Enova director Gray granted 1,320 RSUs

Gray James A reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Gray James A reported acquisition or exercise transactions in this Form 4 filing.

Enova International, Inc. director James A. Gray reported a stock-based compensation grant and updated share holdings. He received 1,320 shares of common stock in the form of Restricted Stock Units (RSUs) at a stated price of $0.00 per share.

According to the filing, 100% of these RSUs will vest on May 13, 2027, provided he continues to serve on Enova’s board of directors through that date. After this grant, Gray holds 70,029 shares of common stock directly and 10,000 shares indirectly through the James Gray Revocable Trust, with no open-market buys or sells reported in this filing.

Insider Trade Summary

Grant/Award: 1,320 shares

Grant/Award 2 txns

Insider Gray James A

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common stock, par value $0.00001 per share	1,320	$0.00	$0.00
holding	Common stock, par value $0.00001 per share	--	--	--

Holdings After Transaction: Common stock, par value $0.00001 per share — 70,029 shares (Direct); Common stock, par value $0.00001 per share — 10,000 shares (Indirect, James Gray Revocable Trust)

Footnotes (1)

1. F1. Reflects a grant of Restricted Stock Units ("RSUs"), 100% of which shall vest on May 13, 2027, as long as grantee serves as a member of the board of directors of Enova International, Inc. ("Issuer") as of such date.

Key Figures

RSU grant: 1,320 shares Grant price: $0.00 per share Vesting date: May 13, 2027 +2 more

5 metrics

RSU grant 1,320 shares Restricted Stock Units granted to director on May 13, 2026

Grant price $0.00 per share Stated price for RSU award

Vesting date May 13, 2027 100% of RSUs vest if board service continues

Direct holdings after grant 70,029 shares Common stock directly owned following RSU grant

Indirect holdings 10,000 shares Common stock held via James Gray Revocable Trust

Key Terms

Restricted Stock Units, RSUs, grant, award, or other acquisition, Revocable Trust, +1 more

5 terms

Restricted Stock Units financial

"Reflects a grant of Restricted Stock Units ("RSUs"), 100% of which shall vest"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

RSUs financial

"Reflects a grant of Restricted Stock Units ("RSUs"), 100% of which shall vest"

RSUs, or restricted stock units, are a form of company shares given to employees as part of their compensation. They are typically awarded with certain restrictions, such as a waiting period before they can be fully owned or sold, similar to earning a gift that becomes fully yours over time. For investors, RSUs can impact a company's stock offerings and reflect how much the company relies on stock-based incentives to attract and retain talent.

grant, award, or other acquisition financial

"transaction_code_description": "Grant, award, or other acquisition""

Revocable Trust financial

"nature_of_ownership": "James Gray Revocable Trust""

A revocable trust is a legal arrangement where the person who creates it keeps control and can change or cancel the trust at any time, while naming who will manage and receive the assets later. Think of it like a flexible folder for your investments and property that can be relabeled or reworked as circumstances change; it matters to investors because it determines how ownership is recorded, how easily assets transfer on incapacity or death, and whether holdings bypass public probate proceedings.

board of directors financial

"as long as grantee serves as a member of the board of directors"

The Board of Directors is a group of people chosen by a company's owners to help make big decisions and oversee how the company is run. They act like a team of advisors or managers, making sure the company stays on track and meets its goals. Their choices can influence the company's success and how it grows.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Enova (ENVA) director James A. Gray report in this Form 4?

James A. Gray reported a grant of 1,320 Restricted Stock Units and updated his holdings. The award is stock-based compensation, not an open-market trade, and increases his direct ownership in Enova common stock.

How many Enova (ENVA) shares did James A. Gray acquire in this grant?

He acquired 1,320 shares of Enova common stock in the form of RSUs. The filing shows a transaction price of $0.00 per share, reflecting a compensation grant rather than a market purchase.

When do James A. Gray’s new Enova (ENVA) RSUs vest?

The RSUs vest 100% on May 13, 2027. Vesting is conditioned on Gray continuing to serve as a member of Enova International, Inc.’s board of directors through that date, according to the filing footnote.

How many Enova (ENVA) shares does James A. Gray own after this Form 4?

After the reported grant, Gray directly owns 70,029 shares of Enova common stock and indirectly owns 10,000 shares through the James Gray Revocable Trust, based on the share balances shown in the filing.

Did James A. Gray buy or sell Enova (ENVA) shares on the market in this filing?

No open-market buys or sells are reported. The Form 4 shows a compensation-related RSU grant of 1,320 shares and an indirect holding entry for 10,000 shares via the James Gray Revocable Trust.

What is the nature of James A. Gray’s indirect Enova (ENVA) holdings?

The filing lists 10,000 Enova common shares as indirectly owned through the James Gray Revocable Trust. This entry reflects trust-held shares rather than a new market transaction on the filing date.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/15/2026 - 04:30 PM EDT Learn about SEC filing dates

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^*

Gray James A

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/13/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form 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)
			Code	V	Amount	(A) or (D)	Price
Common stock, par value $0.00001 per share	05/13/2026		A		1,320(1)	A	$0	70,029	D
Common stock, par value $0.00001 per share								10,000	I	James Gray Revocable Trust

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. Reflects a grant of Restricted Stock Units ("RSUs"), 100% of which shall vest on May 13, 2027, as long as grantee serves as a member of the board of directors of Enova International, Inc. ("Issuer") as of such date.

	Sean Rahilly, attorney in fact	05/15/2026
	** 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.
* Form 4: SEC 1474 (03-26)