Enova (ENVA) chair exercises options, sells 37,989 shares at $165.32

Rhea-AI Filing Summary

Enova International Executive Chairman David Fisher reported exercising stock options and selling shares of the company’s common stock. On January 30, 2026, he exercised a non-qualified stock option for 37,989 shares of Enova common stock at an exercise price of $23.96 per share.

On the same day, he sold 37,989 shares of Enova common stock at a weighted average price of $165.315 per share, with individual trade prices ranging from $163.885 to $166.73. Following these transactions, Fisher directly held 348,223 shares of Enova common stock. The option for 37,989 shares, which vested in three annual installments from February 2020 through February 2022, was fully exercised and no longer outstanding.

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

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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^*

Fisher David

(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)
	Executive Chairman

3. Date of Earliest Transaction (Month/Day/Year)
01/30/2026

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	01/30/2026		M		37,989	A	$23.96	386,212	D
Common stock, par value $0.00001 per share	01/30/2026		S		37,989	D	$165.315(1)	348,223	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)	$23.96	01/30/2026		M			37,989	(4)	02/12/2026	Common stock; par value $0.00001 per share	37,989	$0	0	D

Explanation of Responses:

1. This transaction was executed in multiple trades at prices ranging from $163.885 to $166.73. The price reported above reflects the weighted average sale price. The Reporting Person hereby undertakes to provide upon request to the SEC staff, the Issuer, or a stockholder of the Issuer full information regarding the number of shares and the prices at which the transaction was effected.

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 vested in substantially equal one-third increments on each of the following dates: February 12, 2020, February 12, 2021, and February 12, 2022.

	/s/ Sean Rahilly, as attorney in fact	02/03/2026
	** 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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FAQ

What did Enova (ENVA) Executive Chairman David Fisher report in this Form 4?

David Fisher reported exercising a non-qualified stock option for 37,989 Enova common shares at $23.96 per share, then selling 37,989 shares on January 30, 2026, at a weighted average price of $165.315 per share in multiple trades within a defined price range.

How many Enova (ENVA) shares does David Fisher hold after the reported transactions?

After the transactions, David Fisher directly holds 348,223 shares of Enova common stock. He previously acquired 37,989 shares through an option exercise and sold 37,989 shares the same day, leaving this updated direct ownership balance reported as of the Form 4 filing.

At what prices were David Fisher’s Enova (ENVA) shares sold on January 30, 2026?

The 37,989 Enova shares were sold at a weighted average price of $165.315 per share. Individual sale trades occurred at prices ranging from $163.885 to $166.73, as disclosed, with full trade details available upon request from the reporting person or the company.

What stock option did David Fisher exercise in this Enova (ENVA) Form 4 filing?

He exercised a non-qualified stock option with a limited stock appreciation right for 37,989 Enova shares at an exercise price of $23.96 per share. The option was fully exercised, leaving zero derivative securities of that grant beneficially owned following the reported transaction.

How did David Fisher’s Enova (ENVA) stock option grant vest over time?

The option for 37,989 Enova shares vested in substantially equal one-third increments. Vesting dates were February 12, 2020, February 12, 2021, and February 12, 2022, meaning the entire grant was fully vested before Fisher exercised it on January 30, 2026.

What is the limited stock appreciation right (SAR) linked to David Fisher’s Enova (ENVA) option?

The SAR and the employee stock option were granted in tandem so exercising one caused the other to expire. The SAR could be exercised only after a defined Change in Control, with payout based on Offer Value Per Share above the option’s exercise price, contingent on a qualifying Offer.