive days and generally charges off loans and finance receivables between 60 – 65 days delinquent. If a loan or finance receivable is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans and finance receivables classified as delinquent generally have an age of one to 64 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans and finance receivables previously charged to the allowance are credited to the allowance when collected.
Derivative Instruments Policy	The Company has periodically used forward currency exchange contracts to minimize the effects of foreign currency risk in the United Kingdom. The forward currency exchange contracts are non-designated derivatives. Any gain or loss resulting from these contracts is recorded as income or loss and is included in “Foreign currency transaction gain” in the Company’s consolidated statements of income. As of March 31, 2017, the Company did not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in the United Kingdom or Brazil.

Loans and Finance Receivables24

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables (Tables)	3 Months Ended
	Mar. 31, 2017
Receivables [Abstract]
Schedule of Revenue Generated from Loans and Finance Receivables	Revenue generated from the Company’s loans and finance receivables for the three months ended March 31, 2017 and 2016 was as follows (dollars in thousands): Three Months Ended March 31, 2017 2016 Short-term loans $ 47,423 $ 47,598 Line of credit accounts 59,459 48,973 Installment loans and RPAs 85,083 77,506 Total loans and finance receivables revenue 191,965 174,077 Other 298 576 Total revenue $ 192,263 $ 174,653
Components of Company-Owned Loans and Finance Receivables	The components of Company-owned loans and finance receivables at March 31, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): As of March 31, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 33,272 $ 114,820 $ 391,117 $ 539,209 Delinquent receivables: Delinquent payment amounts (1) — 3,869 2,397 6,266 Receivables on non-accrual status 19,933 5,809 27,500 53,242 Total delinquent receivables 19,933 9,678 29,897 59,508 Total loans and finance receivables, gross 53,205 124,498 421,014 598,717 Less: Allowance for losses (15,161 ) (21,765 ) (46,328 ) (83,254 ) Loans and finance receivables, net $ 38,044 $ 102,733 $ 374,686 $ 515,463 As of March 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 36,263 $ 91,482 $ 317,467 $ 445,212 Delinquent receivables: Delinquent payment amounts (1) — 3,105 1,469 4,574 Receivables on non-accrual status 16,118 3,764 26,238 46,120 Total delinquent receivables 16,118 6,869 27,707 50,694 Total loans and finance receivables, gross 52,381 98,351 345,174 495,906 Less: Allowance for losses (11,693 ) (15,284 ) (40,727 ) (67,704 ) Loans and finance receivables, net $ 40,688 $ 83,067 $ 304,447 $ 428,202 As of December 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,516 $ 130,576 $ 413,638 $ 579,730 Delinquent receivables: Delinquent payment amounts (1) — 4,560 2,110 6,670 Receivables on non-accrual status 27,489 9,047 37,559 74,095 Total delinquent receivables 27,489 13,607 39,669 80,765 Total loans and finance receivables, gross 63,005 144,183 453,307 660,495 Less: Allowance for losses (17,770 ) (26,594 ) (54,581 ) (98,945 ) Loans and finance receivables, net $ 45,235 $ 117,589 $ 398,726 $ 561,550 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. See “Current and Delinquent Loans and Finance Receivables” above for additional information.
Schedule of Changes in Allowance for Losses	Changes in the allowance for losses for the Company-owned loans and finance receivables and the liability for losses on the Company’s guarantees of third-party lender-owned loans during the three months ended March 31, 2017 and 2016 were as follows (dollars in thousands): Three Months Ended March 31, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 17,770 $ 26,594 $ 54,581 $ 98,945 Cost of revenue 16,274 19,831 46,588 82,693 Charge-offs (24,379 ) (28,464 ) (65,322 ) (118,165 ) Recoveries 5,404 3,804 10,143 19,351 Effect of foreign currency translation 92 — 338 430 Balance at end of period $ 15,161 $ 21,765 $ 46,328 $ 83,254 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,716 $ — $ 280 $ 1,996 Increase in liability (672 ) — (137 ) (809 ) Balance at end of period $ 1,044 $ — $ 143 $ 1,187 Three Months Ended March 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 14,652 $ 15,727 $ 36,943 $ 67,322 Cost of revenue 13,669 16,471 40,011 70,151 Charge-offs (21,576 ) (20,599 ) (42,799 ) (84,974 ) Recoveries 5,036 3,685 6,258 14,979 Effect of foreign currency translation (88 ) — 314 226 Balance at end of period $ 11,693 $ 15,284 $ 40,727 $ 67,704 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,298 $ — $ 458 $ 1,756 Decrease in liability (393 ) — (181 ) (574 ) Balance at end of period $ 905 $ — $ 277 $ 1,182

Long-term Debt (Tables)

Long-term Debt (Tables)	3 Months Ended
	Mar. 31, 2017
Debt Disclosure [Abstract]
Summary of Long-Term Debt Instruments and Balances Outstanding	The Company’s long-term debt instruments and balances outstanding as of March 31, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): March 31, December 31, 2017 2016 2016 Securitization notes $ 145,449 $ 113,913 $ 165,419 Senior Notes 495,824 495,049 495,622 Subtotal 641,273 608,962 661,041 Less: Long-term debt issuance costs (10,156 ) (14,548 ) (11,130 ) Total long-term debt $ 631,117 $ 594,414 $ 649,911

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2017
Earnings Per Share [Abstract]
Schedule of Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share Computations	The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three months ended March 31, 2017 and 2016 (in thousands, except per share amounts): Three Months Ended March 31, 2017 2016 Numerator: Net income $ 13,852 $ 9,863 Denominator: Total weighted average basic shares 33,372 33,142 Shares applicable to stock-based compensation 664 45 Total weighted average diluted shares 34,036 33,187 Earnings per share: Net income per share – basic $ 0.42 $ 0.30 Net income per share – diluted $ 0.41 $ 0.30

Operating Segment Information (

Operating Segment Information (Tables)	3 Months Ended
	Mar. 31, 2017
Segment Reporting [Abstract]
Summary of Domestic, International Operations and Corporate Services	The following tables present information on the Company’s domestic, international operations and corporate services as of and for the three months ended March 31, 2017 and 2016 (dollars in thousands): Three Months Ended March 31, 2017 2016 Revenue Domestic $ 164,669 $ 143,428 International 27,594 31,225 Total revenue $ 192,263 $ 174,653 Income (Loss) from operations Domestic $ 62,070 $ 55,582 International 2,194 3,151 Corporate services (26,192 ) (26,884 ) Total income from operations $ 38,072 $ 31,849 Depreciation and amortization Domestic $ 1,526 $ 1,582 International 379 605 Corporate services 1,592 1,800 Total depreciation and amortization $ 3,497 $ 3,987 Expenditures for property and equipment Domestic $ 611 $ 769 International 1,085 804 Corporate services 460 657 Total expenditures for property and equipment $ 2,156 $ 2,230 March 31, 2017 2016 Property and equipment, net Domestic $ 18,327 $ 15,696 International 6,006 5,562 Corporate services 19,946 24,482 Total property and equipment, net $ 44,279 $ 45,740 Assets Domestic $ 826,348 $ 707,176 International 102,819 114,858 Corporate services 56,246 93,142 Total assets $ 985,413 $ 915,176
Summary of Company's Revenue by Geographical Region	The following table presents the Company’s revenue by geographic region for the three months ended March 31, 2017 and 2016 (dollars in thousands): Three Months Ended March 31, 2017 2016 Revenue United States $ 164,669 $ 143,428 United Kingdom 24,443 25,909 Other international countries 3,151 5,316 Total revenue $ 192,263 $ 174,653

