Enova CEO granted 7,359 stock options

Enova International Chief Executive Officer Steven E. Cunningham received a grant of 7,359 non-qualified stock options paired with limited stock appreciation rights to acquire Enova common stock at an exercise price of $257.79 per share.

Rhea-AI Filing Summary

Enova International Chief Executive Officer Steven E. Cunningham received a grant of 7,359 non-qualified stock options paired with limited stock appreciation rights to acquire Enova common stock at an exercise price of $257.79 per share. These awards vest in three substantially equal annual installments on August 5, 2027, 2028 and 2029 and expire on August 5, 2033. The SAR component is exercisable only in connection with a defined Change in Control and a qualifying offer, with value based on the excess of an Offer Value Per Share over the option exercise price.

Insider Trade Summary

Grant/Award: 7,359 shares

Grant/Award 1 txn

Insider Cunningham Steven E

Role Chief Executive Officer

Type	Security	Shares	Price	Value
Grant/Award	Non-Qualified Stock Option (right to buy) with limited SAR F1, F2, F3	7,359	$0.00	$0.00

Holdings After Transaction: Non-Qualified Stock Option (right to buy) with limited SAR — 7,359 contracts (Direct)

Footnotes (3)

1. F1. 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. F2. 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. F3. 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: August 5, 2027, August 5, 2028 and August 5, 2029.

Key Figures

Options granted: 7,359 shares Exercise price: $257.79 per share Expiration date: August 5, 2033 +2 more

5 metrics

Options granted 7,359 shares Non-qualified stock options with limited SAR granted to CEO Steven E. Cunningham on August 5, 2026

Exercise price $257.79 per share Exercise price of the options granted August 5, 2026

Expiration date August 5, 2033 Expiration of the non-qualified stock options and tandem SAR

Vesting dates August 5, 2027; August 5, 2028; August 5, 2029 Options vest in substantially equal one-third increments on each listed date

Underlying shares 7,359 shares Number of Enova common shares underlying the option and SAR grant

Key Terms

limited stock appreciation right ("SAR"), Change in Control, Offer Value Per Share, tender offer or exchange offer

4 terms

limited stock appreciation right ("SAR") financial

"The limited stock appreciation right ("SAR") and employee stock option were granted in tandem."

Change in Control regulatory

"The SAR may be exercised only during the period after a defined "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 over 30 days."

tender offer or exchange offer regulatory

""Offer" means any tender offer or exchange offer for outstanding shares representing at least 30% voting power."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What equity award did Enova International (ENVA) CEO Steven Cunningham receive?

Steven E. Cunningham received a grant of 7,359 non-qualified stock options paired with limited stock appreciation rights. The options allow him to purchase Enova common stock at a fixed exercise price and form part of his equity-based executive compensation package.

What are the key terms of the stock appreciation right in ENVA's CEO award?

The limited stock appreciation right (SAR) is granted in tandem with the option and becomes exercisable only after a defined Change in Control. It pays the excess of the Offer Value Per Share over the $257.79 exercise price per share, but only if a qualifying Offer occurs.

When do Steven Cunningham's ENVA stock options vest and expire?

The options vest in substantially equal one-third increments on August 5, 2027, 2028 and 2029, contingent on continued employment. They have an expiration date of August 5, 2033, after which any unexercised options and related SARs lapse.

What is the exercise price of the ENVA stock options granted to the CEO?

The options have an exercise price of $257.79 per share for Enova common stock. This means Cunningham may purchase up to 7,359 underlying shares at $257.79 each, subject to vesting and other terms of the grant agreement.

Does this ENVA Form 4 show a market purchase or sale by the CEO?

No. The Form 4 reports a grant of derivative securities—non-qualified stock options with SARs—coded as an acquisition (A), at a transaction price of $0.00. It does not disclose any open-market purchase or sale of Enova common stock.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/07/2026 - 04:32 PM Accepted by SEC EDGAR 08/07/2026 - 04:30 PM Learn about SEC filing dates

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

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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/05/2026

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

X	Form 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)
			Code	V	Amount	(A) or (D)	Price

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(1)(2)	$257.79	08/05/2026		A		7,359		(3)	08/05/2033	Common stock; par value $0.00001 per share	7,359	$0	7,359	D

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 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: August 5, 2027, August 5, 2028 and August 5, 2029.

	/s/ Sean Rahilly, as attorney in fact	08/07/2026
	** Signature of Reporting Person	Date
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)