Enova International, Inc. (ENVA) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.176 Good day and welcome to the Inova International first quarter 2026 earnings conference 00:00:05.176 -- 00:00:08.559 call. All participants will be in a listen only mode. 00:00:08.559 -- 00:00:12.563 Should you need assistance, please signal a conference specialist by pressing the star 00:00:12.563 -- 00:00:14.825 key followed by zero. 00:00:14.825 -- 00:00:18.568 After today's presentation, there will be an opportunity to ask questions. 00:00:18.568 -- 00:00:22.832 To ask a question, you may press star, then one on a touch tone phone. 00:00:22.832 -- 00:00:26.395 To withdraw your question, please press star and then two. 00:00:26.395 -- 00:00:29.309 Please note this event is being recorded. 00:00:29.309 -- 00:00:33.355 I would now like to turn the conference over to Lindsay Savarese, Investor Relations 00:00:33.355 -- 00:00:36.400 for Innova. Please go ahead. 00:00:36.400 -- 00:00:38.804 Thank you, Operator, and good afternoon, everyone. 00:00:38.804 -- 00:00:45.614 Innova released results for the first quarter of 2026 and did March 31, 2026, this 00:00:45.614 -- 00:00:50.943 afternoon after market close. If you did not receive a copy of our earnings press release, 00:00:50.943 -- 00:00:54.655 you may obtain it from the Investor Relations section of our website. 00:00:54.655 -- 00:00:57.016 at ir.enova.com. 00:00:57.782 -- 00:01:03.194 With me on today's call are Steve Cunningham, Chief Executive Officer, and Scott Gornelis, 00:01:03.194 -- 00:01:08.426 Chief Financial Officer. This call is being webcast and will be archived on the Investor 00:01:08.426 -- 00:01:11.227 Relations section of our website. 00:01:11.227 -- 00:01:16.079 Before I turn the call over to Steve, I'd like to note that today's discussion will contain 00:01:16.0...