Commitments and Contingencies (

Commitments and Contingencies (Tables)	3 Months Ended
	Mar. 31, 2017
Commitments And Contingencies Disclosure [Abstract]
Exit and Disposal Activity and Liability Balances	The following table is a summary of the exit and disposal activity and liability balances as a result of the headquarters relocation for the three months ended March 31, 2017 and the twelve months ended December 31, 2016 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (1,132 ) — (1,132 ) Adjustments 344 (69 ) 275 Balance at December 31, 2016 $ 637 $ 135 $ 772 Balance at January 1, 2017 $ 637 $ 135 $ 772 Payments (446 ) (9 ) (455 ) Adjustments (83 ) (126 ) (209 ) Balance at March 31, 2017 $ 108 $ — $ 108

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2017
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Effect Of Derivative Instruments	The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended March 31, 2017 and 2016 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Three Months Ended Three Months Ended Three Months Ended March 31, March 31, March 31, 2017 2016 2017 2016 2017 2016 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 3,020 $ — $ — $ — $ — Total $ — $ 3,020 $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	3 Months Ended
	Mar. 31, 2017
Variable Interest Entities [Abstract]
Summary of Carrying Amounts of Consolidated VIE Assets and Liabilities	The carrying amounts of consolidated VIE assets and liabilities associated with the Company’s securitization entities were as follows (dollars in thousands): March 31, December 31, 2017 2016 2016 Assets Restricted cash and cash equivalents $ 17,815 $ 13,717 $ 19,468 Loans and finance receivables, net 207,594 138,255 216,766 Other receivables and prepaid expenses 3 — 3 Other assets 2,325 — 2,459 Total assets $ 227,737 $ 151,972 $ 238,696 Liabilities Accounts payable and accrued expenses $ 1,223 $ 591 $ 1,350 Long-term debt 144,030 110,199 163,550 Total liabilities $ 145,253 $ 110,790 $ 164,900

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2017
Fair Value Disclosures [Abstract]
Fair Value Assets and Liabilities Measured on Recurring Basis	The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of March 31, 2017 and 2016 and December 31, 2016 are as follows (dollars in thousands): March 31, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,352 1,352 — — Contingent consideration (2,358 ) — — (2,358 ) Total $ (1,006 ) $ 1,352 $ — $ (2,358 ) March 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,545 1,545 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,113 ) $ 1,545 $ — $ (5,658 ) December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,590 1,590 — — Contingent consideration (2,358 ) — — (2,358 ) Total $ (768 ) $ 1,590 $ — $ (2,358 ) (1) The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets.
Fair Value Measurement for Contingent Consideration	The changes in the fair value of the contingent consideration, which is Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2015 $ 5,658 $ 5,658 Adjustments — — Balance at March 31, 2016 $ 5,658 $ 5,658 Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2016 $ 2,358 $ 2,358 Adjustments — — Balance at March 31, 2017 $ 2,358 $ 2,358
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of March 31, 2017 and 2016 and December 31, 2016 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at March 31, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 97,030 $ 97,030 $ — $ — Short-term loans and line of credit accounts, net (1) 140,777 — — 140,777 Installment loans and RPAs, net (1)(4) 374,686 — — 409,169 Restricted cash (5) 25,610 25,610 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 644,806 $ 122,640 $ — $ 556,649 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,187 $ — $ — $ 1,187 Promissory note 3,000 — — 3,149 Securitization Notes 145,449 — 147,855 — Senior Notes 495,824 — 512,125 — Total $ 645,460 $ — $ 659,980 $ 4,336 Balance at March 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 112,211 $ 112,211 $ — $ — Short-term loans and line of credit accounts, net (1) 123,755 — — 123,755 Installment loans and RPAs, net (1)(4) 304,447 — — 283,871 Restricted cash (5) 20,908 20,908 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 568,024 $ 133,119 $ — $ 414,329 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,182 $ — $ — $ 1,182 Promissory note 3,000 — — 3,019 Securitization Notes 113,913 — 113,913 — Senior Notes 495,049 — 371,500 — Total $ 613,144 $ — $ 485,413 $ 4,201 Balance at December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 39,934 $ 39,934 $ — $ — Short-term loans and line of credit accounts, net (1) 162,824 — — 162,824 Installment loans and RPAs, net (1)(4) 398,726 — — 430,895 Restricted cash (5) 26,306 26,306 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 634,493 $ 66,240 $ — $ 600,422 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,996 $ — $ — $ 1,996 Promissory note 3,000 — — 3,111 Securitization Notes 165,419 — 168,216 — Senior Notes 495,622 — 495,940 — Total $ 666,037 $ — $ 664,156 $ 5,107 (1) Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets. (2) Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets. (3) See Note 4 for additional information related to the investment in unconsolidated investee. (4) Installment loan and RPAs, net include $207.6 million, $138.3 million and $216.8 million in net assets of consolidated VIEs as of March 31, 2017 and 2016 and December 31, 2016, respectively. (5) Restricted cash includes $17.8 million, $13.7 million and $19.5 million in assets of consolidated VIEs as of March 31, 2017 and 2016 and December 31, 2016, respectively.

