Enova International, Inc. (NYSE:ENVA) Q4 2022 Earnings Call Transcript

David Fisher: Yes. Another great question. So we’re not being super aggressive with taking share right now because we don’t want to be too aggressive with our lending. But we continue to build out products and expand the types of opportunities we can offer to small businesses and we’ll continue to do that over time so that as we do get aggressive hopefully in the next — more aggressive over the next 6 to 12 months, we can take our industry-leading position, combine that with the new products that we can offer customers and we’ll be even in a more dominant position. So we’re gaining share just by kind of just by the fact that competitors are pulling back even more due to credit concerns or lack of capital and we’re fine with that. But we’re not trying to maximize our market share right now because we do want to make sure that we’re being smart about credit. But continuing to build in the background so that when we do get more aggressive, we’re really well positioned.

Operator: This concludes our question-and-answer session. I would like to turn the conference back over to David Fisher for any closing remarks.

David Fisher: We appreciate everyone joining us today and your questions and we look forward to talking to you again next quarter. Have a great evening.

Operator: The conference has now concluded. Thank you for attending today’s presentation. You may all now disconnect.