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Enova (ENVA) director Mark McGowan granted 1,320 RSUs, updates holdings

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

Rhea-AI Filing Summary

Enova International, Inc. director Mark McGowan reported an equity compensation grant and updated share holdings. He received 1,320 Restricted Stock Units (RSUs) of common stock at $0.0000 per share, classified as a grant or award acquisition. These RSUs vest 100% on May 13, 2027, provided he continues serving on the board as of that date. Following the grant, he holds 47,021 common shares directly and 21,593 shares indirectly through SAF Capital Fund. A footnote states he disclaims beneficial ownership of the SAF Capital Fund shares except to the extent of his pecuniary interest.

Positive

  • None.

Negative

  • None.
Insider McGowan Mark
Role null
Type Security Shares Price Value
Grant/Award Common stock, par value $0.00001 per share 1,320 $0.00 --
holding Common stock, par value $0.00001 per share -- -- --
Holdings After Transaction: Common stock, par value $0.00001 per share — 47,021 shares (Direct, null); Common stock, par value $0.00001 per share — 21,593 shares (Indirect, By SAF Capital Fund)
Footnotes (1)
  1. Reflects a grant of Restricted Stock Units ("RSUs"), 100% of which shall vest on May 13, 2027, as long as grantee serves as a member of the board of directors of Enova International, Inc. ("Issuer") as of such date. The reporting person disclaims beneficial ownership of the securities held through SAF Capital Fund except to the extent of his pecuniary interest therein, and this report shall not be deemed an admission that the reporting person is the beneficial owner of the securities for purposes of Section 16.
RSU grant size 1,320 shares Restricted Stock Units granted on May 13, 2026
Grant price $0.0000 per share Recorded value for RSU grant
RSU vesting date May 13, 2027 100% vesting if board service continues
Direct holdings after grant 47,021 shares Common stock held directly following transaction
Indirect holdings via SAF Capital Fund 21,593 shares Common stock held indirectly through SAF Capital Fund
Restricted Stock Units ("RSUs") financial
"Reflects a grant of Restricted Stock Units ("RSUs"), 100% of which shall vest on May 13, 2027"
Restricted stock units (RSUs) are a company promise to give an employee shares of stock (or cash equivalent) in the future, but only after certain conditions—usually staying with the company for a set time or hitting performance goals—are met. Investors watch RSUs because when they vest they increase the number of shares outstanding and can lead insiders to sell shares, affecting share price, company dilution and the true cost of employee pay.
pecuniary interest financial
"disclaims beneficial ownership of the securities held through SAF Capital Fund except to the extent of his pecuniary interest therein"
beneficial ownership financial
"this report shall not be deemed an admission that the reporting person is the beneficial owner of the securities for purposes of Section 16"
Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.
Section 16 regulatory
"beneficial owner of the securities for purposes of Section 16"
Section 16 is a U.S. securities law rule that governs the trading and disclosure obligations of company insiders — typically officers, directors and large shareholders — to promote transparency and deter unfair profit-taking. It requires insiders to publicly report their stock trades and allows companies or the issuer to reclaim quick, short-term profits from certain insider trades, like a scoreboard and a refund policy that help investors see and limit possible insider advantage.
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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*
McGowan Mark

(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
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/13/2026
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 share05/13/2026A1,320(1)A$047,021D
Common stock, par value $0.00001 per share21,593IBy SAF Capital Fund(2)
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
Explanation of Responses:
1. Reflects a grant of Restricted Stock Units ("RSUs"), 100% of which shall vest on May 13, 2027, as long as grantee serves as a member of the board of directors of Enova International, Inc. ("Issuer") as of such date.
2. The reporting person disclaims beneficial ownership of the securities held through SAF Capital Fund except to the extent of his pecuniary interest therein, and this report shall not be deemed an admission that the reporting person is the beneficial owner of the securities for purposes of Section 16.
Sean Rahilly, 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)

FAQ

What insider transaction did Enova International (ENVA) director Mark McGowan report?

Mark McGowan reported receiving a grant of 1,320 Restricted Stock Units of Enova International common stock. The award is recorded at a price of $0.0000 per share, reflecting a compensation grant rather than an open-market purchase or sale.

When do Mark McGowan’s 1,320 Enova (ENVA) RSUs vest?

All 1,320 Restricted Stock Units vest on May 13, 2027, if McGowan is still serving on Enova’s board. Full vesting is contingent on continued board service through that date, making it a time-based equity compensation award.

How many Enova (ENVA) shares does Mark McGowan hold after this Form 4?

After the reported grant, McGowan holds 47,021 Enova common shares directly and 21,593 shares indirectly through SAF Capital Fund. These figures reflect his updated ownership positions as shown in the Form 4 filing data.

What is the nature of Mark McGowan’s indirect Enova (ENVA) holdings?

The indirect holdings consist of 21,593 Enova shares held through SAF Capital Fund. A footnote explains McGowan disclaims beneficial ownership of these securities except for his pecuniary interest, clarifying the extent of his economic stake in those shares.

Was Mark McGowan’s Enova (ENVA) RSU grant an open-market purchase?

No, the 1,320-share award is classified as a grant or award acquisition, not an open-market purchase. The transaction code is “A,” and the per-share price is recorded as $0.0000, indicating compensation rather than a market transaction.