Condensed Consolidating Finan32

Condensed Consolidating Financial Statements (Tables)	3 Months Ended
	Mar. 31, 2017
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Balance Sheets	CONDENSED CONSOLIDATING BALANCE SHEETS As of March 31, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 92,568 $ 4,462 $ — $ 97,030 Restricted cash — 7,795 17,815 — 25,610 Loans and finance receivables, net — 303,000 212,463 — 515,463 Income taxes receivable 77,477 (74,481 ) 8 — 3,004 Other receivables and prepaid expenses 115 17,550 394 — 18,059 Property and equipment, net — 43,598 681 — 44,279 Goodwill — 267,011 — — 267,011 Intangible assets, net — 5,133 3 — 5,136 Investment in subsidiaries 318,664 30,693 — (349,357 ) — Intercompany receivable 364,990 — — (364,990 ) — Other assets 299 7,197 2,325 — 9,821 Total assets $ 761,545 $ 700,064 $ 238,151 $ (714,347 ) $ 985,413 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,351 $ 52,457 $ 1,677 $ — $ 70,485 Intercompany payables — 295,960 69,030 (364,990 ) — Income taxes currently payable — — — — — Deferred tax liabilities, net (366 ) 26,210 (506 ) — 25,338 Long-term debt 487,087 — 144,030 — 631,117 Total liabilities 503,072 374,627 214,231 (364,990 ) 726,940 Commitments and contingencies Stockholders' equity 258,473 325,437 23,920 (349,357 ) 258,473 Total liabilities and stockholders' equity $ 761,545 $ 700,064 $ 238,151 $ (714,347 ) $ 985,413 CONDENSED CONSOLIDATING BALANCE SHEETS As of March 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 110,721 $ 1,490 $ — $ 112,211 Restricted cash — 7,191 13,717 — 20,908 Loans and finance receivables, net — 285,172 143,030 — 428,202 Income taxes receivable 42,513 (35,073 ) (4 ) — 7,436 Other receivables and prepaid expenses 131 18,487 192 — 18,810 Property and equipment, net — 45,404 336 — 45,740 Goodwill — 267,012 — — 267,012 Intangible assets, net — 6,214 7 — 6,221 Investment in subsidiaries 248,576 13,769 — (262,345 ) — Intercompany receivable 426,183 — — (426,183 ) — Other assets 767 7,869 — — 8,636 Total assets $ 718,170 $ 726,766 $ 158,768 $ (688,528 ) $ 915,176 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,349 $ 56,572 $ 1,357 $ — $ 74,278 Intercompany payables — 384,495 41,688 (426,183 ) — Deferred tax liabilities, net — 29,146 (267 ) — 28,879 Long-term debt 484,216 — 110,198 — 594,414 Total liabilities 500,565 470,213 152,976 (426,183 ) 697,571 Commitments and contingencies Stockholders' equity 217,605 256,553 5,792 (262,345 ) 217,605 Total liabilities and stockholders' equity $ 718,170 $ 726,766 $ 158,768 $ (688,528 ) $ 915,176 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 36,057 $ 3,877 $ — $ 39,934 Restricted cash — 6,838 19,468 — 26,306 Loans and finance receivables, net — 335,160 226,390 — 561,550 Income taxes receivable — — — — — Other receivables and prepaid expenses 127 19,095 302 — 19,524 Property and equipment, net — 46,507 593 — 47,100 Goodwill — 267,010 — — 267,010 Intangible assets, net — 5,400 4 — 5,404 Investment in subsidiaries 294,646 25,131 — (319,777 ) — Intercompany receivable 363,942 — — (363,942 ) — Other assets 597 7,995 2,459 — 11,051 Total assets $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,310 $ 65,714 $ 1,647 $ — $ 71,671 Intercompany payables — 295,763 68,179 (363,942 ) — Income taxes currently payable (72,704 ) 73,006 (20 ) — 282 Deferred tax liabilities, net (354 ) 15,156 (486 ) — 14,316 Long-term debt 486,361 — 163,550 — 649,911 Total liabilities 417,613 449,639 232,870 (363,942 ) 736,180 Commitments and contingencies Stockholders' equity 241,699 299,554 20,223 (319,777 ) 241,699 Total liabilities and stockholders' equity $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879
Condensed Consolidating Statements of Income and Comprehensive Income	CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended March 31, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 160,767 $ 32,784 $ (1,288 ) $ 192,263 Cost of Revenue — 59,415 22,469 — 81,884 Gross Profit — 101,352 10,315 (1,288 ) 110,379 Expenses Marketing — 19,373 210 — 19,583 Operations and technology — 21,942 1,589 — 23,531 General and administrative 48 24,859 2,077 (1,288 ) 25,696 Depreciation and amortization — 3,455 42 — 3,497 Total Expenses 48 69,629 3,918 (1,288 ) 72,307 (Loss) Income from Operations (48 ) 31,723 6,397 — 38,072 Interest expense, net (13,177 ) (35 ) (4,010 ) — (17,222 ) Foreign currency transaction gain 227 — — — 227 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (12,998 ) 31,688 2,387 — 21,077 Provision for income taxes (4,456 ) 10,863 818 — 7,225 (Loss) Income before Equity in Net Earnings of Subsidiaries (8,542 ) 20,825 1,569 — 13,852 Net earnings of subsidiaries 22,394 1,569 — (23,963 ) — Net Income (Loss) $ 13,852 $ 22,394 $ 1,569 $ (23,963 ) $ 13,852 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 1,138 510 628 (1,138 ) 1,138 Total other comprehensive gain (loss), net of tax 1,138 510 628 (1,138 ) 1,138 Comprehensive Income (Loss) $ 14,990 $ 22,904 $ 2,197 $ (25,101 ) $ 14,990 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended March 31, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 173,136 $ 2,206 $ (689 ) $ 174,653 Cost of Revenue — 66,445 3,132 — 69,577 Gross Profit — 106,691 (926 ) (689 ) 105,076 Expenses Marketing — 20,782 399 — 21,181 Operations and technology — 19,183 951 — 20,134 General and administrative 43 27,442 1,129 (689 ) 27,925 Depreciation and amortization — 3,968 19 — 3,987 Total Expenses 43 71,375 2,498 (689 ) 73,227 (Loss) Income from Operations (43 ) 35,316 (3,424 ) — 31,849 Interest expense, net (13,272 ) 425 (3,068 ) — (15,915 ) Foreign currency transaction gain 1,568 — — — 1,568 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (11,747 ) 35,741 (6,492 ) — 17,502 Provision for income taxes (5,127 ) 15,600 (2,834 ) — 7,639 (Loss) Income before Equity in Net Earnings of Subsidiaries (6,620 ) 20,141 (3,658 ) — 9,863 Net earnings of subsidiaries 16,483 (3,658 ) — (12,825 ) — Net Income (Loss) $ 9,863 $ 16,483 $ (3,658 ) $ (12,825 ) $ 9,863 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (136 ) (648 ) 511 137 (136 ) Total other comprehensive (loss) gain, net of tax (136 ) (648 ) 511 137 (136 ) Comprehensive Income (Loss) $ 9,727 $ 15,835 $ (3,147 ) $ (12,688 ) $ 9,727
Condensed Consolidating Statements of Cash Flows	CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Three Months Ended March 31, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 536 $ 130,885 $ (7,494 ) $ (4,062 ) $ 119,865 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (268,245 ) (5,745 ) — (273,990 ) Securitized loans transferred — 37,081 (37,081 ) — — Loans and finance receivables repaid — 160,523 67,665 — 228,188 Change in restricted cash — (2 ) 1,653 — 1,651 Purchases of property and equipment — (2,053 ) (103 ) — (2,156 ) Capital contributions to subsidiaries — (1,500 ) — 1,500 — Other investing activities — 1,517 — — 1,517 Net cash (used in) provided by investing activities — (72,679 ) 26,389 1,500 (44,790 ) Cash Flows from Financing Activities (Proceeds from) Payments for member's equity — (4,062 ) 1,500 2,562 — Treasury shares purchased (536 ) — — — (536 ) Borrowings under securitization facility — — 22,700 — 22,700 Repayments under securitization facility — — (42,670 ) — (42,670 ) Net cash (used in) provided by financing activities (536 ) (4,062 ) (18,470 ) 2,562 (20,506 ) Effect of exchange rates on cash — 2,367 160 — 2,527 Net increase in cash and cash equivalents — 56,511 585 — 57,096 Cash and cash equivalents at beginning of year — 36,057 3,877 — 39,934 Cash and cash equivalents at end of period $ — $ 92,568 $ 4,462 $ — $ 97,030 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Three Months Ended March 31, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 75,286 $ (3,466 ) $ 39,942 $ (13,170 ) $ 98,592 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (138,592 ) (138,255 ) — (276,847 ) Loans and finance receivables repaid — 212,682 (1,505 ) — 211,177 Change in restricted cash — — (13,717 ) — (13,717 ) Purchases of property and equipment — (2,140 ) (90 ) — (2,230 ) Capital contributions to subsidiaries (16,828 ) (3,250 ) — 20,078 — Other investing activities — 58 — — 58 Net cash (used in) provided by investing activities (16,828 ) 68,758 (153,567 ) 20,078 (81,559 ) Cash Flows from Financing Activities Payments for (proceeds from) member's equity — 3,658 3,250 (6,908 ) — Debt issuance costs paid — — (3,271 ) — (3,271 ) Treasury shares purchased (58 ) — — — (58 ) Borrowings under revolving line of credit 10,000 — — — 10,000 Repayments under revolving line of credit (68,400 ) — — — (68,400 ) Borrowings under securitization facility — — 135,061 — 135,061 Repayments under securitization facility — — (21,148 ) — (21,148 ) Net cash (used in) provided by financing activities (58,458 ) 3,658 113,892 (6,908 ) 52,184 Effect of exchange rates on cash — 844 84 — 928 Net increase in cash and cash equivalents — 69,794 351 — 70,145 Cash and cash equivalents at beginning of year — 40,927 1,139 — 42,066 Cash and cash equivalents at end of period $ — $ 110,721 $ 1,490 $ — $ 112,211

