Enova International, Inc. (NYSE:ENVA) Q1 2022 Earnings Conference Call May 3, 2022 5:00 PM ET

Company Participants

Cassidy Fuller - Investor Relations, The Blueshirt Group

David Fisher - Chief Executive Officer

Steven Cunningham - Chief Financial Officer

Conference Call Participants

David Scharf - JMP Securities

Vincent Caintic - Stephens Inc.

John Hecht - Jefferies LLC

John Rowan - Janney Montgomery Scott LLC

Operator

Good day, and welcome to the Enova International First Quarter 2022 Earnings Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note that this event is being recorded.

I would now like to turn the conference over to Cassidy Fuller, Investor Relations. Please go ahead.

Cassidy Fuller

Thank you, operator, and good afternoon, everyone. Enova released results for the first quarter 2022 ended March 31, 2022, this afternoon after the market closed. 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 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 that 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

Good afternoon, everyone. Thanks for joining our call today. I'll first provide an overview of our first quarter results, and then I'll discuss our strategy and outlook for the remainder of 2022. After that, I'll turn the call over to Steve Cunningham, our CFO, who will discuss our financial results and outlook in more detail.