Enova International, Inc. (NYSE:ENVA) Q2 2021 Earnings Conference Call July 29, 2021 5:00 PM ET Company Participants Lindsay Savarese - Investor Relations David Fisher - Chief Executive Officer Steve Cunningham - Chief Financial Officer Conference Call Participants David Scharf - JMP Securities John Hecht - Jefferies Operator Good day, and welcome to the Enova International Second Quarter 2021 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today’s pre ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova International, Inc. (Exact name of registrant as specified in its charter) Delaware 45-3190813 (State or other jurisdi ...

Financial Data and Key Metrics Changes - Revenue in Q1 2021 decreased 2% sequentially and 28% year-over-year, totaling $259 million [8][23] - Adjusted EBITDA rose 278% year-over-year to $137 million, marking a first-quarter record [8] - Adjusted EPS increased more than 8 times to $2.20, also a first-quarter record [8][43] - Total company originations were $506 million, a 7% increase from Q1 2020 [24] Business Line Data and Key Metrics Changes - Small business products represented 55% of the portfolio, with SMB originations increasing 11% sequentially to $322 million [15][25] - Revenue from SMB products increased 17% sequentially and more than tripled year-over-year to $76 million [15][23] - Consumer receivables decreased 9% sequentially and 41% year-over-year, totaling $572 million [25][26] - Consumer originations totaled $184 million, down 25% sequentially and 53% year-over-year [27] Market Data and Key Metrics Changes - U.S. retail sales jumped 9.8% in March 2021, indicating positive economic recovery [14] - Jobless claims dropped sharply to 576,000, a new low since the pandemic began [14] Company Strategy and Development Direction - The company is focusing on increasing its presence in SMB lending, anticipating a surge in demand as the economy reopens [13][15] - The integration of OnDeck is largely complete, with expected annual cost synergies of over $50 million [16][17] - The acquisition of Pangea Universal Holdings aims to enhance the company's offerings in the mobile international money transfer market [18][19] Management's Comments on Operating Environment and Future Outlook - Management expects growth in originations to continue as economic recovery accelerates [14][21] - The company remains committed to helping consumers access credit, with a strong credit quality outlook [22][40] - Management anticipates that consumer spending will increase as the economy reopens, benefiting small businesses [12][13] Other Important Information - The effective tax rate for Q1 2021 was 27%, down from 34% in Q1 2020 [42] - The company ended the quarter with $392 million in cash and marketable securities [43] - The cost of funds for the quarter was 8.6%, reflecting a slight increase from the previous quarter [44] Q&A Session Summary Question: What is the impact of PPP loans on small business demand? - Management noted that demand for small business loans rebounded quickly after the previous round of PPP, but emphasized that PPP primarily supports payroll, not inventory or rent [50] Question: Will marketing spend increase as demand rises? - Management indicated a willingness to spend more on marketing to capture demand, while maintaining discipline in spending [53][54] Question: How does the company view competition in the current environment? - Management observed that competition has decreased, particularly among storefront lenders, which have been significantly impacted by the pandemic [68][69] Question: What is the expected trend for G&A expenses in 2021? - Management expects G&A expenses to decline in absolute dollars and as a percentage of revenue throughout 2021 due to synergies from the OnDeck acquisition [62][63]

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 to Commission File Number 1-35503 Enova International, Inc. (Exact name of registrant as specified in its charter) Delaware 45-3190813 (State or other jurisdiction of incorpo ...

Enova International, Inc. (NYSE:ENVA) Q4 2020 Earnings Conference Call February 4, 2021 5:00 PM ET Company Participants Monica Gould - Investor Relations David Fisher - Chief Executive Officer Steve Cunningham - Chief Financial Officer Conference Call Participants David Scharf - JMP Securities John Hecht - Jefferies John Rowan - Janney Operator Good afternoon and welcome to the Enova International Fourth Quarter and Full Year 2020 Earnings Conference Call. All participants will be listen-only mode. [Operato ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | --- | --- | --- | |---------------------------------------------------------------------------------------|---------------------------------------------------------------------------- ...

Enova International, Inc. (NYSE:ENVA) Q3 2020 Results Earnings Conference Call October 27, 2020 5:00 PM ET Company Participants Monica Gould - IR David Fisher - CEO Steve Cunningham - CFO Conference Call Participants David Scharf - JMP Securities John Hecht - Jefferies Vincent Caintic - Stephens John Rowan - Janney Operator Good afternoon and welcome to the Enova International Third Quarter 2020 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I'd now like to turn ...

Enova International, Inc. (NYSE:ENVA) Q2 2020 Earnings Conference Call July 28, 2020 5:00 PM ET Company Participants Monica Gould - Investor Relations David Fisher - CEO Noah Breslow - Chairman and CEO of OnDeck Steve Cunningham - CFO Conference Call Participants Vincent Caintic - Stephens John Rowan - Janney David Scharf - JMP John Hecht - Jefferies Operator Good afternoon, everyone, and welcome to the Enova International Second Quarter 2020 Earnings Conference Call. [Operator Instructions] Please also no ...

Announcing the Acquisition of OnDeck July 28, 2020 Use Of Forward-Looking Statements This Use of Forward-Looking Statements This document includes certain "forward-looking statements" within the meaning of, and subject to the safe harbor created by, Section 21E of the Securities Exchange Act of 1934, as amended. Statements that are not historical facts, including statements about Enova's managements' beliefs and expectations, are forward-looking statements. Words such as "believes", "anticipates", "estimate ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | --- | --- | --- | |---------------------------------------------------------------------------------------|------------------------------------------------------------------------------|-- ...