Significant Accounting Polici33

Significant Accounting Policies - Additional Information (Detail) - shares	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016	Nov. 13, 2014	Sep. 13, 2011
Significant Accounting Policies [Line Items]
Common stock, shares issued	33,596,007	33,364,525	33,196,625
Spin off percentage				80.00%
Cash America International Inc.
Significant Accounting Policies [Line Items]
Common stock, shares issued					33,000,000

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) - USD ($)	Jun. 23, 2015	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016	Dec. 31, 2015
Business Acquisition [Line Items]
Date of acquisition		Jun. 23, 2015
Business acquisition, asset acquired	$ 26,400,000
Business acquisition, payment in cash	17,700,000
Business Combination, promissory note	3,000,000
Estimated contingent consideration payable	5,700,000	$ 2,358,000	$ 5,658,000	$ 2,358,000	$ 5,658,000
Change fair value measurement contingent consideration		$ 0	$ 0	$ 3,300,000
Maximum
Business Acquisition [Line Items]
Total consideration paid	$ 71,000,000

Loans and Finance Receivables35

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Schedule of Revenue Generated from Loans and Finance Receivables (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 191,965	$ 174,077
Other	298	576
Total revenue	192,263	174,653
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	47,423	47,598
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	59,459	48,973
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 85,083	$ 77,506

Loans and Finance Receivables36

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	60 days
Active consumer loans owned by third-party lenders	$ 22.5	$ 32.2	$ 26.7
Accrual for losses on consumer loan guaranty obligations	$ 1.2	$ 2	$ 1.2
Minimum
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	60 days
Delinquent loans expiry period (in days)	1 day
Maximum
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	65 days
Delinquent loans expiry period (in days)	64 days

Loans and Finance Receivables37

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Components of Company-Owned Loans and Finance Receivables (Detail) - USD ($) $ in Thousands		Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016	Dec. 31, 2015
Accounts Notes And Loans Receivable [Line Items]
Current receivables		$ 539,209	$ 579,730	$ 445,212
Delinquent payment amounts	[1]	6,266	6,670	4,574
Receivables on non-accrual status		53,242	74,095	46,120
Total delinquent receivables		59,508	80,765	50,694
Total loans and finance receivables, gross		598,717	660,495	495,906
Less: Allowance for losses		(83,254)	(98,945)	(67,704)	$ (67,322)
Loans and finance receivables, net		515,463	561,550	428,202
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Current receivables		33,272	35,516	36,263
Receivables on non-accrual status		19,933	27,489	16,118
Total delinquent receivables		19,933	27,489	16,118
Total loans and finance receivables, gross		53,205	63,005	52,381
Less: Allowance for losses		(15,161)	(17,770)	(11,693)	(14,652)
Loans and finance receivables, net		38,044	45,235	40,688
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Current receivables		114,820	130,576	91,482
Delinquent payment amounts	[1]	3,869	4,560	3,105
Receivables on non-accrual status		5,809	9,047	3,764
Total delinquent receivables		9,678	13,607	6,869
Total loans and finance receivables, gross		124,498	144,183	98,351
Less: Allowance for losses		(21,765)	(26,594)	(15,284)	(15,727)
Loans and finance receivables, net		102,733	117,589	83,067
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Current receivables		391,117	413,638	317,467
Delinquent payment amounts	[1]	2,397	2,110	1,469
Receivables on non-accrual status		27,500	37,559	26,238
Total delinquent receivables		29,897	39,669	27,707
Total loans and finance receivables, gross		421,014	453,307	345,174
Less: Allowance for losses		(46,328)	(54,581)	(40,727)	$ (36,943)
Loans and finance receivables, net		$ 374,686	$ 398,726	$ 304,447
[1]	Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. See “Current and Delinquent Loans and Finance Receivables” above for additional information.

Loans and Finance Receivables38

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Schedule of Changes in Allowance for Losses (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	$ 98,945	$ 67,322
Cost of revenue	82,693	70,151
Charge-offs	(118,165)	(84,974)
Recoveries	19,351	14,979
Effect of foreign currency translation	430	226
Balance at end of period	83,254	67,704
Liability for third-party lender-owned loans
Balance at beginning of period	1,996	1,756
Increase (decrease) in liability	(809)	(574)
Balance at end of period	1,187	1,182
Short-term Loans
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	17,770	14,652
Cost of revenue	16,274	13,669
Charge-offs	(24,379)	(21,576)
Recoveries	5,404	5,036
Effect of foreign currency translation	92	(88)
Balance at end of period	15,161	11,693
Liability for third-party lender-owned loans
Balance at beginning of period	1,716	1,298
Increase (decrease) in liability	(672)	(393)
Balance at end of period	1,044	905
Line of Credit Accounts
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	26,594	15,727
Cost of revenue	19,831	16,471
Charge-offs	(28,464)	(20,599)
Recoveries	3,804	3,685
Balance at end of period	21,765	15,284
Installment Loans and RPAs
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	54,581	36,943
Cost of revenue	46,588	40,011
Charge-offs	(65,322)	(42,799)
Recoveries	10,143	6,258
Effect of foreign currency translation	338	314
Balance at end of period	46,328	40,727
Liability for third-party lender-owned loans
Balance at beginning of period	280	458
Increase (decrease) in liability	(137)	(181)
Balance at end of period	$ 143	$ 277

