Enova International, Inc. (NYSE:ENVA) Q4 2018 Earnings Conference Call January 31, 2019 5:00 PM ET Company Participants Monica Gould - IR David Fisher - CEO Steve Cunningham - CFO Conference Call Participants David Scharf - JMP Securities Vincent Caintic - Stephens Incorporated John Hecht - Jefferies John Rowan - Janney Operator Hello everyone and welcome to the Enova International Fourth Quarter and Full-Year 2018 Earnings Conference Call. All participants today will be in a listen-only mode. [Operator Ins ...