Enova International, Inc. (ENVA) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon, and welcome to the Enova International Second Quarter 2026 Earnings Conference Call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your telephone keypad. I would now like to turn the conference over to Lindsay Savarese, Investor Relations, Enova. Please go ahead. Thank you, Operator, and good afternoon, everyone. Enova released results for the second quarter of 2026, ended June 30, 2026, this afternoon after market close. 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 Steve Cunningham, Chief Executive Officer, and Scott Cornelis, Chief Financial Officer. This call is being webcast and will be archived on our investor relations section of our website. Before I turn the call over to Steve, 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 Forms 10-Q, and current reports on Forms 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 the generally accepted a...