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 conference over to Lindsay Savarese of Investor Relations. Please go ahead.

Lindsay Savarese

Thank you, operator, and good afternoon, everyone. Enova released results for the first quarter 2023 ended March 31, 2023, this afternoon after market closed. If you did not received 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 Form 10-Q and current reports on Form 8-K. Please note that any forward-looking statements that are made on this call are based on assumptions as of today, and we undertake no obligation to update these statements as a result of new information or future events.

In addition to U.S. GAAP reporting, Enova reports certain financial measures that do not conform to generally accepted accounting principles. We believe these non-GAAP measures enhance the understanding of our performance. Reconciliations between these GAAP and non-GAAP measures are included in the tables found in today's press release. As noted in our earnings release, we have posted supplemental financial information on the IR portion of our website.

And with that, I'd like to turn the call over to David.

David Fisher

Thanks, and good afternoon, everyone. I appreciate you joining our call today. I'll start with an overview of our first quarter results, and then I'll discuss our strategy and outlook for 2023. After that, I'll turn the call over to Steve Cunningham, our CFO, who will discuss our financial results and outlook in more detail.