Enova International, Inc. (ENVA) Q1 2025 Earnings Call

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WEBVTT 00:00:00.723 -- 00:00:05.848 Hello and welcome to the ANOVA International First Quarter 2025 Earnings 00:00:05.848 -- 00:00:10.492 Conference Call. All participants will be in listen-only mode. 00:00:10.492 -- 00:00:14.276 Should you need assistance, please signal a conference specialist by pressing the star 00:00:14.276 -- 00:00:19.441 key followed by zero. After today's presentation, there will be an opportunity to 00:00:19.441 -- 00:00:24.686 ask questions. To ask a question, you may press star, then one. 00:00:24.686 -- 00:00:27.875 Please note, this event is being recorded. 00:00:27.875 -- 00:00:33.263 I would now like to turn the conference over to Lindsay Sathery, Investor Relations. 00:00:33.263 -- 00:00:35.703 Please go ahead. 00:00:36.127 -- 00:00:38.330 Thank you, Operator, and good afternoon, everyone. 00:00:38.330 -- 00:00:44.278 The NOVA release results for the first quarter of 2025 ended March 31, 2025, 00:00:44.278 -- 00:00:49.386 this afternoon, after market close. If you did not receive a copy of our earnings press 00:00:49.386 -- 00:00:56.012 release, you may obtain it from the Investor Relations section of our website at ir.inova.com. 00:00:56.748 -- 00:01:02.094 With me on today's call are David Fisher, Chief Executive Officer, and Steve 00:01:02.094 -- 00:01:07.681 Cunningham, Chief Financial Officer. This call is being webcast and will be archived 00:01:07.681 -- 00:01:11.205 on the Investor Relations section of our website. 00:01:11.205 -- 00:01:16.010 Before I turn the call over to David, I'd like to note that today's discussion will contain 00:01:16.010 -- 00:01:21.096 forward-looking statements and, as such, is subject to risks and 00:01:21.096 -- 00:01:26.112 uncertainties. Actual results may differ materially as a result from vario...