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Enova International, Inc. (ENVA) Q2 2025 Earnings Call Transcript

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Enova International, Inc. (NYSE:ENVA) Q2 2025 Earnings Conference Call July 24, 2025 5:00 PM ET

Company Participants

Lindsay Savarese – Investor Relations
David Fisher – President, CEO & Chairman
Steven Cunningham – Chief Financial Officer

Conference Call Participants

Moshe Orenbuch – TD Cowen, Research Division
David Scharf – Citizens JMP Securities, LLC, Research Division
William Ryan – Seaport Research Partners
John Hecht – Jefferies LLC, Research Division
Vincent Caintic – BTIG, LLC, Research Division
Kyle Joseph – Stephens Inc., Research Division
John Rowan – Janney Montgomery Scott LLC, Research Division

Operator

Good afternoon, and welcome to the Enova International Second Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded.

I would now like to turn the conference over to Lindsay Savarese, Investor Relations for Enova. Please go ahead.

Lindsay Savarese

Thank you, operator, and good afternoon, everyone. Enova released results for the second quarter 2025 ended June 30, 2025, this afternoon after market close. If you did not receive a copy of our earnings press release, you may obtain it from the Investor Relations section of our website at ir.enova.com. With me on today’s call are David Fisher, Chief Executive Officer; and Steve Cunningham, Chief Financial Officer. This call is being webcast and will be archived on the Investor Relations section of our website.

Before I turn the call over to David, I’d like to note that today’s discussion will contain forward-looking statements and as such is subject to risks and uncertainties. Actual results may differ materially as a result from various important risk factors, including those discussed in our earnings press release and in our annual report on Form 10-K, quarterly reports on Forms 10-Q and current reports on Forms 8-K. Please note that any forward-looking statements that are made on this call are based on assumptions as of

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