Total revenue increased 20% from the fourth quarter of 2022 to $584 million Diluted earnings per share totaled $1.13 and adjusted earnings per share totaled $1.83 Total company combined loans and finance receivables increased 16% from the end of fourth quarter of 2022 to $3.3 billion as total company originations reached a quarterly record of $1.4 billion Continued solid credit performance and outlook with a fourth quarter net revenue margin of 56% and a sequential increase in the fair value of the consoli ...

Enova International, Inc. (NYSE:ENVA) Q3 2023 Earnings Conference Call October 24, 2023 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 Vincent Caintic - Stephens John Rowan - Janney Operator Hello. And welcome to the Enova Third Quarter 2023 Conference Call. All participants will be in listen-only mode. [Operator Instructio ...

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 UNITED STATES SECURITIES AND EXCHANGE COMMISSION ☐ 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 ...

Enova International, Inc. (NYSE:ENVA) Q2 2023 Earnings Conference Call July 25, 2023 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 Vincent Caintic – Stephens Alexander Villalobos – Jefferies Operator Good afternoon and welcome to the Enova International Second Quarter 2023 Earnings Conference Call. All participants will be in listen-onl ...

Revenue and Income - Consolidated total revenue increased by $97.6 million, or 25.3%, to $483.3 million for the three months ended March 31, 2023, compared to $385.7 million for the same period in 2022[132]. - Consolidated net revenue was $285.9 million, up from $268.7 million in the prior year quarter[132]. - Consolidated income from operations rose by $18.5 million, or 20.4%, to $109.3 million in the current quarter compared to $90.8 million in the prior year quarter[132]. - Consolidated net income was $50.9 million in the current quarter, slightly down from $52.4 million in the prior year quarter[132]. - Consolidated diluted income per share increased to $1.56 in the current quarter from $1.50 in the prior year quarter[132]. - Total revenue for Q1 2023 increased by $97.6 million, or 25.3%, to $483.3 million compared to $385.7 million in Q1 2022, driven by a 46.7% increase in small business portfolio revenue and a 13.1% increase in consumer portfolio revenue[144]. - Net revenue for Q1 2023 was $285.9 million, up from $268.7 million in Q1 2022, with a consolidated net revenue margin of 59.2% compared to 69.7% in the prior year quarter[145]. - Net income for Q1 2023 was $50.9 million, compared to $52.4 million in Q1 2022, with diluted earnings per share increasing to $1.56 from $1.50[139]. - Adjusted EBITDA for Q1 2023 was $125.8 million, compared to $105.6 million in Q1 2022, with an adjusted EBITDA margin of 26.0%[141]. Expenses and Financial Adjustments - Operating expenses decreased slightly to $176.6 million in Q1 2023 from $177.9 million in Q1 2022, with marketing expenses down to $79.8 million from $93.2 million[144]. - Interest expense increased to $43.3 million in Q1 2023 from $22.5 million in Q1 2022, reflecting higher borrowing costs[141]. - The company incurred $1.7 million in lease termination and cease-use costs in Q1 2023, impacting adjusted earnings[139]. - The fair value of loans and finance receivables was adjusted in response to market conditions, with management increasing discount rates in 2022 to lower loan fair values[136]. - The company continues to adjust charge-off expectations in its fair value models based on changing market conditions and internal factors[136]. - The company reported a change in fair value of $(197.4) million in Q1 2023, compared to $(117.0) million in Q1 2022[144]. - Total operating expenses decreased by $1.3 million, or 0.7%, to $176.6 million in the current quarter compared to $177.9 million in the prior year quarter[168]. - Interest expense, net increased by $20.8 million, or 92.7%, to $43.3 million in the current quarter due to an increase in the average amount of debt outstanding[171]. - The effective tax rate decreased to 22.4% in the current quarter from 23.2% in the prior year quarter due to larger excess tax benefits on stock compensation[172]. - Net income decreased by $1.5 million, or 2.9%, to $50.9 million compared to $52.4 million in the prior year quarter, primarily due to higher interest expenses[175]. Loan and Finance