Enova International, Inc. (ENVA) SEC Filing 10-K Annual report for the fiscal year ending Tuesday, December 31, 2019

Exhibit 99.1

Fourth Quarter and Full Year 2019 Enova International, Inc. Earnings Conference Call Transcript

JANUARY 29, 2020

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 Enova International, Inc. does not update or delete outdated information contained in this transcript, and disclaims any obligation to do so.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 and Full Year 2019 Conference Call. [Operator Instructions] After today’s presentation there will be an opportunity to ask questions. Please note that this event is being recorded.

I would now like to turn the conference over to Monica Gould, Investor Relations for Enova. Please go ahead, ma’am.

Monica Gould:

Thank you, Chuck, and good afternoon, everyone. Enova released results for the fourth quarter and full year 2019 ended December 31, 2019, 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 based on the business environment as we currently see it. As such, does include certain risks and uncertainties. Please refer to our press release and our SEC filings for more information on the specific risk factors that could cause our actual results to differ materially from the projections described in today’s discussion.

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.

In addition to U.S. GAAP reporting, we report certain financial measures that do not conform to Generally Accepted Accounting Principles. We believe these non-GAAP measures enhance the understanding of our performance. Reconciliations between these GAAP and non-GAAP measures are included in the tables found and in today’s press release. As noted on our earnings release, we have posted supplemental financial information on the IR portion of our website.

Lastly, I’d like to note that all results discussed on this call, including comparisons to prior periods and guidance will be presented on a continuing operations basis and exclude any onetime charges and results related to the discontinued operations in the U.K., unless otherwise noted.

Enova exited the U.K. market in Q4 2019.

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

David Fisher, CEO:

Thanks, Monica, and good afternoon, everyone. Thank you for joining our call today. I’m going to start by giving you a brief overview of the fourth quarter and full year, and then I’ll update you on our strategy and outlook for 2020. After that, I’ll turn the call over to Steve Cunningham, our CFO, who will discuss our financial results and guidance in more detail.