Investment in Unconsolidated 39

Investment in Unconsolidated Investee - Additional information (Detail) - USD ($)	3 Months Ended
	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Investments All Other Investments [Abstract]
Cost method investments	$ 6,700,000	$ 6,700,000	$ 6,700,000
Investment impairment	$ 0

Long-Term Debt - Summary of Lon

Long-Term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Detail) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Debt Disclosure [Abstract]
Securitization notes	$ 145,449	$ 165,419	$ 113,913
Senior Notes	495,824	495,622	495,049
Subtotal	641,273	661,041	608,962
Less: Long-term debt issuance costs	(10,156)	(11,130)	(14,548)
Total long-term debt	$ 631,117	$ 649,911	$ 594,414

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Detail) - USD ($)

Dec. 01, 2016

Oct. 20, 2016

Jan. 15, 2016

May 14, 2014

Mar. 31, 2017

Sep. 30, 2016

Jun. 30, 2016

Mar. 31, 2016

Sep. 30, 2016

Dec. 31, 2016

Jan. 04, 2016

Dec. 29, 2015

May 30, 2014

Debt Instrument [Line Items]

Aggregate availability of variable funding notes

$ 20,000,000

Maximum principal amount of securitization notes outstanding

$ 175,000,000

Carrying amount of securitization notes

$ 145,449,000

$ 113,913,000

$ 165,419,000

Revolving Line of Credit

Debt Instrument [Line Items]

Required Leverage Ratio, current

3.00%

4.25%

4.00%

Required Leverage Ratio, quarter ended September 30, 2016

3.50%

Required Leverage Ratio, quarter ended December 31, 2016

3.50%

2016-1 Securitization Facility

Debt Instrument [Line Items]

Debt instrument, maturity date

Oct. 15, 2020

Debt instrument, amended revolving period

2017-10

Debt instrument, amended latest period

2021-10

Securitization Notes issued pursuant to an indenture, date

Jan. 15, 2016

Maximum principal amount of securitization facility

$ 275,000,000

Variable funding note maximum principal amount

40,000,000

Variable funding note maximum principal amount thereafter

$ 30,000,000

Extended Maturity period of revolving facility

2017-10

Weighted average interest rate

9.50%

Carrying amount of securitization notes

$ 131,900,000

110,200,000

Unamortized debt issuance cost

1,400,000

3,700,000

Interest expense recognized

3,900,000

3,100,000

Non-cash amortization of debt issuance costs

$ 600,000

1,000,000

Debt issuance cost, amortization period

4 years

2016-1 Securitization Facility | Agent's Base Rate

Debt Instrument [Line Items]

Debt instrument, interest rate

1.00%

2016-1 Securitization Facility | Prime Rate

Debt Instrument [Line Items]

Debt instrument, basis spread on variable rate

7.75%

2016-1 Securitization Facility | LIBOR

Debt Instrument [Line Items]

Debt instrument, effective percentage

8.75%

2016-2 Facility

Debt Instrument [Line Items]

Carrying amount of securitization notes

$ 12,100,000

Interest expense recognized

$ 500,000

Debt issuance cost, amortization period

36 months

Date at Issuer not permitted to prepay or redeem any outstanding securitization notes prior

Oct. 1, 2018

Debt issuance cost

$ 200,000

2016-2 Facility | Redpoint Capital Asset Funding, LLC | Minimum

Debt Instrument [Line Items]

Annual percentage rate for securitized consumer loan

90.00%

2016-2 Facility | LIBOR

Debt Instrument [Line Items]

Debt instrument, effective percentage

12.50%

Revolving Credit Facility Due 2017 | Jefferies Group, LLC | Unsecured Revolving Credit Facility

Debt Instrument [Line Items]

Debt issuance cost, amortization period

37 months

Debt issuance cost

$ 1,600,000

Maximum borrowing capacity

$ 40,000,000

$ 35,000,000

$ 35,000,000

$ 75,000,000

Voluntary commitment reductions to revolving facility

40,000,000

Line of Credit Facility Increase

15,000,000

Line of credit facility decrease

$ 5,000,000

Credit agreement, maturity date

Jun. 30, 2017

Revolving line of credit

$ 0

0

0

Revolving Credit Facility Due 2017 | Jefferies Group, LLC | Unsecured Revolving Credit Facility | Scenario One

Debt Instrument [Line Items]

Line of Credit Facility Increase

$ 5,000,000

Revolving Credit Facility Due 2017 | Jefferies Group, LLC | Unsecured Revolving Credit Facility | Scenario Two

Debt Instrument [Line Items]

Line of Credit Facility Increase

$ 10,000,000

$500.0 Million 9.75% Senior Unsecured Notes Due 2021

Debt Instrument [Line Items]

Debt instrument, face amount

$ 500,000,000

Debt instrument, maturity date

Jun. 1, 2021

Debt instrument, interest rate

9.75%

Debt instrument, effective percentage

10.00%

Unamortized debt issuance cost

$ 8,700,000

10,800,000

Interest expense recognized

12,900,000

12,900,000

Non-cash amortization of debt issuance costs

$ 500,000

500,000

Debt issuance cost, amortization period

7 years

Carrying amount of senior notes

$ 487,100,000

484,200,000

Debt instrument unamortized discount

4,200,000

5,000,000

Non-cash amortization discount

$ 200,000

$ 200,000

Weighted average interest rates

10.79%

10.81%

Initial Term Note | 2016-1 Securitization Facility

Debt Instrument [Line Items]

Debt instrument, face amount

107,400,000

Unsecured consumer loans

$ 134,000,000

Revolving Note | 2016-2 Facility

Debt Instrument [Line Items]

Debt instrument, face amount

$ 20,000,000

Unsecured consumer loans

$ 25,000,000

Debt instrument, maturity date

Dec. 1, 2019

Expected increase in maximum principal balance

$ 40,000,000

Enova Standby And Letter Of Credit | Revolving Line of Credit

Debt Instrument [Line Items]

Maximum borrowing capacity

$ 20,000,000

Borrowings outstanding under credit agreement

$ 6,000,000

$ 6,600,000

$ 6,600,000

Earnings Per Share - Reconcilia

Earnings Per Share - Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Numerator:
Net income	$ 13,852	$ 9,863
Weighted average common shares outstanding:
Total weighted average basic shares	33,372	33,142
Shares applicable to stock-based compensation	664	45
Total weighted average diluted shares	34,036	33,187
Earnings Per Share:
Net income per share – basic	$ 0.42	$ 0.30
Net income per share – diluted	$ 0.41	$ 0.30

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended
	Mar. 31, 2017	Sep. 30, 2016
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	1,366,256	1,947,614
Restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	469,496	821,756

Operating Segment Information -

Operating Segment Information - Additional Information (Detail) $ in Thousands	3 Months Ended
	Mar. 31, 2017USD ($)Segment	Dec. 31, 2016USD ($)	Mar. 31, 2016USD ($)
Segment Reporting [Abstract]
Number of reportable segment | Segment	1
Property and equipment, net | $	$ 44,279	$ 47,100	$ 45,740

