Enova (ENVA) CEO exercises 11,436 options and sells matching shares

Rhea-AI Filing Summary

Enova International CEO Steven E. Cunningham reported routine equity transactions. On January 30, 2026, he exercised a non-qualified stock option for 11,436 shares of common stock at an exercise price of $20.73 per share, increasing his direct holdings to 139,155 shares.

That same day, he sold 11,436 shares of Enova common stock in market transactions at a weighted average price of $165.1307 per share, leaving him with 127,719 shares directly owned after the sale. The option and a related stock appreciation right had been granted in tandem and fully vested by February 11, 2023.

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^*

Cunningham Steven E

(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)
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		11,436	A	$20.73	139,155	D
Common stock, par value $0.00001 per share	01/30/2026		S		11,436	D	$165.1307(1)	127,719	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			11,436	(4)	02/11/2027	Common stock; par value $0.00001 per share	11,436	$0	0	D

Explanation of Responses:

1. This transaction was executed in multiple trades at prices ranging from $165.00 to $165.41. 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, as attorney in fact	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 did Enova (ENVA) CEO Steven Cunningham report in this Form 4 filing?

The filing shows CEO Steven E. Cunningham exercised 11,436 stock options at $20.73 per share and sold 11,436 common shares at a weighted average price of $165.1307. After these transactions, he directly owned 127,719 Enova shares.

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

After the reported transactions, CEO Steven E. Cunningham directly owns 127,719 shares of Enova common stock. His holdings first rose to 139,155 shares following the option exercise, then declined after selling 11,436 shares in open-market transactions on January 30, 2026.

What prices were involved in the Enova (ENVA) CEO’s Form 4 transactions?

The CEO exercised options at an exercise price of $20.73 per share and sold 11,436 Enova common shares at a weighted average price of $165.1307. Individual sale trades occurred between $165.00 and $165.41, according to the transaction footnote disclosure.

What type of derivative security did Enova (ENVA) report in this Form 4?

The filing reports a Non-Qualified Stock Option with a limited stock appreciation right (SAR). On January 30, 2026, 11,436 options were exercised, resulting in zero derivative securities remaining. The option and SAR were granted in tandem and fully vested by February 11, 2023.

How were the Enova (ENVA) CEO’s stock sales executed according to the Form 4 footnotes?

The Form 4 explains the 11,436-share sale was executed in multiple trades between $165.00 and $165.41 per share. The reported price of $165.1307 is a weighted average, and the insider undertakes to provide detailed trade prices and share amounts upon request.

What are the key dates associated with the Enova (ENVA) CEO’s options and SARs?

The options vesting occurred in roughly equal one-third increments on February 11, 2021, February 11, 2022, and February 11, 2023. The reported option exercise and corresponding stock sale happened on January 30, 2026, after all tranches had vested.