Enova International grants CFO 1,695 stock options

The award vests in one-third increments on three dates, subject to continued employment, while the tandem SAR has a separate Change in Control exercise window.

Available on EDGAR 11/05/2026 - 04:32 PM EST Accepted by SEC EDGAR 11/05/2026 - 04:30 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Enova International, Inc. Chief Financial Officer Scott Cornelis was granted 1,695 non-qualified stock options on November 3, 2026, with an exercise price of $186.21 per share and an expiration date of November 3, 2033. The options vest in substantially equal one-third increments on November 3, 2027, November 3, 2028, and November 3, 2029, subject to continued employment through each vesting date. A tandem limited stock appreciation right may be exercised from the day after a Change in Control through the 30th day after it, and pays only if an Offer is made. No Rule 10b5-1 plan is reported.

Insider Trade Summary

Grant/Award: 1,695 shares

Grant/Award 1 txn

Insider Cornelis Scott

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Grant/Award	Non-Qualified Stock Option (right to buy) with limited SAR F1, F2, F3	1,695	$0.00	$0.00

Holdings After Transaction: Non-Qualified Stock Option (right to buy) with limited SAR — 1,695 contracts (Direct)

Holdings Before and After: Non-Qualified Stock Option (right to buy) with limited SAR, 0 to 1,695 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: November 3, 2027, November 3, 2028 and November 3, 2029.

Key Figures

Non-qualified stock options granted: 1,695 options Exercise price: $186.21 per share Expiration date: November 3, 2033 +4 more

7 metrics

Non-qualified stock options granted 1,695 options Granted November 3, 2026

Exercise price $186.21 per share Granted options

Expiration date November 3, 2033 Granted options

Vesting schedule Substantially equal one-third increments on November 3, 2027, November 3, 2028, and November 3, 2029 Subject to continued employment through each applicable vesting date

Limited stock appreciation right exercise period From the day after a Change in Control through the 30th day after it Tandem right granted with the option

Tender or exchange Offer threshold At least 30% of total voting power Definition of an Offer

Asset Offer threshold 40% or more of the total gross fair market value of all issuer assets Definition of an Offer

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 technical

"Non-Qualified Stock Option (right to buy)"

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 technical

"The limited stock appreciation right ("SAR")"

Change in Control technical

"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"

Offer technical

""Offer" means any tender offer or exchange offer"

FAQ

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

How many ENVA options did Scott Cornelis receive?

Scott Cornelis, Enova International's Chief Financial Officer, was granted 1,695 non-qualified stock options on November 3, 2026, at an exercise price of $186.21 per share. They expire November 3, 2033, and vest in substantially equal one-third increments on November 3, 2027, November 3, 2028, and November 3, 2029, subject to continued employment through each vesting date.

How does Scott Cornelis's ENVA stock appreciation right work?

The tandem limited stock appreciation right may be exercised from the day after a Change in Control through the 30th day after it, and it is payable only if an Offer is made. An Offer includes a tender or exchange offer for at least 30% of the issuer's total voting power, or an asset purchase worth at least 40% of the total gross fair market value of the issuer's assets; an offer made by the issuer is excluded.

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

Form 4 Insider Transactions: What Each Field Means →

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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^*

Cornelis Scott

(Last) (First) (Middle)

C/O ENOVA INTERNATIONAL, INC.

175 W. JACKSON BLVD., 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)
	Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
11/03/2026

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)	$186.21	11/03/2026		A		1,695		(3)	11/03/2033	Common stock; par value $0.00001 per share	1,695	$0	1,695	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: November 3, 2027, November 3, 2028 and November 3, 2029.

	/s/ Sean Rahilly, as attorney in fact	11/05/2026
	** 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)