Enova CAO granted 1,203 restricted stock units

Lee James Joseph reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Lee James Joseph reported acquisition or exercise transactions in this Form 4 filing.

Enova International Chief Accounting Officer Lee James Joseph received an equity award of 1,203 shares of common stock on February 11, 2026 as a grant, at a price of $0 per share. After this award, he directly owns 20,028 common shares.

The grant represents restricted stock units that will vest in four substantially equal installments on February 11 of 2027, 2028, 2029, and 2030, so long as he remains an employee of Enova or one of its affiliates through each vesting date.

Insider Trade Summary

Grant/Award: 1,203 shares

Grant/Award 1 txn

Insider Lee James Joseph

Role Chief Accounting Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock, par value $0.00001	1,203	$0.00	$0.00

Holdings After Transaction: Common Stock, par value $0.00001 — 20,028 shares (Direct)

Footnotes (1)

1. F1. This transaction reflects a grant of restricted stock units that shall vest in substantially equal one-fourth increments on each of the following dates as long as grantee serves as an employee of the Issuer or an affiliate thereof through the applicable vesting date: February 11, 2027, February 11, 2028, February 11, 2029 and February 11, 2030.

FAQ

What insider transaction did Enova (ENVA) report for February 11, 2026?

Enova reported an equity award to its Chief Accounting Officer. He received 1,203 shares of common stock as a grant at $0 per share, increasing his direct holdings to 20,028 shares after the transaction.

Who received the latest equity grant at Enova International (ENVA)?

Chief Accounting Officer Lee James Joseph received the latest grant. He was awarded 1,203 shares of Enova common stock, structured as restricted stock units that vest over four years if he remains employed.

How many Enova (ENVA) shares does the CAO own after this Form 4 filing?

After the reported grant, Enova’s Chief Accounting Officer directly owns 20,028 shares of common stock. This total includes the 1,203-share award reported in the filing as a grant at a price of $0 per share.

How do the Enova (ENVA) restricted stock units for the CAO vest?

The 1,203 restricted stock units vest in four substantially equal parts. They vest on February 11 of 2027, 2028, 2029, and 2030, provided the grantee continues as an employee through each vesting date.

Was the Enova (ENVA) CAO transaction an open-market stock purchase?

No, it was not an open-market purchase. The Form 4 describes the transaction as a grant or award of 1,203 shares at $0 per share, structured as restricted stock units vesting over four years.

What transaction code is used in the Enova (ENVA) CAO Form 4?

The Form 4 uses transaction code A, which indicates a grant, award, or other acquisition. It corresponds to the 1,203-share restricted stock unit grant made on February 11, 2026 at a price of $0 per share.

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Accepted by SEC EDGAR 02/13/2026 - 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^*

Lee James Joseph

(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)
	Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/11/2026

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	02/11/2026		A		1,203(1)	A	$0	20,028	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

Explanation of Responses:

1. This transaction reflects a grant of restricted stock units that shall vest in substantially equal one-fourth increments on each of the following dates as long as grantee serves as an employee of the Issuer or an affiliate thereof through the applicable vesting date: February 11, 2027, February 11, 2028, February 11, 2029 and February 11, 2030.

	/s/ Sean Rahilly, attorney in fact	02/13/2026
	** 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.