Operating Segment Information45

Operating Segment Information - Summary of Domestic, International Operations and Corporate Services (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Revenues [Abstract]
Revenue	$ 192,263	$ 174,653
Income (Loss) from operations [Abstract]
Income from operations	38,072	31,849
Depreciation and amortization [Abstract]
Depreciation and amortization	3,497	3,987
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	2,156	2,230
Property and equipment, net [Abstract]
Property and equipment, net	44,279	45,740	$ 47,100
Assets
Assets	985,413	915,176	$ 977,879
Domestic
Revenues [Abstract]
Revenue	164,669	143,428
Income (Loss) from operations [Abstract]
Income from operations	62,070	55,582
Depreciation and amortization [Abstract]
Depreciation and amortization	1,526	1,582
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	611	769
Property and equipment, net [Abstract]
Property and equipment, net	18,327	15,696
Assets
Assets	826,348	707,176
International
Revenues [Abstract]
Revenue	27,594	31,225
Income (Loss) from operations [Abstract]
Income from operations	2,194	3,151
Depreciation and amortization [Abstract]
Depreciation and amortization	379	605
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	1,085	804
Property and equipment, net [Abstract]
Property and equipment, net	6,006	5,562
Assets
Assets	102,819	114,858
Corporate Services
Income (Loss) from operations [Abstract]
Income from operations	(26,192)	(26,884)
Depreciation and amortization [Abstract]
Depreciation and amortization	1,592	1,800
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	460	657
Property and equipment, net [Abstract]
Property and equipment, net	19,946	24,482
Assets
Assets	$ 56,246	$ 93,142

Operating Segment Information46

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Revenues [Abstract]
Revenue	$ 192,263	$ 174,653
United States
Revenues [Abstract]
Revenue	164,669	143,428
United Kingdom
Revenues [Abstract]
Revenue	24,443	25,909
Other International Countries
Revenues [Abstract]
Revenue	$ 3,151	$ 5,316

Commitments and Contingencies -

Commitments and Contingencies - Additional information (Detail) $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)	Jun. 30, 2015ft²
Commitments And Contingencies [Line Items]
Leased area | ft²		86,000
Estimated sublease income	$ 1.7
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	3.7
Lease Termination Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	2.9
Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	$ 0.8

Commitments and Contingencies48

Commitments and Contingencies - Exit and Disposal Activity and Liability Balances (Detail) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2017	Dec. 31, 2016
Lease Termination Costs
Commitments And Contingencies [Line Items]
Beginning Balance	$ 637	$ 1,425
Payments	(446)	(1,132)
Adjustments	(83)	344
Ending Balance	108	637
Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	135	204
Payments	(9)
Adjustments	(126)	(69)
Ending Balance		135
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	772	1,629
Payments	(455)	(1,132)
Adjustments	(209)	275
Ending Balance	$ 108	$ 772

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Details) - USD ($)	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Outstanding derivative instruments	$ 0	$ 0	$ 0

Derivative Instruments - Effect

Derivative Instruments - Effect of Derivative Instruments on the Consolidated Results of Operations and Accumulated other Comprehensive Income (Detail) - Non-Designated Derivatives $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 3,020
Forward Currency Exchange Contracts
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 3,020	[1]
[1]	The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016	Jun. 23, 2015
Related Party Transaction [Line Items]
Business Combination, promissory note				$ 3,000
Small Business
Related Party Transaction [Line Items]
Business Combination, promissory note	$ 3,000
Promissory note maturity date	Jun. 23, 2018
Interest expense related to promissory note	$ 31	$ 30
Transition services agreement fee income	$ 7	37
Debt instrument, interest rate	4.00%
Transition services agreement period	3 years
Cash America
Related Party Transaction [Line Items]
Consumer loans reimbursement amount	$ 200	200
Related party payable, net		100
FirstCash
Related Party Transaction [Line Items]
Related party payable, net	$ 38		$ 100
RPAs | Small Business
Related Party Transaction [Line Items]
Paid RPAs, amount		$ 300

Variable Interest Entities - Su

Variable Interest Entities - Summary of Carrying Amounts of Consolidated VIE Assets and Liabilities (Detail) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Assets
Restricted cash and cash equivalents	$ 25,610	$ 26,306	$ 20,908
Loans and finance receivables, net	515,463	561,550	428,202
Other receivables and prepaid expenses	18,059	19,524	18,810
Other assets	9,821	11,051	8,636
Liabilities
Accounts payable and accrued expenses	70,485	71,671	74,278
Long-term debt	631,117	649,911	594,414
Variable Interest Entity, Primary Beneficiary
Assets
Restricted cash and cash equivalents	17,815	19,468	13,717
Loans and finance receivables, net	207,594	216,766	138,255
Other receivables and prepaid expenses	3	3
Other assets	2,325	2,459
Total assets	227,737	238,696	151,972
Liabilities
Accounts payable and accrued expenses	1,223	1,350	591
Long-term debt	144,030	163,550	110,199
Total liabilities	$ 145,253	$ 164,900	$ 110,790

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	3 Months Ended
	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Transfer of Liabilities, amount	$ 0		$ 0
Transfer of assets, amount	0		0
Assets fair value non-recurring	0	$ 0	0
Liabilities fair value non-recurring	0	0	0
Accrual for losses on consumer loan guaranty obligations	$ 1,200,000	$ 2,000,000	$ 1,200,000
Maximum
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalent maturity period	90 days
Maximum | Short-term Loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	12 months
Maximum | Line of Credit Accounts
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	12 months
Maximum | Installment Loans and RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	60 months
Maximum | RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Estimated delivery term	18 months
Minimum | Installment Loans and RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	2 months
Minimum | RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Estimated delivery term	6 months

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Assets and Liabilities Measured on Recurring Basis (Detail) - USD ($) $ in Thousands		Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016	Dec. 31, 2015	Jun. 23, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		$ (2,358)	$ (2,358)	$ (5,658)	$ (5,658)	$ (5,700)
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(2,358)	(2,358)	(5,658)	$ (5,658)
Fair Value, Measurements, Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[1]	1,352	1,590	1,545
Contingent consideration		(2,358)	(2,358)	(5,658)
Total		(1,006)	(768)	(4,113)
Fair Value, Measurements, Recurring | Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[1]	1,352	1,590	1,545
Total		1,352	1,590	1,545
Fair Value, Measurements, Recurring | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(2,358)	(2,358)	(5,658)
Total		$ (2,358)	$ (2,358)	$ (5,658)
[1]	The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets.

