Enova International, Inc. (ENVA) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.139 Good day and welcome to the Innova International third quarter 2025 earnings 00:00:05.139 -- 00:00:10.287 conference call. All participants will be in a listen-only mode. 00:00:10.287 -- 00:00:14.533 Should you need assistance, please signal a conference specialist by pressing the star 00:00:14.533 -- 00:00:17.137 key followed by zero. 00:00:17.137 -- 00:00:22.506 After today's presentation, there will be an opportunity to ask questions. 00:00:22.506 -- 00:00:27.335 To ask a question, you may press star then one on a touch-tone phone. 00:00:27.335 -- 00:00:31.499 To withdraw your question, please press star then two. 00:00:31.499 -- 00:00:34.682 Please note this event is being recorded. 00:00:34.682 -- 00:00:39.647 I would now like to turn the conference over to Lindsay Savarese, Investor Relations 00:00:39.647 -- 00:00:43.249 for Inova. Please go ahead. 00:00:44.272 -- 00:00:47.034 Thank you, Operator, and good afternoon, everyone. 00:00:47.034 -- 00:00:53.360 Inova release results for the third quarter 2025 ended September 30, 2025, this 00:00:53.360 -- 00:00:58.704 afternoon after market close. If you did not receive a copy of our earnings press release, 00:00:58.704 -- 00:01:04.650 you may obtain it from the investor relations section of our website at ir.enova.com. 00:01:05.515 -- 00:01:10.583 With me on today's call are David Fisher, Chief Executive Officer, and Steve 00:01:10.583 -- 00:01:15.731 Cunningham, Chief Financial Officer. This call is being webcast and will be 00:01:15.731 -- 00:01:19.697 archived on the investor relations section of our website. 00:01:19.697 -- 00:01:24.525 Before I turn the call over to David, I'd like to note that today's discussion will contain 00:01:24.525 -- 00:01:30.032 forward-looking state...