[Form 4] Enova International, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Enova International, Inc. (ENVA) Chief Executive Officer and director David Fisher reported an equity transaction involving company stock. On 11/21/2025, he exercised a non-qualified stock option to acquire 6,000 shares of common stock at an exercise price of $23.96 per share and, on the same date, sold 6,000 shares of common stock in an open market transaction at a weighted average price of $124.2548 per share.

After these transactions, Fisher beneficially owned 348,223 shares of Enova common stock directly and held 62,562 derivative securities in the form of stock options. The filing notes that the sale was made under a pre-arranged Rule 10b5-1 trading plan, which is designed to allow insiders to sell shares according to a predetermined schedule.

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

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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)
	Chief Executive Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/21/2025

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	11/21/2025		M		6,000	A	$23.96	354,223	D
Common stock, par value $0.00001 per share	11/21/2025		S(1)		6,000	D	$124.2548(2)	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(3)(4)	$23.96	11/21/2025		M			6,000	(5)	02/12/2026	Common stock; par value $0.00001 per share	6,000	$0	62,562	D

Explanation of Responses:

1. The sale reported in this Form 4 was effected pursuant to Mr. Fisher's Rule 10b5-1 trading plan.

2. This transaction was executed in multiple trades at prices ranging from $120.20 to $126.11. 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.

3. 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.

4. 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.

5. 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	11/25/2025
	** 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 insider transaction did ENVA's CEO report on this Form 4?

Enova International's Chief Executive Officer and director, David Fisher, reported exercising a non-qualified stock option for 6,000 shares at $23.96 per share and selling 6,000 shares of common stock at a weighted average price of $124.2548 per share on 11/21/2025.

How many ENVA shares does the reporting person own after the transaction?

Following the reported transactions, David Fisher beneficially owned 348,223 shares of Enova International common stock directly, plus 62,562 derivative securities in the form of stock options.

Was the ENVA stock sale made under a Rule 10b5-1 trading plan?

Yes. The filing states that the sale reported was effected pursuant to Mr. Fisher's Rule 10b5-1 trading plan, which is a pre-arranged plan for trading company stock.

What were the price details of the ENVA stock sale reported?

The sale was executed in multiple trades at prices ranging from $120.20 to $126.11 per share. The Form 4 reports a weighted average sale price of $124.2548 per share for the 6,000 shares sold.

What are the key terms of the ENVA non-qualified stock option exercised?

The non-qualified stock option had an exercise price of $23.96 per share and covered 6,000 shares of Enova common stock. The options vested in substantially equal one-third increments on February 12, 2020, February 12, 2021, and February 12, 2022.

What is the relationship of the reporting person to Enova International (ENVA)?

The reporting person, David Fisher, is both a Director and an Officer of Enova International, serving as the company's Chief Executive Officer.