Enova CEO granted RSUs and stock options

Enova International Chief Executive Officer Steven E. Cunningham reported new equity awards.

Rhea-AI Filing Summary

Enova International Chief Executive Officer Steven E. Cunningham reported new equity awards. He acquired 16,067 shares of common stock through a grant of restricted stock units at a grant price of $0, bringing his directly held common shares to 130,117.

These restricted stock units vest in four equal annual installments on February 11 of 2027, 2028, 2029 and 2030, contingent on continued employment. He was also granted 10,323 non-qualified stock options with an exercise price of $157.79 per share, expiring on February 11, 2033, which vest in three equal annual installments on February 11 of 2027, 2028 and 2029.

Insider Trade Summary

Grant/Award: 26,390 shares

Grant/Award 2 txns

Insider Cunningham Steven E

Role Chief Executive Officer

Type	Security	Shares	Price	Value
Grant/Award	Non-Qualified Stock Option (right to buy) with limited SAR	10,323	$0.00	$0.00
Grant/Award	Common stock, par value $0.00001 per share	16,067	$0.00	$0.00

Holdings After Transaction: Non-Qualified Stock Option (right to buy) with limited SAR — 10,323 contracts (Direct); Common stock, par value $0.00001 per share — 130,117 shares (Direct)

Footnotes (4)

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.
2. F2. 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. F3. 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. F4. 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: February 11, 2027, February 11, 2028 and February 11, 2029.

FAQ

What equity awards did Enova (ENVA) CEO Steven E. Cunningham receive?

Steven E. Cunningham received 16,067 restricted stock units and 10,323 non-qualified stock options. The stock units were granted at a price of $0, and the options have a $157.79 exercise price and an expiration date of February 11, 2033.

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

The 16,067 restricted stock units vest in substantially equal one-fourth increments. Vesting occurs on February 11, 2027, 2028, 2029 and 2030, provided Cunningham continues serving as an employee of Enova International or an affiliate through each applicable vesting date.

What is the vesting schedule for the Enova (ENVA) CEO’s new stock options?

The 10,323 non-qualified stock options vest in substantially equal one-third increments. Vesting dates are February 11, 2027, February 11, 2028 and February 11, 2029, conditioned on Cunningham’s continued employment with Enova International or an affiliated entity through each vesting date.

What is the exercise price and expiration date of the Enova (ENVA) CEO’s options?

Cunningham’s non-qualified stock options carry a $157.79 exercise price per share and expire on February 11, 2033. The options were granted at a price of $0 to him, reflecting an equity compensation award rather than an open-market purchase.

How many Enova (ENVA) common shares does the CEO own after this Form 4?

Following the reported transaction, Steven E. Cunningham beneficially owns 130,117 shares of Enova International common stock directly. This total reflects the impact of the 16,067 restricted stock units granted in the filing, which increase his reported direct holdings.

What is the limited stock appreciation right (SAR) described in the Enova (ENVA) Form 4?

The limited stock appreciation right (SAR) is granted in tandem with the options. Exercising one causes the other to expire. The SAR can be exercised only after a qualifying change in control and pays value based on the excess of an "Offer Value Per Share" over the option exercise price.

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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^*

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)
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 per share	02/11/2026		A		16,067(1)	A	$0	130,117	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)	$157.79	02/11/2026		A		10,323		(4)	02/11/2033	Common stock; par value $0.00001 per share	10,323	$0	10,323	D

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.

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 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: February 11, 2027, February 11, 2028 and February 11, 2029.

	/s/ Sean Rahilly, as 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.
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