Fair Value Measurements - Fai55

Fair Value Measurements - Fair Value Measurement for Contingent Consideration (Detail) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance	$ 2,358,000	$ 5,658,000	$ 5,658,000
Contingent consideration, Adjustments	0	0	3,300,000
Contingent consideration, Ending balance	2,358,000	5,658,000	2,358,000
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance	2,358,000	5,658,000	5,658,000
Contingent consideration, Adjustments	0	0
Contingent consideration, Ending balance	$ 2,358,000	$ 5,658,000	$ 2,358,000

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Detail) - USD ($) $ in Thousands		Mar. 31, 2017		Dec. 31, 2016	Mar. 31, 2016	Dec. 31, 2015
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		$ 1,187		$ 1,996	$ 1,182	$ 1,756
Carrying Value
Financial assets:
Cash and cash equivalents		97,030		39,934	112,211
Short-term loans and line of credit accounts, net	[1]	140,777		162,824	123,755
Installment loans and RPAs, net	[1]	374,686	[2]	398,726	304,447
Restricted cash	[3]	25,610		26,306	20,908
Investment in unconsolidated investee	[4],[5]	6,703		6,703	6,703
Total		644,806		634,493	568,024
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,187		1,996	1,182
Promissory note		3,000		3,000	3,000
Securitization Notes		145,449		165,419	113,913
Senior Notes		495,824		495,622	495,049
Total		645,460		666,037	613,144
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		97,030		39,934	112,211
Restricted cash	[3]	25,610		26,306	20,908
Total		122,640		66,240	133,119
Level 2 | Estimated Fair Value
Financial liabilities:
Securitization Notes		147,855		168,216	113,913
Senior Notes		512,125		495,940	371,500
Total		659,980		664,156	485,413
Level 3 | Estimated Fair Value
Financial assets:
Short-term loans and line of credit accounts, net	[1]	140,777		162,824	123,755
Installment loans and RPAs, net	[1]	409,169	[2]	430,895	283,871
Investment in unconsolidated investee	[4],[5]	6,703		6,703	6,703
Total		556,649		600,422	414,329
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,187		1,996	1,182
Promissory note		3,149		3,111	3,019
Total		$ 4,336		$ 5,107	$ 4,201
[1]	Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets.
[2]	Installment loan and RPAs, net include $207.6 million, $138.3 million and $216.8 million in net assets of consolidated VIEs as of March 31, 2017 and 2016 and December 31, 2016, respectively.
[3]	Restricted cash includes $17.8 million, $13.7 million and $19.5 million in assets of consolidated VIEs as of March 31, 2017 and 2016 and December 31, 2016, respectively.
[4]	Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets.
[5]	See Note 4 for additional information related to the investment in unconsolidated investee.

Fair Value Measurements - Fin57

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Parenthetical) (Detail) - Variable Interest Entity, Primary Beneficiary - USD ($) $ in Millions	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Installment loans and RPAs, net	$ 207.6	$ 216.8	$ 138.3
Restricted cash	$ 17.8	$ 19.5	$ 13.7

Condensed Consolidating Finan58

Condensed Consolidating Financial Statements - Additional Information (Detail)	Mar. 31, 2017
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Percentage of ownership	100.00%

Condensed Consolidating Finan59

Condensed Consolidating Financial Statements - Condensed Consolidating Balance Sheets - (Detail) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 97,030	$ 39,934	$ 112,211	$ 42,066
Restricted cash	25,610	26,306	20,908
Loans and finance receivables, net	515,463	561,550	428,202
Income taxes receivable	3,004		7,436
Other receivables and prepaid expenses	18,059	19,524	18,810
Property and equipment, net	44,279	47,100	45,740
Goodwill	267,011	267,010	267,012
Intangible assets, net	5,136	5,404	6,221
Other assets	9,821	11,051	8,636
Total assets	985,413	977,879	915,176
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	70,485	71,671	74,278
Income taxes currently payable		282
Deferred tax liabilities, net	25,338	14,316	28,879
Long-term debt	631,117	649,911	594,414
Total liabilities	726,940	736,180	697,571
Commitments and contingencies
Stockholders' equity	258,473	241,699	217,605	205,968
Total liabilities and stockholders' equity	985,413	977,879	915,176
Parent
Assets
Income taxes receivable	77,477		42,513
Other receivables and prepaid expenses	115	127	131
Investment in subsidiaries	318,664	294,646	248,576
Intercompany receivable	364,990	363,942	426,183
Other assets	299	597	767
Total assets	761,545	659,312	718,170
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	16,351	4,310	16,349
Income taxes currently payable		(72,704)
Deferred tax liabilities, net	(366)	(354)
Long-term debt	487,087	486,361	484,216
Total liabilities	503,072	417,613	500,565
Commitments and contingencies
Stockholders' equity	258,473	241,699	217,605
Total liabilities and stockholders' equity	761,545	659,312	718,170
Guarantor Subsidiaries
Assets
Cash and cash equivalents	92,568	36,057	110,721	40,927
Restricted cash	7,795	6,838	7,191
Loans and finance receivables, net	303,000	335,160	285,172
Income taxes receivable	(74,481)		(35,073)
Other receivables and prepaid expenses	17,550	19,095	18,487
Property and equipment, net	43,598	46,507	45,404
Goodwill	267,011	267,010	267,012
Intangible assets, net	5,133	5,400	6,214
Investment in subsidiaries	30,693	25,131	13,769
Other assets	7,197	7,995	7,869
Total assets	700,064	749,193	726,766
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	52,457	65,714	56,572
Intercompany payables	295,960	295,763	384,495
Income taxes currently payable		73,006
Deferred tax liabilities, net	26,210	15,156	29,146
Total liabilities	374,627	449,639	470,213
Commitments and contingencies
Stockholders' equity	325,437	299,554	256,553
Total liabilities and stockholders' equity	700,064	749,193	726,766
Non-Guarantor Subsidiaries
Assets
Cash and cash equivalents	4,462	3,877	1,490	$ 1,139
Restricted cash	17,815	19,468	13,717
Loans and finance receivables, net	212,463	226,390	143,030
Income taxes receivable	8		(4)
Other receivables and prepaid expenses	394	302	192
Property and equipment, net	681	593	336
Intangible assets, net	3	4	7
Other assets	2,325	2,459
Total assets	238,151	253,093	158,768
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	1,677	1,647	1,357
Intercompany payables	69,030	68,179	41,688
Income taxes currently payable		(20)
Deferred tax liabilities, net	(506)	(486)	(267)
Long-term debt	144,030	163,550	110,198
Total liabilities	214,231	232,870	152,976
Commitments and contingencies
Stockholders' equity	23,920	20,223	5,792
Total liabilities and stockholders' equity	238,151	253,093	158,768
Eliminations
Assets
Investment in subsidiaries	(349,357)	(319,777)	(262,345)
Intercompany receivable	(364,990)	(363,942)	(426,183)
Total assets	(714,347)	(683,719)	(688,528)
Liabilities and Stockholders' Equity
Intercompany payables	(364,990)	(363,942)	(426,183)
Total liabilities	(364,990)	(363,942)	(426,183)
Commitments and contingencies
Stockholders' equity	(349,357)	(319,777)	(262,345)
Total liabilities and stockholders' equity	$ (714,347)	$ (683,719)	$ (688,528)

