Lindsay Savory
Investor Relations, Innova International
Replay available
Enova International, Inc. (NYSE: ENVA) Q4 2025 earnings conference call, held 2026-01-27. Replay captured from the company's public earnings webcast.

Investor Relations, Innova International
Executive Chairman of the Board of Directors
Chief Executive Officer
Chief Financial Officer
Analyst at TD Cohen
Analyst at Seaport Research Partners
Analyst at Jefferies
Analyst at Stephens
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WEBVTT 00:00:00.031 -- 00:00:05.057 Good day and welcome to the Innova International fourth quarter and full year 2025 00:00:05.057 -- 00:00:07.057 earnings. 00:00:20.555 -- 00:00:23.919 Question, you may press star then one on your telephone keypad. 00:00:23.919 -- 00:00:27.383 To withdraw your question, please press star then two. 00:00:27.383 -- 00:00:30.946 Please note, this event is being recorded 00:00:30.946 -- 00:00:35.352 I would now like to turn the conference over to Lindsay Savory, Investor Relations for 00:00:35.352 -- 00:00:38.256 Innova. Please go ahead. 00:00:38.256 -- 00:00:40.759 Thank you, Operator, and good afternoon, everyone. 00:00:40.759 -- 00:00:46.047 Innova released results for the fourth quarter and full year 2025 and did December 00:00:46.047 -- 00:00:48.147 31, 2025, 00:00:48.330 -- 00:00:52.936 this afternoon after market close. If you did not receive a copy of our earnings press 00:00:52.936 -- 00:00:59.562 release, you may obtain it from the Investor Relations section of our website at ir.inova.com. 00:01:00.241 -- 00:01:05.846 With me on today's call are David Fisher, Executive Chairman of the Board of Directors, 00:01:05.846 -- 00:01:12.012 Steve Cunningham, Chief Executive Officer, and Scott Cornelis, Chief Financial Officer. 00:01:12.012 -- 00:01:15.935 This call is being webcast and will be archived on the investor relations section of 00:01:15.935 -- 00:01:17.677 our website. 00:01:17.677 -- 00:01:22.441 Before I turn the call over to David, I'd like to note that today's discussion will contain 00:01:22.441 -- 00:01:27.506 forward-looking statements and as such is subject to risks and uncertainties. 00:01:27.506 -- 00:01:30.447 Actual results may differ materially 00:01:30.447 -- 00:01:35.312 as a result from various important ri...