Enova International (ENVA) CEO reports option exercise and insider stock sale

Rhea-AI Filing Summary

Enova International, Inc. chief executive officer and director Mr. Fisher reported option exercises and share sales in company stock. On 12/16/2025, he exercised a non-qualified stock option for 15,000 shares of common stock at an exercise price of $23.96 per share and acquired those shares. On the same day, he sold 15,000 shares of common stock at a weighted average price of $160.244 per share under a pre-arranged Rule 10b5-1 trading plan. After these transactions, he beneficially owned 348,223 shares of common stock directly and held 47,562 derivative securities in the form of stock options. The reported options had vested in three equal installments on February 12 of 2020, 2021, and 2022.

SEC Form 4

FORM 4

UNITED 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

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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^*

Fisher David

(Last) (First) (Middle)

C/O ENOVA INTERNATIONAL, INC.

175 W. JACKSON BOULEVARD, SUITE 600

(Street)

CHICAGO IL 60604

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Enova International, Inc. [ ENVA ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Executive Officer

3. Date of Earliest Transaction (Month/Day/Year)
12/16/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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)
			Code	V	Amount	(A) or (D)	Price
Common stock, par value $0.00001 per share	12/16/2025		M		15,000	A	$23.96	363,223	D
Common stock, par value $0.00001 per share	12/16/2025		S(1)		15,000	D	$160.244(2)	348,223	D

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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Non-Qualified Stock Option (right to buy) with limited SAR(3)(4)	$23.96	12/16/2025		M			15,000	(5)	02/12/2026	Common stock; par value $0.00001 per share	15,000	$0	47,562	D

Explanation of Responses:

1. The sale reported in this Form 4 was effected pursuant to Mr. Fisher's Rule 10b5-1 trading plan.

2. This transaction was executed in multiple trades at prices ranging from $158.35 to $163.01. The price reported above reflects the weighted average sale price. The Reporting Person hereby undertakes to provide upon request to the SEC staff, the Issuer, or a stockholder of the Issuer full information regarding the number of shares and the prices at which the transaction was effected.

3. 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.

4. 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.

5. The options vested in substantially equal one-third increments on each of the following dates: February 12, 2020, February 12, 2021, and February 12, 2022.

	/s/ Sean Rahilly, as attorney in fact	12/18/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did Enova International (ENVA) disclose for its CEO?

Enova International reported that CEO and director Mr. Fisher exercised a non-qualified stock option for 15,000 shares of common stock at an exercise price of $23.96 per share on 12/16/2025, then sold 15,000 shares of common stock the same day.

At what price did the Enova (ENVA) CEO sell company shares in this filing?

The sale of 15,000 shares of Enova common stock was executed in multiple trades at prices ranging from $158.35 to $163.01, with a reported weighted average sale price of $160.244 per share.

Was the Enova (ENVA) CEO’s stock sale part of a Rule 10b5-1 plan?

Yes. The filing states that the sale reported was effected pursuant to Mr. Fisher’s Rule 10b5-1 trading plan, which is a pre-arranged plan for trading company stock.

How many Enova (ENVA) shares does the reporting person own after the transaction?

Following the reported transactions, the reporting person beneficially owned 348,223 shares of Enova common stock directly.

What derivative securities are reported for the Enova (ENVA) CEO in this filing?

The filing lists a non-qualified stock option with a conversion or exercise price of $23.96 per share, covering 15,000 shares that were exercised on 12/16/2025, with 47,562 derivative securities beneficially owned afterward.

How did the Enova (ENVA) CEO’s stock options vest according to the filing?

The options are described as having vested in substantially equal one-third increments on each of the following dates: February 12, 2020, February 12, 2021, and February 12, 2022.