Enova International grants options to general counsel

Enova International reported an equity compensation grant to its General Counsel and Secretary, Sean Rahilly.

Rhea-AI Filing Summary

Enova International reported an equity compensation grant to its General Counsel and Secretary, Sean Rahilly. He received 1,453 non-qualified stock options with a tandem limited stock appreciation right, at an exercise price of $257.79 per share, expiring on August 5, 2033. The options vest in substantially equal one-third increments on August 5 of 2027, 2028, and 2029, contingent on continued employment, and are exercisable for common stock subject to change-in-control and qualifying offer conditions described in the grant.

Insider Trade Summary

Grant/Award: 1,453 shares

Grant/Award 1 txn

Insider Rahilly Sean

Role General Counsel and Secretary

Type	Security	Shares	Price	Value
Grant/Award	Non-Qualified Stock Option (right to buy) with limited SAR F1, F2, F3	1,453	$0.00	$0.00

Holdings After Transaction: Non-Qualified Stock Option (right to buy) with limited SAR — 1,453 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: 1,453 options Exercise price: $257.79 per share Expiration date: August 5, 2033 +3 more

6 metrics

Options granted 1,453 options Non-qualified stock options with limited SAR granted to General Counsel and Secretary Sean Rahilly

Exercise price $257.79 per share Exercise price for the 1,453 non-qualified stock options

Expiration date August 5, 2033 Option and tandem limited stock appreciation right expiration

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

Offer voting power threshold 30% Tender or exchange offer must cover at least 30% of total voting power to qualify as an Offer

Offer asset value threshold 40% Asset purchase Offer must cover assets with at least 40% of Enova’s total gross fair market value

Key Terms

Non-Qualified Stock Option, limited stock appreciation right, Change in Control, Offer Value Per Share, +1 more

5 terms

Non-Qualified Stock Option financial

"Non-Qualified Stock Option (right to buy) with limited SAR"

A non-qualified stock option (NSO) is a contract that lets an employee or service provider buy company shares at a fixed price for a set period, like a voucher to purchase stock later at today’s price. It matters to investors because exercising NSOs creates ordinary income for the holder and can increase share count, affecting a company’s earnings and ownership mix; think of it as a future sale that can dilute existing shareholders and has immediate tax consequences for the recipient.

limited stock appreciation right financial

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

Change in Control financial

"only during the period beginning on the first day following the date that a "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"

tender offer financial

""Offer" means any tender offer or exchange offer for outstanding shares of Issuer"

A tender offer is a proposal made by a person or company to buy shares from existing shareholders at a set price, usually higher than the current market value, within a specific time frame. It matters to investors because it can lead to a change in ownership or control of a company, and shareholders must decide whether to sell their shares at the offered price.

FAQ

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

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

Enova International reported that General Counsel and Secretary Sean Rahilly received a grant of 1,453 non-qualified stock options with a tandem limited stock appreciation right. The award is an equity compensation grant, not an open-market purchase or sale of Enova shares.

How many Enova (ENVA) options were granted to Sean Rahilly and at what exercise price?

Sean Rahilly was granted 1,453 non-qualified stock options tied to Enova common stock. The options have an exercise price of $257.79 per share, meaning any future exercise would require paying that price for each underlying share, subject to the vesting and SAR conditions.

What is the vesting schedule of the new Enova (ENVA) options granted to Sean Rahilly?

The options vest in substantially equal one-third increments on August 5, 2027, August 5, 2028, and August 5, 2029. Vesting is conditioned on Rahilly continuing to serve as an employee of Enova or an affiliate through each applicable vesting date.

When do Sean Rahilly’s new Enova (ENVA) options expire?

The non-qualified stock options granted to Sean Rahilly expire on August 5, 2033. After that expiration date, any unexercised portion of the award, including the related limited stock appreciation right, would no longer be exercisable for Enova common stock value.

How do the limited stock appreciation right (SAR) terms work for Enova (ENVA)?

The limited SAR, granted in tandem with the option, may be exercised only after a Change in Control. It is exercisable for 30 days following that date and pays the excess of Offer Value Per Share over the option exercise price, but only if a qualifying Offer is made.

What qualifies as an "Offer" under Sean Rahilly’s Enova (ENVA) SAR award?

An "Offer" means a tender or exchange offer for at least 30% of Enova’s total voting power, or an offer to purchase assets with at least 40% of the company’s total gross fair market value, excluding offers made by Enova itself.

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^*

Rahilly Sean

(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)

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

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		1,453		(3)	08/05/2033	Common stock; par value $0.00001 per share	1,453	$0	1,453	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	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.
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* Form 4: SEC 1474 (03-26)