David Fisher - Chief Executive Officer John Hecht - Jefferies Hello. And welcome to the Enova Third Quarter 2023 Conference Call. All participants will be in listen-only mode. [Operator Instructions] After todayÂ's presentation, there will be an opportunity to ask question. [Operator Instructions] Please note, this event is being recorded. With me on todayÂ'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 ...

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, 2023 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 jur ...

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, 2023 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 jurisdic ...

Non-Prime consumers are frequently turned down by traditional banks and credit unions. Enova < 1% of Loan Balances Q2 2022 Q2 2023 12% 20% 26% 24% 18% 12% 21% 27% 24% 16% Super Prime © Enova International, Inc. 9 Compliance Customer Safety and Privacy Apply and manage account anytime and anywhere privately from desktop or mobile devices with secure systems to protect sensitive information © Enova International, Inc. © Enova International, Inc. 11 RealView™ Credit Modeling: Performance vs Standard Scoring En ...

Our effective tax rate was 25.7% in the second quarter compared to 24.9% for the second quarter of 2022. We expect our effective tax rate to remain around 25%. Our solid balance sheet and ample liquidity give us the financial flexibility to successfully navigate a range of operating environments and has allowed us to deliver on our commitment to driving long-term shareholder value through continued investments in our business as well as share repurchases and open market repurchases and retirement of our sen ...

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, 2023 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 ...

Company Participants David Fisher - Chairman & CEO Conference Call Participants John Hecht - Jefferies John Rowan - Janney Montgomery Scott Good afternoon and welcome to the Enova International First Quarter 2023 Earnings Conference Call. [Operator Instructions]. Lindsay Savarese 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. In addition to U.S. ...

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, 2022 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 (I.R.S. Em ...

Enova International, Inc. (NYSE:ENVA) Q4 2022 Earnings Conference Call February 1, 2023 5:00 PM ET Lindsay Savarese - Investor Relations David Fisher - Chief Executive Officer Steven Cunningham - Chief Financial Officer David Scharf - JMP John Hecht - Jefferies John Rowan - Janney Vincent Caintic - Stephens Good day and welcome to the Enova International Fourth Quarter and Full Year 2022 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. Lindsay Savarese And with th ...

Enova International, Inc. (NYSE:ENVA) Q3 2022 Earnings Conference Call October 27, 2022 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 John Rowan – Janney John Hecht – Jefferies Vincent Caintic – Stephens Operator Good afternoon, and welcome to the Enova International Third Quarter 2022 Earnings Conference Call. All participants will be in listen-only mode. ...