STOCK TITAN

Enova (ENVA) CEO sells 7,852 shares, keeps 122,945-share stake

Filing Impact
(Very High)
Filing Sentiment
(Negative)
Form Type
4

Rhea-AI Filing Summary

Enova International CEO Steven E. Cunningham reported an exercise-and-sell stock transaction. He exercised non-qualified stock options for 3,696 shares of common stock at an exercise price of $31.98 per share on April 28, 2026. On the same date, he sold a total of 7,852 shares of common stock in open-market transactions at a price of $175.50 per share. After these trades, he directly owns 122,945 shares of Enova common stock and holds 7,391 non-qualified stock options with an exercise price of $31.98 per share that are scheduled to expire on August 3, 2028.

Positive

  • None.

Negative

  • None.
Insider Cunningham Steven E
Role Chief Executive Officer
Sold 7,852 shs ($1.38M)
Type Security Shares Price Value
Exercise Non-Qualified Stock Option (right to buy) with limited SAR 3,696 $0.00 --
Sale Common stock, par value $0.00001 per share 4,156 $175.50 $729K
Exercise Common stock, par value $0.00001 per share 3,696 $31.98 $118K
Sale Common stock, par value $0.00001 per share 3,696 $175.50 $649K
Holdings After Transaction: Non-Qualified Stock Option (right to buy) with limited SAR — 7,391 shares (Direct, null); Common stock, par value $0.00001 per share — 122,945 shares (Direct, null)
Footnotes (1)
  1. The limited stock appreciation right ("SAR") and employee stock option were granted in tandem. Accordingly, the exercise of one results in the expiration of the other. The SAR may be exercised only during the period beginning on the first day following the date that a "Change in Control" of Issuer occurs (as defined in the related grant agreement) and ending on the thirtieth day following such date. Upon exercise, the grantee shall be able to receive an amount equal to the product computed by multiplying (i) the excess of the "Offer Value Per Share" over the exercise price of the underlying option by (ii) the number of shares with respect to which the SAR is being exercised; provided, that such amount shall only be payable in the event an "Offer" is made. The "Offer Value Per Share" means the average selling price of Issuer's common stock during the period of 30 days ending on the date on which the SAR is exercised. "Offer" means any tender offer or exchange offer for outstanding shares of Issuer representing at least 30% of the total voting power of the stock of Issuer, or an offer to purchase assets from Issuer that have a total gross fair market value equal to or more than 40% of the total gross fair market value of all of the assets of Issuer, other than an offer made by Issuer. The options vested in substantially equal one-third increments on each of the following dates: February 2, 2023, February 3, 2024 and February 3, 2025.
Shares sold 7,852 shares Open-market sales on April 28, 2026 at $175.50 per share
Sale price $175.50 per share Price for 7,852 common shares sold on April 28, 2026
Options exercised 3,696 shares Non-qualified stock option exercise at $31.98 per share
Option exercise price $31.98 per share Strike price of exercised non-qualified options
Shares owned after 122,945 shares Direct Enova common stock holdings following transactions
Options remaining 7,391 options Non-qualified stock options outstanding after exercise, expiring August 3, 2028
Option expiration August 3, 2028 Expiration date of remaining non-qualified stock options
Non-Qualified Stock Option financial
"Non-Qualified Stock Option (right to buy) with limited SAR"
A non-qualified stock option (NSO) is a contract that lets an employee or service provider buy company shares at a fixed price for a set period, like a voucher to purchase stock later at today’s price. It matters to investors because exercising NSOs creates ordinary income for the holder and can increase share count, affecting a company’s earnings and ownership mix; think of it as a future sale that can dilute existing shareholders and has immediate tax consequences for the recipient.
limited stock appreciation right financial
"The limited stock appreciation right ("SAR") and employee stock option were granted in tandem."
Change in Control financial
"The SAR may be exercised only during the period beginning on the first day following the date that a "Change in Control" of Issuer occurs"
A "change in control" occurs when the ownership or management of a company shifts significantly, such as through a merger, acquisition, or sale of a large part of its assets. This change can impact how the company is run and may influence its future direction. For investors, it matters because it can affect the company's stability, strategy, and value, often signaling potential changes in investment risk or opportunity.
Offer Value Per Share financial
"The "Offer Value Per Share" means the average selling price of Issuer's common stock during the period of 30 days ending on the date on which the SAR is exercised."
tender offer financial
""Offer" means any tender offer or exchange offer for outstanding shares of Issuer representing at least 30% of the total voting power"
A tender offer is a proposal made by a person or company to buy shares from existing shareholders at a set price, usually higher than the current market value, within a specific time frame. It matters to investors because it can lead to a change in ownership or control of a company, and shareholders must decide whether to sell their shares at the offered price.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Cunningham Steven E

