Enova (NYSE: ENVA) CSO receives new RSU and stock option awards

Rhea-AI Filing Summary

Enova International’s Chief Strategy Officer Kirk Chartier reported equity awards under the company’s incentive plans. He acquired 4,573 shares of common stock as a grant of restricted stock units at a price of $0 per share, bringing his directly owned common shares to 104,972.

He also received a non‑qualified stock option, paired with a limited stock appreciation right, covering 2,938 shares of common stock at an exercise price of $157.79 per share and expiring on February 11, 2033. The RSUs vest in four equal annual installments from February 11, 2027 through February 11, 2030, while the options vest in three equal annual installments from February 11, 2027 through February 11, 2029, conditioned on continued employment. The SAR becomes exercisable only if a defined change in control and qualifying offer occur.

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^*

Chartier Kirk

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Strategy 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		4,573(1)	A	$0	104,972	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		2,938		(4)	02/11/2033	Common stock; par value $0.00001 per share	2,938	$0	2,938	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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FAQ

What insider transaction did Enova (ENVA) report for Kirk Chartier on February 11, 2026?

Enova reported that Chief Strategy Officer Kirk Chartier received equity awards on February 11, 2026. He was granted 4,573 restricted stock units and a non-qualified stock option for 2,938 shares, both as compensation awards rather than open-market purchases.

How many Enova (ENVA) shares does Kirk Chartier own after this Form 4 filing?

After the reported grant, Kirk Chartier beneficially owns 104,972 shares of Enova common stock directly. This figure includes the 4,573 restricted stock units awarded on February 11, 2026, which will vest over time subject to his continued employment with Enova.

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

Chartier received a non-qualified stock option covering 2,938 Enova common shares at an exercise price of $157.79 per share. The option expires on February 11, 2033 and vests in three equal annual installments starting February 11, 2027, contingent on continued employment.

How do Kirk Chartier’s restricted stock units in Enova (ENVA) vest?

The 4,573 restricted stock units vest in four substantially equal installments. Vesting occurs on February 11 of 2027, 2028, 2029, and 2030, provided Chartier remains an employee of Enova or an affiliate through each vesting date, aligning compensation with long-term service.

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

The limited stock appreciation right is granted in tandem with the option, so exercising one cancels the other. It becomes exercisable only after a defined change in control and qualifying offer, allowing a cash amount based on the excess of offer value per share over the option price.

Is Kirk Chartier’s Enova (ENVA) Form 4 transaction a stock purchase or a compensation grant?

The Form 4 reflects compensation grants, not market purchases. Chartier acquired 4,573 restricted stock units and a 2,938-share stock option with an attached SAR, all at a stated price of $0 per unit for the grants, consistent with equity-based executive compensation.