Enova International, Inc. (ENVA) SEC Filing 10-K Annual report for the fiscal year ending Wednesday, December 31, 2014

Exhibit 99.1

Fourth Quarter and Full Year 2014 Earnings Conference Call Transcript

February 3, 2015

This transcript is provided by Enova International, Inc. only for reference purposes. Information presented was current only as of the date of the conference call, and may have subsequently changed materially. Enova International, Inc. does not update or delete outdated information contained in this transcript, and disclaims any obligation to do so.

PRESENTATION

Operator:

Good day and welcome to the Enova International Fourth Quarter 2014 Conference Call and webcast. All participants will be on listen only mode. (Operator Instructions) After today's presentation there will be an opportunity to ask questions. (Operator Instructions) Please note that this event is being recorded. I would now like to turn the conference call to Ms. Monica Gould. Ms. Gould, the floor is yours ma'am.

Monica Gould:

Thank you Mike, good afternoon everyone and thank you for joining us. Enova released results for the fourth quarter of fiscal 2014 ended December 31 2014 today after the market close. If you would like a copy of the release, you can access it on the IR section of our website at ir.enova.com. With me on today's call are David Fisher, Chief Executive Officer and Robert Clifton, Chief Financial Officer. This call is being webcast and will be archived on the Investor Relations section of our website. Before David begins, I'd like to remind you that the information we're about to discuss today may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on current expectations that are subject to a number of risks and uncertainties that may cause actual results to differ materially from expectations. Factors that could cause these results to differ materially are set forth in today's press release and on Form S-1 filed with the SEC on December 4, 2014.

Any forward-looking statements should be considered in light of these factors. Any forward-looking statements that we make 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. Additionally, this presentation contains GAAP measures and certain non-GAAP or adjusted financial measures as defined by the SEC. Per SEC requirements you will find additional disclosures regarding non-GAAP measures, including reconciliations of these measures with U.S GAAP in our press release issued today. As noted in our press release, we have posted supplemental financial information on the IR portion of our website at ir.enova.com.

And with that I'd like to turn the call over to David.

David Fisher, CEO:

Thanks and good afternoon everyone.

Thank you for joining us for Enova’s first earnings conference call as a public company. Since some of you may be new to the Enova story, let me start off with an overview of our business and our growth strategy, and then I will review our recent achievements and performance.

Enova is an established technology company with a leading-edge technology and online lending platform that addresses a segment of the credit market that is not being served by traditional lenders. The strength of this online