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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Delaware ( State or other jurisdiction of incorporation or organization ) 175 West Jackson Blvd. Chicago , Illinois ( Address of principal executive offices ) Enova International , Inc. ( Exact name of registrant as specified in its charter ) to Commission File Number 1-35503 enova Title of Each Class Common Stock , $ .00001 par value per share Registrant's telephone number , including area code : ( 312 ) 568-4200 Securities Registered Pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) ( I.R.S. Employer Identification No. ) 45-3190813 ENVA Securities Registered Pursuant to Section 12 ( g ) of the Act : None 60604 ( Zip Code ) Name of Each Exchange on Which Registered New York Stock Exchange No 因 No | Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes Indicate by check if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes □ Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes > No □ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter time that the registrant was required to submit such files ) . Yes No ☐ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Non - accelerated filer Accelerated filer Smaller reporting company Emerging growth company X 0 0 If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . □ Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . » Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes □ No 区 The aggregate market value of 29,086,583 shares of the registrant's common stock , par value $ 0.00001 per share , held by non - affiliates on June 30 , 2020 was approximately $ 432,517,489 . At February 25 , 2021 there were 36,288,776 shares of the registrant's Common Stock , $ 0.00001 par value per share , outstanding . DOCUMENTS INCORPORATED BY REFERENCE Portions of the Company's Proxy Statement for the 2020 Annual Meeting of stockholders are incorporated by reference into Part III of this report .