Enova International, Inc. (ENVA) Q2 2025 Earnings Call

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WEBVTT 00:00:00.638 -- 00:00:05.744 Good afternoon, and welcome to the Inova International Second Quarter 2025 00:00:05.744 -- 00:00:11.250 Earnings Conference Call. All participants will be in listen-only mode. 00:00:11.250 -- 00:00:15.975 Should you need assistance, please signal a conference specialist by pressing the star 00:00:15.975 -- 00:00:18.718 key followed by zero. 00:00:18.718 -- 00:00:23.243 After today's presentation, there will be an opportunity to ask questions. 00:00:23.243 -- 00:00:28.432 To ask a question, you may press star, then one on your telephone keypad. 00:00:28.432 -- 00:00:32.918 To withdraw your question, please press star, then two. 00:00:32.918 -- 00:00:36.704 Please note, this event is being recorded. 00:00:36.704 -- 00:00:40.509 I would now like to turn the conference over to Lindsay Savarese, Investor Relations 00:00:40.509 -- 00:00:42.191 for Inova. Please go ahead. 00:00:42.191 -- 00:00:46.057 Thank you, Operator, and good afternoon, everyone. 00:00:46.057 -- 00:00:52.844 Inova released results for the second quarter, 2025, and did June 30, 2025, 00:00:52.886 -- 00:00:57.685 this afternoon after market close. If you did not receive a copy of our earnings press 00:00:57.685 -- 00:01:02.774 release, you may obtain it from the investor relations section of our website at 00:01:02.774 -- 00:01:04.774 ir.enova.com. 00:01:05.880 -- 00:01:11.209 With me on today's call are David Fisher, Chief Executive Officer, and Steve 00:01:11.209 -- 00:01:16.238 Cunningham, Chief Financial Officer. This call is being webcast and will 00:01:16.238 -- 00:01:20.558 be archived on the investor relations section of our website. 00:01:20.558 -- 00:01:25.146 Before I turn the call over to David, I'd like to note that today's discussion will contain 00:01:25....