[8-K] Enova International, Inc. Reports Material Event

Rhea-AI Filing Summary

MillerKnoll, Inc. (MLKN) – Form 4 filing for Chief Strategy & Technology Officer Megan C. Lyon, dated 07/24/2025.

On 07/22/2025 Lyon converted 35,376 restricted stock units (RSUs) into common shares (Transaction Code “M”) at a stated price of $0.00, increasing her direct common-stock holdings to 74,371.33 shares immediately after the conversions. To satisfy withholding obligations, she disposed of 10,499.198 shares at $19.50 per share (Transaction Code “F”), leaving 63,872.13 shares held directly.

Following the transactions, Lyon retains 53,931 unvested RSUs (down from 59,176). Of these, 30,131 RSUs represent her fiscal 2024 annual incentive bonus (cliff-vest 07/22/2025) and 5,245 RSUs follow a 33%/33%/34% annual vest schedule through 2027.

Net result: Lyon’s equity exposure increased by ~24.9 k shares; all sales were automatic tax-withholding sales rather than open-market disposals. No other insider or company-level financial data is included.

Positive

• Net acquisition of approximately 24,877 common shares by a C-suite executive increases insider ownership and aligns incentives.

Negative

• Disposition of 10,499 shares at $19.50 (tax-withholding) represents dilution of the initial RSU conversion, though routine.

Insights

Equity Compensation Analyst

TL;DR: Executive net adds 24.9 k MLKN shares; disposals were tax-withholding—impact neutral.

The Form 4 shows standard RSU settlement activity. Lyon converted 35,376 RSUs, then sold 10,499 shares to cover taxes at $19.50, a routine price-and-sell mechanism set by the company. Her direct ownership rose 64% to 63,872 shares, signalling continued alignment with shareholders. RSU balance declines appropriately to 53,931, maintaining long-term incentives. Because no discretionary market sale occurred, the filing does not suggest bearish insider sentiment. Material impact on MLKN’s float is de minimis.

Portfolio Risk Manager

TL;DR: Routine compensation settlement; no valuation signal, not market-moving.

Transaction codes “M” and “F” indicate option/RSU conversion and tax-withholding sell-to-cover, respectively. The $205 k gross market value sold (10,499 × $19.50) is immaterial versus MLKN’s average daily volume, so liquidity or sentiment impact is negligible. Net share accumulation by a C-suite member can be viewed as slightly reassuring, yet lacks predictive power absent open-market buys. I classify the disclosure as non-impactful from a risk-assessment standpoint.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 24, 2025

ENOVA INTERNATIONAL, INC.

(Exact name of Registrant as Specified in Its Charter)

Delaware			1-35503	45-3190813
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
175 West Jackson Boulevard
Chicago, Illinois				60604
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 312 568-4200

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, $.00001 par value per share		ENVA		New York Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On July 24, 2025, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended June 30, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

The information included or incorporated by reference in this Current Report on Form 8-K under this Item 2.02 is being furnished and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

The following exhibits are furnished as part of this Report on Form 8-K:

Exhibit No.	Description
99.1	Enova International, Inc. press release dated July 24, 2025
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

			Enova International, Inc.
Date:	July 24, 2025	By:	/s/ Sean Rahilly
			Sean Rahilly General Counsel & Secretary

FAQ

How many MLKN shares did Megan Lyon acquire on 07/22/2025?

35,376 shares were received through RSU conversion (Transaction Code “M”).

How many MLKN shares were sold to cover taxes?

A total of 10,499.198 shares were automatically sold at $19.50 each (Transaction Code “F”).

What is Megan Lyon’s current direct ownership in MLKN?

Post-transaction, she directly owns 63,872.13 common shares.

How many restricted stock units does the executive still hold?

She retains 53,931 unvested RSUs after the settlements.

Do these transactions indicate insider bullishness or bearishness?

The filing appears neutral; acquisitions were RSU settlements and sales were mandatory for tax withholding.