Tax withholding trims Enova (NYSE: ENVA) CEO share stake

Rhea-AI Filing Summary

Enova International Chief Executive Officer Steven E. Cunningham reported automatic share withholding transactions by the company to cover taxes due on vesting restricted stock units between February 5 and 8, 2026. These are coded as transaction type F, indicating tax-related payments.

The issuer withheld blocks of common stock at prices around $159.78–$161.10, including 3,870 shares on February 5 and 5,209 shares on February 8. After the final transaction, Cunningham directly beneficially owns 114,050 Enova shares.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Cunningham Steven E

Role Chief Executive Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common stock, par value $0.00001 per share	5,209	$161.10	$839K
Tax Withholding	Common stock, par value $0.00001 per share	2,560	$161.10	$412K
Tax Withholding	Common stock, par value $0.00001 per share	2,030	$161.10	$327K
Tax Withholding	Common stock, par value $0.00001 per share	3,870	$159.78	$618K

Holdings After Transaction: Common stock, par value $0.00001 per share — 116,610 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

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)
02/05/2026

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	02/05/2026		F		3,870(1)	D	$159.78	123,849	D
Common stock, par value $0.00001 per share	02/06/2026		F		2,030(1)	D	$161.1	121,819	D
Common stock, par value $0.00001 per share	02/08/2026		F		5,209(1)	D	$161.1	116,610	D
Common stock, par value $0.00001 per share	02/08/2026		F		2,560(1)	D	$161.1	114,050	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 represents the withholding by Enova International, Inc. ("Issuer") of Issuer's shares to pay taxes in connection with the vesting of restricted stock units on the Transaction Date. The timing and amount of the transaction were determined by the terms of the applicable restricted stock and were not within the control of the Reporting Person.

	/s/ Sean Rahilly, as attorney in fact	02/09/2026
	** 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.

FAQ

What did Enova (ENVA) CEO Steven E. Cunningham report in this Form 4?

He reported share withholdings used to pay taxes on vesting restricted stock units. Enova withheld blocks of common stock in several transactions between February 5 and 8, 2026, rather than the CEO selling shares in open-market discretionary trades.

Were the Enova (ENVA) CEO’s transactions open-market sales?

No. The filing labels each transaction with code F, meaning shares were withheld to cover taxes on equity awards. The explanation notes Enova determined the timing and amounts under restricted stock terms, not at the reporting person’s discretion or through ordinary market-selling decisions.

How many Enova (ENVA) shares were withheld on February 5, 2026?

On February 5, 2026, Enova withheld 3,870 shares of common stock at a price of $159.78 per share to pay taxes on restricted stock unit vesting, reducing Steven E. Cunningham’s directly held balance to 123,849 shares afterward.

What Enova (ENVA) share withholdings occurred on February 8, 2026?

On February 8, 2026, two tax-withholding entries are reported: 5,209 shares and 2,560 shares, each at $161.10 per share. These withholdings further reduced the CEO’s directly held common stock balance reported after the final transaction to 114,050 shares.

How many Enova (ENVA) shares does the CEO own after these transactions?

After the final reported tax-withholding transaction, Steven E. Cunningham directly beneficially owns 114,050 shares of Enova common stock. This figure reflects the cumulative effect of the February 5, 6, and 8, 2026 share withholdings reported in this Form 4 filing.

Who controlled the timing and amount of the Enova (ENVA) tax withholdings?

According to the footnote, the timing and amount of each withholding transaction were determined by the terms of the applicable restricted stock. They were not within the direct control of the reporting person, but resulted automatically as the restricted stock units vested.