(Last)(First)(Middle)
C/O ENOVA INTERNATIONAL, INC.
175 W. JACKSON BOULEVARD, SUITE 600

(Street)
CHICAGO ILLINOIS 60604

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Enova International, Inc. [ ENVA ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
XOfficer (give title below)Other (specify below)
Chief Executive Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
04/28/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common stock, par value $0.00001 per share04/28/2026S4,156D$175.5122,945D
Common stock, par value $0.00001 per share04/28/2026M3,696A$31.98126,641D
Common stock, par value $0.00001 per share04/28/2026S3,696D$175.5122,945D
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Non-Qualified Stock Option (right to buy) with limited SAR(1)(2)$31.9804/28/2026M3,696 (3)08/03/2028Common stock; par value $0.00001 per share3,696$07,391D
Explanation of Responses:
1. The limited stock appreciation right ("SAR") and employee stock option were granted in tandem. Accordingly, the exercise of one results in the expiration of the other. The SAR may be exercised only during the period beginning on the first day following the date that a "Change in Control" of Issuer occurs (as defined in the related grant agreement) and ending on the thirtieth day following such date. Upon exercise, the grantee shall be able to receive an amount equal to the product computed by multiplying (i) the excess of the "Offer Value Per Share" over the exercise price of the underlying option by (ii) the number of shares with respect to which the SAR is being exercised; provided, that such amount shall only be payable in the event an "Offer" is made.
2. The "Offer Value Per Share" means the average selling price of Issuer's common stock during the period of 30 days ending on the date on which the SAR is exercised. "Offer" means any tender offer or exchange offer for outstanding shares of Issuer representing at least 30% of the total voting power of the stock of Issuer, or an offer to purchase assets from Issuer that have a total gross fair market value equal to or more than 40% of the total gross fair market value of all of the assets of Issuer, other than an offer made by Issuer.
3. The options vested in substantially equal one-third increments on each of the following dates: February 2, 2023, February 3, 2024 and February 3, 2025.
/s/ Sean Rahilly, as attorney in fact04/30/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did Enova (ENVA) CEO Steven Cunningham report?

Enova CEO Steven Cunningham reported exercising stock options and selling common shares. He exercised 3,696 options at $31.98 per share and sold 7,852 common shares at $175.50 per share, all dated April 28, 2026.

How many Enova (ENVA) shares did the CEO sell and at what price?

Steven Cunningham sold 7,852 Enova common shares in open-market transactions at $175.50 per share. These sales occurred on April 28, 2026 and were reported as open-market or private sale transactions under SEC transaction code "S."

What stock options did the Enova (ENVA) CEO exercise in this Form 4?

Cunningham exercised 3,696 non-qualified stock options with an exercise price of $31.98 per share, linked to a tandem limited stock appreciation right. The options relate to Enova common stock and are part of an award that vested in thirds during 2023, 2024, and 2025.

What are Steven Cunningham’s Enova (ENVA) holdings after these transactions?

After the reported transactions, Cunningham directly holds 122,945 shares of Enova common stock. He also retains 7,391 non-qualified stock options with an exercise price of $31.98 per share, scheduled to expire on August 3, 2028, according to the Form 4 data.

What is the nature of the Enova (ENVA) CEO’s remaining stock options?

The remaining 7,391 options are non-qualified stock options with a limited stock appreciation right attached. They carry an exercise price of $31.98 per share and an expiration date of August 3, 2028, following vesting in roughly equal tranches from 2023 through 2025.

How many Enova (ENVA) shares were sold versus exercised by the CEO?

Cunningham exercised 3,696 options into common stock and sold 7,852 common shares. The sale amount exceeds the exercised shares, indicating both newly acquired and previously held shares were included in the open-market sales reported for April 28, 2026.