STOCK TITAN

Enova (NYSE: ENVA) CFO granted options, shares withheld for tax

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Enova International’s Chief Financial Officer Cornelis Scott reported routine equity compensation activity. He received a grant of 2,176 non-qualified stock options with a $166.88 exercise price, expiring on May 13, 2033. These options vest in three equal installments on May 13, 2027, 2028 and 2029.

The filing also shows 544 common shares withheld at $174.90 per share to cover taxes upon vesting of restricted stock units. This tax withholding was determined by the award terms and not by Scott’s discretion. After these transactions, he directly holds 10,547 Enova common shares.

Positive

  • None.

Negative

  • None.
Insider Cornelis Scott
Role Chief Financial Officer
Type Security Shares Price Value
Grant/Award Non-Qualified Stock Option (right to buy) with limited SAR 2,176 $0.00 --
Tax Withholding Common stock, par value $0.00001 per share 544 $174.90 $95K
Holdings After Transaction: Non-Qualified Stock Option (right to buy) with limited SAR — 2,176 shares (Direct, null); Common stock, par value $0.00001 per share — 10,547 shares (Direct, null)
Footnotes (1)
  1. This transaction represents the withholding by Enova International, Inc. ("Issuer") of Issuer's shares to pay taxes in connection with the vesting of restricted stock units on the Transaction Date. The timing and amount of the transaction were determined by the terms of the applicable restricted stock and were not within the control of the Reporting Person. 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 shall vest in substantially equal one-third increments on each of the following dates as long as grantee serves as an employee of Issuer or an affiliate thereof through the applicable vesting date: May 13, 2027, May 13, 2028 and May 13, 2029.
Options granted 2,176 options Non-qualified stock options with limited SAR
Option exercise price $166.88 per share Exercise price for 2,176 options
Option expiration May 13, 2033 Expiration date of granted options
Tax withholding shares 544 shares Shares withheld to pay RSU-related taxes
Tax withholding price $174.90 per share Price used for 544 withheld shares
Shares owned after transactions 10,547 shares Direct common stock holdings post-transaction
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.
stock appreciation right financial
"The limited stock appreciation right ("SAR") and employee stock option were granted in tandem."
A stock appreciation right (SAR) is a form of employee pay that gives the holder the right to receive the increase in a company's share price over a set reference price, paid in cash or shares, without having to buy stock first. It matters to investors because SARs can create future cash outflows or dilute existing shareholders if settled in stock, and they align employee incentives with share-price performance like a bonus tied to a home's price rise.
restricted stock units financial
"to pay taxes in connection with the vesting of restricted stock units on the Transaction Date."
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
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.
Change in Control financial
"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.
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FAQ

What insider transactions did Enova (ENVA) CFO Cornelis Scott report?

Enova CFO Cornelis Scott reported a grant of 2,176 non-qualified stock options and a tax-related share withholding of 544 common shares. These moves reflect routine equity compensation and tax settlement activity rather than open-market buying or selling of ENVA stock.

How many Enova (ENVA) stock options were granted to the CFO and at what price?

Cornelis Scott received 2,176 non-qualified stock options with a $166.88 exercise price per share. The options are paired with a limited stock appreciation right and provide potential future upside if Enova’s share price exceeds the exercise level after vesting.

When do the newly granted Enova (ENVA) CFO stock options vest?

The 2,176 stock options granted to Enova CFO Cornelis Scott vest in three substantially equal one-third installments. Vesting dates are May 13, 2027, May 13, 2028, and May 13, 2029, contingent on continued employment with Enova or an affiliate through each vesting date.

Why were 544 Enova (ENVA) shares disposed of in the CFO’s Form 4?

The 544-share disposition represents withholding of Enova shares to pay taxes on vesting restricted stock units. The company, not the CFO, determined timing and amount under award terms. This is a tax-settlement mechanism, not an open-market sale or discretionary reduction of his ENVA position.

How many Enova (ENVA) shares does the CFO hold after these transactions?

After the reported transactions, Enova CFO Cornelis Scott directly holds 10,547 common shares. This figure reflects his position following tax withholding of 544 shares tied to restricted stock unit vesting, as shown in the Form 4 ownership table for his direct holdings.

What is the limited stock appreciation right mentioned in the Enova (ENVA) filing?

The limited stock appreciation right is paired with the employee stock option so exercising one cancels the other. It may be exercised after a qualifying change in control and related offer, potentially paying the excess of an offer value per share over the option’s $166.88 exercise 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*
Cornelis Scott

(Last)(First)(Middle)
C/O ENOVA INTERNATIONAL, INC.
175 W. JACKSON BLVD., 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)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Financial Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/10/2026
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 share05/10/2026F544(1)D$174.910,547D
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(2)(3)$166.8805/13/2026A2,176 (4)05/13/2033Common stock; par value $0.00001 per share2,176$02,176D
Explanation of Responses:
1. This transaction represents the withholding by Enova International, Inc. ("Issuer") of Issuer's shares to pay taxes in connection with the vesting of restricted stock units on the Transaction Date. The timing and amount of the transaction were determined by the terms of the applicable restricted stock and were not within the control of the Reporting Person.
2. 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.
3. 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.
4. The options shall vest in substantially equal one-third increments on each of the following dates as long as grantee serves as an employee of Issuer or an affiliate thereof through the applicable vesting date: May 13, 2027, May 13, 2028 and May 13, 2029.
/s/ Sean Rahilly, as attorney in fact05/15/2026
** 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)