Enova Intl Inc SEC Filings

Enova International (ENVA) disclosed a proposed private offering of $261,434,000 aggregate principal amount of Series 2025-2 Fixed Rate Asset-Backed Notes to be issued by its wholly owned indirect subsidiary, OnDeck Asset Securitization IV, LLC. The collateral will be a revolving pool of small business loans originated or purchased by OnDeck, another Enova subsidiary.

The Issuer will use net proceeds to purchase small business loans from OnDeck that will be pledged as collateral, and Enova will use funds it receives for general corporate purposes. The Issuer will be the sole obligor; the notes will not be obligations of, or guaranteed by, Enova or OnDeck. The offering is private, not registered under the Securities Act, and will be offered to qualified institutional buyers under Rule 144A and to persons outside the U.S. under Regulation S, with timing and terms dependent on market conditions.

Enova is also furnishing Exhibit 99.1 with supplemental historical loan performance data for specified subsets of OnDeck U.S. term loans and lines of credit.

Enova International (ENVA) reported insider activity by CEO and director David Fisher. On 10/27/2025, he exercised 6,000 stock options at an exercise price of $23.96 and sold 6,000 common shares at a weighted average price of $122.6111, executed in multiple trades ranging from $120.36 to $126.2732. The sale was made pursuant to a Rule 10b5-1 trading plan.

Following these transactions, Fisher directly beneficially owns 348,223 shares of common stock. He also reports 68,562 derivative securities (non-qualified stock options with a limited stock appreciation right) remaining outstanding.

Form 144 notice: A holder has filed to sell 14,874 shares of common stock through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $1,795,290.36. The filing lists an approximate sale date of 10/29/2025.

The shares to be sold include 11,436 acquired via stock option exercise on 10/29/2025 (cash payment) and 3,438 from restricted stock acquired on 02/08/2024. The filing states the standard representation that the seller does not know any material adverse nonpublic information. Shares outstanding were 24,801,579, as disclosed in the notice.

Enova International (ENVA): Form 144 notice filed for an intended sale of common stock. The notice lists 6,000 shares to be sold with an aggregate market value of 720,000, to be executed through Merrill Lynch, with an approximate sale date of 10/27/2025 on the NYSE. Shares outstanding were 24,801,579 as of the disclosure.

The seller acquired 6,000 shares via a stock option on 02/12/2019. Recent activity shows multiple sales in the past three months, including 20,000 shares on 09/04/2025 for 2,438,319.06 and 35,000 shares on 09/17/2025 for 4,392,807.

Enova International (ENVA) reported third‑quarter 2025 results. Revenue was $802,678 thousand, up from $689,924 thousand a year ago, and net revenue was $460,707 thousand. Income from operations reached $196,775 thousand. Net income was $80,314 thousand, with diluted EPS of $3.03.

Loans and finance receivables at fair value were $5,012,853 thousand at September 30, 2025, reflecting growth in both consumer and small business portfolios. Long‑term debt totaled $4,106,471 thousand, including funding and corporate borrowings.

The company enhanced liquidity and term funding: it amended its revolving credit facility to $825,000 thousand, extended maturity to August 2029, and reduced rate spreads. It also executed asset‑backed transactions, including the NCLOCR 2025 securitization facility with a $150,000 thousand total revolving commitment, the 2025‑A consumer notes of $163,900 thousand at 7.29% (legal final October 2031), and ODAS IV 2025‑1 small business notes of $261,400 thousand (legal final April 2032). Common shares outstanding were 24,801,579 as of October 22, 2025.

Enova International (ENVA) filed an 8-K stating it issued a press release announcing consolidated financial results for the three months ended September 30, 2025. The press release is furnished as Exhibit 99.1 and incorporated by reference.

The company notes the information under Item 2.02 is being furnished, not filed, under the Exchange Act. The filing also includes the Cover Page Interactive Data File as Exhibit 104.

Dimensional Fund Advisors LP reported beneficial ownership of 1,182,662 shares of Enova International Inc. common stock, representing 4.7% of the outstanding class. Dimensional reports sole voting power over 1,145,205 shares and sole dispositive power over 1,182,662 shares, while disclaiming beneficial ownership because the shares are held by investment funds it advises. The filing clarifies these holdings are managed in the ordinary course of business and were not acquired to influence control of the issuer.

David Fisher, Chief Executive Officer and Director of Enova International, Inc. (ENVA), reported option exercises and subsequent share sales on September 17 and September 19, 2025. Mr. Fisher exercised option rights at an exercise price of $23.96 to acquire 35,000 shares on 09/17/2025 and 6,000 shares on 09/19/2025. On the same dates he sold 35,000 shares (weighted-average sale price $125.5488) and 6,000 shares (weighted-average sale price $125.8924), respectively. The filings disclose the sales were executed in multiple trades at specified price ranges and note that the sale(s) were effected pursuant to Mr. Fisher's Rule 10b5-1 trading plan. Following these transactions, Mr. Fisher’s reported beneficial ownership is 348,223 shares.

Enova International (ENVA) Form 144 notice shows an intended sale of 6,000 common shares through Merrill Lynch (Chicago) with an aggregate market value of $750,000 and an approximate sale date of 09/19/2025. The filer reports those shares were acquired on 02/12/2019 via stock option from Enova International. The filing also lists multiple sales by David Fisher over the past three months, totaling 88,000 shares across seven transactions, with gross proceeds reported for each sale. The notice is procedural under Rule 144 and serves to disclose proposed insider sales and recent insider transactions.