Condensed Consolidating Finan60

Condensed Consolidating Financial Statements - Condensed Consolidating Statements of Income and Comprehensive Income - (Detail) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2017	Mar. 31, 2016
Condensed Financial Statements Captions [Line Items]
Revenue		$ 192,263	$ 174,653
Cost of Revenue		81,884	69,577
Gross Profit		110,379	105,076
Expenses
Marketing		19,583	21,181
Operations and technology		23,531	20,134
General and administrative		25,696	27,925
Depreciation and amortization		3,497	3,987
Total Expenses		72,307	73,227
Income from Operations		38,072	31,849
Interest expense, net		(17,222)	(15,915)
Foreign currency transaction gain		227	1,568
Income before Income Taxes		21,077	17,502
Provision for income taxes		7,225	7,639
(Loss) Income before Equity in Net Earnings of Subsidiaries		13,852	9,863
Net Income		13,852	9,863
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)	[1]	1,138	(136)
Total other comprehensive gain (loss), net of tax		1,138	(136)
Comprehensive Income		14,990	9,727
Parent
Expenses
General and administrative		48	43
Total Expenses		48	43
Income from Operations		(48)	(43)
Interest expense, net		(13,177)	(13,272)
Foreign currency transaction gain		227	1,568
Income before Income Taxes		(12,998)	(11,747)
Provision for income taxes		(4,456)	(5,127)
(Loss) Income before Equity in Net Earnings of Subsidiaries		(8,542)	(6,620)
Net earnings of subsidiaries		22,394	16,483
Net Income		13,852	9,863
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		1,138	(136)
Total other comprehensive gain (loss), net of tax		1,138	(136)
Comprehensive Income		14,990	9,727
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		160,767	173,136
Cost of Revenue		59,415	66,445
Gross Profit		101,352	106,691
Expenses
Marketing		19,373	20,782
Operations and technology		21,942	19,183
General and administrative		24,859	27,442
Depreciation and amortization		3,455	3,968
Total Expenses		69,629	71,375
Income from Operations		31,723	35,316
Interest expense, net		(35)	425
Income before Income Taxes		31,688	35,741
Provision for income taxes		10,863	15,600
(Loss) Income before Equity in Net Earnings of Subsidiaries		20,825	20,141
Net earnings of subsidiaries		1,569	(3,658)
Net Income		22,394	16,483
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		510	(648)
Total other comprehensive gain (loss), net of tax		510	(648)
Comprehensive Income		22,904	15,835
Non-Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		32,784	2,206
Cost of Revenue		22,469	3,132
Gross Profit		10,315	(926)
Expenses
Marketing		210	399
Operations and technology		1,589	951
General and administrative		2,077	1,129
Depreciation and amortization		42	19
Total Expenses		3,918	2,498
Income from Operations		6,397	(3,424)
Interest expense, net		(4,010)	(3,068)
Income before Income Taxes		2,387	(6,492)
Provision for income taxes		818	(2,834)
(Loss) Income before Equity in Net Earnings of Subsidiaries		1,569	(3,658)
Net Income		1,569	(3,658)
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		628	511
Total other comprehensive gain (loss), net of tax		628	511
Comprehensive Income		2,197	(3,147)
Eliminations
Condensed Financial Statements Captions [Line Items]
Revenue		(1,288)	(689)
Gross Profit		(1,288)	(689)
Expenses
General and administrative		(1,288)	(689)
Total Expenses		(1,288)	(689)
Net earnings of subsidiaries		(23,963)	(12,825)
Net Income		(23,963)	(12,825)
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		(1,138)	137
Total other comprehensive gain (loss), net of tax		(1,138)	137
Comprehensive Income		$ (25,101)	$ (12,688)
[1]	Net of tax (provision) benefit of $(643) and $77 for the three months ended March 31, 2017 and 2016, respectively.

Condensed Consolidating Finan61

Condensed Consolidating Financial Statements - Condensed Consolidating Statements of Cash Flows - (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	$ 119,865	$ 98,592
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(273,990)	(276,847)
Loans and finance receivables repaid	228,188	211,177
Change in restricted cash	1,651	(13,717)
Purchases of property and equipment	(2,156)	(2,230)
Other investing activities	1,517	58
Net cash used in investing activities	(44,790)	(81,559)
Cash Flows from Financing Activities
Debt issuance costs paid		(3,271)
Treasury shares purchased	(536)	(58)
Borrowings under revolving line of credit		10,000
Repayments under revolving line of credit		(68,400)
Borrowings under securitization facility	22,700	135,061
Repayments under securitization facility	(42,670)	(21,148)
Net cash (used in) provided by financing activities	(20,506)	52,184
Effect of exchange rates on cash	2,527	928
Net increase in cash and cash equivalents	57,096	70,145
Cash and cash equivalents at beginning of year	39,934	42,066
Cash and cash equivalents at end of period	97,030	112,211
Parent
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	536	75,286
Cash Flows from Investing Activities
Capital contributions to subsidiaries		(16,828)
Net cash used in investing activities		(16,828)
Cash Flows from Financing Activities
Treasury shares purchased	(536)	(58)
Borrowings under revolving line of credit		10,000
Repayments under revolving line of credit		(68,400)
Net cash (used in) provided by financing activities	(536)	(58,458)
Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	130,885	(3,466)
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(268,245)	(138,592)
Securitized loans transferred	37,081
Loans and finance receivables repaid	160,523	212,682
Change in restricted cash	(2)
Purchases of property and equipment	(2,053)	(2,140)
Capital contributions to subsidiaries	(1,500)	(3,250)
Other investing activities	1,517	58
Net cash used in investing activities	(72,679)	68,758
Cash Flows from Financing Activities
(Proceeds from) Payments for member's equity	(4,062)	3,658
Net cash (used in) provided by financing activities	(4,062)	3,658
Effect of exchange rates on cash	2,367	844
Net increase in cash and cash equivalents	56,511	69,794
Cash and cash equivalents at beginning of year	36,057	40,927
Cash and cash equivalents at end of period	92,568	110,721
Non-Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	(7,494)	39,942
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(5,745)	(138,255)
Securitized loans transferred	(37,081)
Loans and finance receivables repaid	67,665	(1,505)
Change in restricted cash	1,653	(13,717)
Purchases of property and equipment	(103)	(90)
Net cash used in investing activities	26,389	(153,567)
Cash Flows from Financing Activities
(Proceeds from) Payments for member's equity	1,500	3,250
Debt issuance costs paid		(3,271)
Borrowings under securitization facility	22,700	135,061
Repayments under securitization facility	(42,670)	(21,148)
Net cash (used in) provided by financing activities	(18,470)	113,892
Effect of exchange rates on cash	160	84
Net increase in cash and cash equivalents	585	351
Cash and cash equivalents at beginning of year	3,877	1,139
Cash and cash equivalents at end of period	4,462	1,490
Eliminations
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	(4,062)	(13,170)
Cash Flows from Investing Activities
Capital contributions to subsidiaries	1,500	20,078
Net cash used in investing activities	1,500	20,078
Cash Flows from Financing Activities
(Proceeds from) Payments for member's equity	2,562	(6,908)
Net cash (used in) provided by financing activities	$ 2,562	$ (6,908)