Enova (NYSE: ENVA) CAO withholds stock to cover RSU tax bill

Rhea-AI Filing Summary

Enova International’s Chief Accounting Officer, Lee James Joseph, reported several small share withholdings by the company to cover taxes on vested restricted stock units. On multiple dates in early February 2026, Enova withheld blocks of common stock, including 156 shares at $159.78 and 273, 246, and 251 shares at $161.10 per share. These are coded as tax-related “F” transactions rather than open-market sales, and Joseph continues to hold about 18,825 Enova shares directly afterward.

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^*

Lee James Joseph

(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 Accounting 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	02/05/2026		F		156(1)	D	$159.78	19,595	D
Common Stock, par value $0.00001	02/06/2026		F		273(1)	D	$161.1	19,322	D
Common Stock, par value $0.00001	02/08/2026		F		246(1)	D	$161.1	19,076	D
Common Stock, par value $0.00001	02/08/2026		F		251(1)	D	$161.1	18,825	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, 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.
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FAQ

What insider transaction did ENVA’s Chief Accounting Officer report?

Enova International’s Chief Accounting Officer, Lee James Joseph, reported several tax-related share withholdings. The company withheld common stock in early February 2026 to pay taxes triggered by the vesting of restricted stock units, rather than Joseph selling shares in the open market.

Were the ENVA insider transactions open-market sales or tax withholdings?

The reported ENVA insider transactions were tax withholdings, not open-market sales. Enova International withheld shares to cover taxes due when restricted stock units vested, with amounts and timing governed by the award terms instead of discretionary trading decisions by Lee James Joseph.

How many Enova (ENVA) shares did the officer have after the reported transactions?

After the reported transactions, Chief Accounting Officer Lee James Joseph directly held about 18,825 Enova common shares. This figure reflects his ownership after Enova withheld several small share lots to satisfy tax obligations tied to the vesting of restricted stock unit awards.

What prices were used for the ENVA tax-withholding share transactions?

The tax-withholding share transactions used prices around $160 per ENVA share. One transaction withheld 156 shares at $159.78, while other withholdings of 273, 246, and 251 shares were recorded at $161.10 per share as part of the restricted stock unit vesting process.

Why did Enova (ENVA) withhold shares from its Chief Accounting Officer?

Enova withheld shares from its Chief Accounting Officer to pay income taxes owed when his restricted stock units vested. The filing explains that both the timing and amount of these withholdings were determined by the restricted stock award terms, not by the officer’s trading decisions.