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Enova (NYSE: ENVA) grants 2,108 stock options with SAR to General Counsel

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Enova International reported that its General Counsel and Secretary, Sean Rahilly, received a grant of 2,108 non-qualified stock options with a limited stock appreciation right, exercisable for common stock at an exercise price of $166.88 per share. The options were granted as compensation and vest in three substantially equal installments on May 13, 2027, May 13, 2028, and May 13, 2029, subject to continued employment. The tandem SAR becomes exercisable only after a qualifying change in control and qualifying offer, and then only for the 30-day period following such change, providing a cash-settlement feature based on the excess of the offer value over the option exercise price.

Positive

  • None.

Negative

  • None.
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 2,108 $0.00 --
Holdings After Transaction: Non-Qualified Stock Option (right to buy) with limited SAR — 2,108 shares (Direct, null)
Footnotes (1)
  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. 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. 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: May 13, 2027, May 13, 2028 and May 13, 2029.
Options granted 2,108 options Non-qualified stock option grant with limited SAR to General Counsel
Exercise price $166.88 per share Exercise price of non-qualified stock options
Expiration date May 13, 2033 Option and tandem SAR expiration
Underlying shares 2,108 shares Enova common stock underlying the options
Vesting schedule 1/3 each in 2027, 2028, 2029 Vesting on May 13 of 2027, 2028, and 2029
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.
stock appreciation right financial
"The limited stock appreciation right ("SAR") and employee stock option were granted in tandem."
A stock appreciation right (SAR) is a form of employee pay that gives the holder the right to receive the increase in a company's share price over a set reference price, paid in cash or shares, without having to buy stock first. It matters to investors because SARs can create future cash outflows or dilute existing shareholders if settled in stock, and they align employee incentives with share-price performance like a bonus tied to a home's price rise.
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.
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.
non-qualified stock option financial
"Enova reported that its General Counsel received a grant of 2,108 non-qualified stock options"
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.
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Learn about SEC filing dates
SEC Form 4
FORM 4UNITED 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)
Director10% Owner
XOfficer (give title below)Other (specify below)
General Counsel and Secretary
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/13/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Non-Qualified Stock Option (right to buy) with limited SAR(1)(2)$166.8805/13/2026A2,108 (3)05/13/2033Common stock; par value $0.00001 per share2,108$02,108D
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: May 13, 2027, May 13, 2028 and May 13, 2029.
/s/ Sean Rahilly05/15/2026
** Signature of Reporting PersonDate
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)

FAQ

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

Enova reported that General Counsel and Secretary Sean Rahilly received a grant of 2,108 non-qualified stock options with a tandem stock appreciation right. The award is compensation-related, not an open-market purchase, and gives rights to acquire Enova common stock at a fixed exercise price.

What are the key terms of Sean Rahilly’s Enova (ENVA) stock option grant?

The grant covers 2,108 non-qualified stock options with an exercise price of $166.88 per share and an expiration date of May 13, 2033. The options are paired with a limited stock appreciation right and relate to Enova common stock with a par value of $0.00001 per share.

How do the vesting terms work for the Enova (ENVA) options granted to Rahilly?

The options vest in substantially equal one-third increments on May 13, 2027, May 13, 2028, and May 13, 2029. Vesting requires that Sean Rahilly continue serving as an employee of Enova or an affiliate through each applicable vesting date for the corresponding tranche.

What is the limited stock appreciation right (SAR) attached to the Enova (ENVA) options?

The SAR is granted in tandem with the employee stock option, so exercising one cancels the other. It can be exercised only during the 30-day period following a defined Change in Control, and only if a qualifying Offer is made for Enova shares or assets at specified thresholds.

How is the “Offer Value Per Share” defined for the Enova (ENVA) SAR payout?

Offer Value Per Share equals the average selling price of Enova common stock during the 30 days ending on the SAR exercise date. Upon exercise, the holder may receive the excess of this value over the option’s exercise price, multiplied by SAR shares, if a qualifying Offer exists.