Enova (ENVA) legal chief sells 12,879 shares after option exercise

Rhea-AI Filing Summary

Enova International’s General Counsel and Secretary, Sean Rahilly, reported an option exercise and share sale. On 01/30/2026, he exercised 12,879 non-qualified stock options at an exercise price of $20.73 per share, receiving 12,879 common shares.

That same day, he sold 12,879 common shares at a weighted average price of $164.2821, from multiple trades between $163.415 and $164.95. After these transactions, he directly held 100,877 shares of common stock and 15,000 non-qualified stock options.

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^*

Rahilly Sean

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	General Counsel and Secretary

3. Date of Earliest Transaction (Month/Day/Year)
01/30/2026

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	01/30/2026		M		12,879	A	$20.73	113,756	D
Common stock, par value $0.00001 per share	01/30/2026		S		12,879	D	$164.2821(1)	100,877	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(2)(3)	$20.73	01/30/2026		M			12,879	(4)	02/11/2027	Common stock; par value $0.00001 per share	12,879	$0	15,000	D

Explanation of Responses:

1. This transaction was executed in multiple trades at prices ranging from $163.415 to $164.95. 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.

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 vested in substantially equal one-third increments on each of the following dates: February 11, 2021, February 11, 2022 and February 11, 2023.

	/s/ Sean Rahilly	02/03/2026
	** 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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** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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FAQ

What insider transaction did Enova International (ENVA) report for Sean Rahilly?

Enova International reported that General Counsel and Secretary Sean Rahilly exercised 12,879 stock options and sold 12,879 common shares on January 30, 2026. The filing shows both the option exercise price and the weighted average sale price for these shares.

How many Enova (ENVA) shares did Sean Rahilly sell and at what price?

Sean Rahilly sold 12,879 shares of Enova common stock on January 30, 2026. The filing reports a weighted average sale price of $164.2821 per share, based on multiple trades executed between $163.415 and $164.95 during that trading session.

What stock options did Enova’s Sean Rahilly exercise in this Form 4 filing?

Rahilly exercised 12,879 non-qualified stock options with an exercise price of $20.73 per share. These options were paired with a limited stock appreciation right and had previously vested in three equal installments on February 11, 2021, 2022, and 2023.

How many Enova (ENVA) shares does Sean Rahilly own after the reported transactions?

After the January 30, 2026 transactions, Rahilly directly owned 100,877 shares of Enova common stock. The Form 4 also shows that he continued to hold 15,000 non-qualified stock options following the reported option exercise and share sale.

What is the limited stock appreciation right (SAR) mentioned in Enova’s Form 4?

The limited stock appreciation right was granted in tandem with the employee stock option. Exercising either the option or SAR causes the other to expire. The SAR only becomes exercisable for a defined period if a change in control and qualifying “Offer” for Enova occur.

What does the Form 4 say about how Enova (ENVA) sale prices were calculated?

The filing explains the sale was executed in multiple trades between $163.415 and $164.95 per share. The reported sale price of $164.2821 is the weighted average, and full trade details are available from the reporting person upon request.