Welcome to our dedicated page for Enova Intl SEC filings (Ticker: ENVA), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Enova International, Inc. (NYSE: ENVA) files a range of documents with the U.S. Securities and Exchange Commission that provide detail on its online financial services operations, funding structures and corporate actions. On this page, you can review Enova’s SEC filings alongside AI-powered summaries that help explain key terms and highlight important points for investors.
Current reports on Form 8-K describe material events such as asset-backed securitization transactions backed by small business loans originated or purchased by OnDeck, amendments to revolving receivables facilities, new share repurchase authorizations and proposed mergers. For example, Enova has filed 8-Ks outlining an Agreement and Plan of Merger with Grasshopper Bancorp, Inc. and a subsequent amendment to that agreement, as well as filings describing securitization facilities and credit agreement amendments that support its lending activities.
Enova’s filings also address management and governance matters. An amended Form 8-K details planned leadership transitions, including changes in the roles of the company’s Chief Executive Officer, Executive Chairman and Chief Financial Officer, along with associated compensation and equity award arrangements under its long-term incentive plan. Other filings furnish earnings press releases and supplemental data related to loan performance and non-GAAP financial measures such as adjusted earnings and adjusted EBITDA.
Through this SEC filings page, users can access Enova’s quarterly reports on Form 10-Q and annual reports on Form 10-K (when available), as well as Forms 8-K and related exhibits. Real-time updates from EDGAR are combined with AI-generated explanations that clarify complex topics like securitization structures, portfolio performance covenants, revolving credit facilities and merger terms, helping readers interpret how these disclosures relate to Enova’s consumer and small business lending operations.
Enova International (ENVA)6,144 non‑qualified stock options with a limited SAR at an exercise price of $128 on November 6, 2025. The options expire November 6, 2032 and vest in three substantially equal annual installments on November 6, 2026, November 6, 2027, and November 6, 2028.
The tandem SAR is exercisable only after a “Change in Control” and within 30 days thereafter, and pays the excess of the “Offer Value Per Share” over the exercise price, subject to an “Offer.”
Enova International (ENVA) reported an insider equity award. The CEO and director received 20,793 non‑qualified stock options with a limited stock appreciation right at an exercise price of $128 on November 6, 2025.
The options vest in substantially equal one‑third increments on November 6, 2026, November 6, 2027, and November 6, 2028, and expire on November 6, 2032. Following the grant, 20,793 derivative securities were beneficially owned in direct form.
Enova International disclosed that its indirect subsidiary, OnDeck Asset Securitization IV, LLC, intends to privately offer $261,434,000 of Series 2025-2 fixed-rate asset-backed notes, subject to market and customary conditions. Closing is anticipated on or about November 13, 2025; all classes carry a legal final payment date of November 17, 2032.
The notes are expected to be rated by KBRA, with class coupons of 4.84%, 5.23%, 6.30% and 8.58% and anticipated ratings of AA (sf), A- (sf), BBB- (sf) and BB (sf), respectively. Collateral will be a revolving pool of small business loans originated or purchased by OnDeck. The Issuer will use net proceeds to purchase loans from OnDeck and fund a reserve account; OnDeck will service the loans and is expected to use substantially all proceeds it receives to purchase small business loans from affiliates and for other general corporate purposes. The Issuer is the sole obligor; the notes are not obligations of Enova or OnDeck. The offering will be made to qualified institutional buyers under Rule 144A and to persons outside the U.S. under Regulation S.
Enova International (ENVA) disclosed insider transactions by its Chief Financial Officer and director. On 10/29/2025, the reporting person exercised stock options for 11,436 shares at an exercise price of $20.73 per share. The same day, they sold 11,436 shares at a weighted average price of $120.76, with trades executed between $120.52 and $121.00. A separate sale of 3,438 shares occurred at $120.50.
After these transactions, the reporting person directly owned 127,719 shares of Enova common stock. The filing notes the options were part of a non-qualified stock option with a limited stock appreciation right granted in tandem and previously vested in thirds on February 11 of 2021, 2022, and 2023.
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.
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