Receivables - Approximately $4.5 billion in credit was extended to borrowers in 2022, with about $1.1 billion extended in the first quarter of 2023[115]. - The company processed approximately 2.5 million transactions in 2022, continuing to grow its loan and finance receivable portfolios[118]. - The fair value of the loan and finance receivable portfolio was $3,003.4 million as of March 31, 2023, compared to $2,231.9 million in 2022[147]. - The outstanding principal balance of the loan and finance receivables portfolio increased to $2,700.1 million from $2,099.0 million year-over-year[147]. - The average amount outstanding per loan and finance receivable increased to $5,065 from $4,315, driven by a higher mix of small business loans[152]. - The ratio of fair value as a percentage of principal for company-owned loans was 111.2% as of March 31, 2023, up from 106.3% in the prior year[151]. - The delinquency rate for loans over 30 days increased to 7.1% in the first quarter of 2023, compared to 5.2% in the first quarter of 2022[157]. - The small business portfolio represented 64.3% of the combined loan and finance receivable portfolio at fair value as of March 31, 2023, up from 57.8% in the prior year[148]. - The ending balance of combined consumer loans and finance receivables increased 2.9% to $991.6 million as of March 31, 2023, compared to $963.4 million at the same date in 2022[160]. - The percentage of loans greater than 30 days delinquent remained flat at 7.3% as of March 31, 2023, consistent with the previous year[161]. - Charge-offs (net of recoveries) as a percentage of average combined loan balance increased to 15.2% for the current quarter, compared to 14.2% for the prior year quarter[162]. - The ratio of fair value as a percentage of principal on consumer loans and finance receivables was 117.2% at March 31, 2023, up from 105.6% at March 31, 2022[163]. - The ending balance of small business loans and finance receivables increased 48.4% to $1,806.5 million as of March 31, 2023, compared to $1,217.6 million at the same date in 2022[165]. - The percentage of loans greater than 30 days delinquent for small business loans increased to 7.0% as of March 31, 2023, compared to 3.6% at the same date in 2022[166]. - Charge-offs (net of recoveries) as a percentage of average loan balance for small business loans increased to 4.2% for the current quarter, compared to 1.9% in the prior year quarter[166]. Cash Flow and Equity - Cash and cash equivalents increased to $288.4 million as of March 31, 2023, from $178.4 million as of December 31, 2022, with restricted cash accounting for $190.7 million[176]. - Net cash provided by operating activities increased by $128.5 million, or 83.7%, to $282.0 million in the current quarter from $153.5 million in the prior year quarter[189]. - Total stockholders' equity increased by $34.6 million to $1,220.8 million at March 31, 2023, driven primarily by net income[180]. - Cash flows used in investing activities decreased to $205.4 million from $386.5 million in the prior year quarter, due to a reduction in loan originations[192]. - Cash flows provided by financing activities were $33.6 million, driven by net borrowings under the revolving line of credit and securitization facilities[193]. - As of March 31, 2023, the company had funding capacity of $601.1 million and no recourse debt obligations due until September 2024[176]. - The weighted average interest rate on total funding debt was 6.63% as of March 31, 2023[185]. - The company had $16.7 million in common stock repurchases during the three months ended March 31, 2023[181]. - The company expects cash flows from operations and available cash balances to be sufficient to fund future operating liquidity needs[191].

Enova International, Inc. (NYSE:ENVA) Q1 2023 Earnings Conference Call April 25, 2023 5:00 PM ET Company Participants Lindsay Savarese - IR David Fisher - Chairman & CEO Steven Cunningham - CFO Conference Call Participants David Scharf - JMP Securities John Hecht - Jefferies Vincent Caintic - Stephens Inc. John Rowan - Janney Montgomery Scott Operator Good afternoon and welcome to the Enova International First Quarter 2023 Earnings Conference Call. [Operator Instructions]. I would now like to turn the confe ...

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 of incorpo ...

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