Enova International, Inc.'s (ENVA) CEO David Fisher on Q4 2021 Results - Earnings Call Transcript

Enova International, Inc.’s (NYSE:ENVA) Q4 2021 Earnings Conference Call February 3, 2022 5:00 PM ET

Company Participants

Cassidy Fuller - Investor Relations, The Blueshirt Group
David Fisher - Chief Executive Officer
Steve Cunningham - Chief Financial Officer

Conference Call Participants

David Scharf - JMP Securities
John Rowan - Janney
Vincent Caintic - Stephens
John Hecht - Jefferies

Operator

Good afternoon and welcome to the Enova International Fourth Quarter 2021 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions]

Please note, this event is being recorded. I would now like to turn the conference over to Ms. Cassidy Fuller. Please go ahead, ma’am.

Cassidy Fuller

Thank you, operator, and good afternoon, everyone. Enova released results for the fourth quarter and full year 2021 ended December 31, 2021, this afternoon after the market closed. 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 David Fisher, Chief Executive Officer and Steve Cunningham, Chief Financial Officer. This call is being webcast and will be archived on the Investor Relations section of our website.

Before I turn the call over to David, 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, in our Annual Report on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 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