AG˹ٷ

STOCK TITAN

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

Filing Impact
(Moderate)
Filing Sentiment
(Negative)
Form Type
4
Rhea-AI Filing Summary

Form 4 highlights for Enova International, Inc. (ENVA): On 06/20/2025, Chief Executive Officer and Director David Fisher exercised 2,000 non-qualified stock options at an exercise price of $23.96 (code “M�) and immediately sold the same 2,000 common shares in the open market at a weighted-average price of $98.4214 (code “S�).

Gross spread captured: approximately $74.46 per share, or roughly $149,000 in pre-tax proceeds.
Remaining direct ownership: 348,223 common shares after the transactions, down from 350,223.
Outstanding options: 170,562 options remain unexercised on the same grant, expiring 02/12/2026. The option set vested in three equal tranches between 2020 and 2022.

The sale was executed under Fisher’s established Rule 10b5-1 trading plan, limiting the informational signal for investors. The option/SAR pair was granted with a limited stock-appreciation right that becomes exercisable only upon a Change in Control scenario; exercising the option automatically terminates the corresponding SAR.

Materiality assessment: The transaction represents less than 1% of Fisher’s total common-stock holdings and does not involve new share issuance or company-level cash flows. Therefore, the filing is viewed as routine insider portfolio management, with negligible direct effect on Enova’s capital structure or near-term financial outlook.

Punti salienti del Modulo 4 per Enova International, Inc. (ENVA): Il 20/06/2025, l'Amministratore Delegato e Direttore David Fisher ha esercitato 2.000 opzioni azionarie non qualificate a un prezzo di esercizio di 23,96$ (codice “M�) e ha immediatamente venduto le stesse 2.000 azioni ordinarie sul mercato aperto a un prezzo medio ponderato di 98,4214$ (codice “S�).

Margine lordo realizzato: circa 74,46$ per azione, ovvero circa 149.000$ di proventi lordi.
Quota residua di proprietà diretta: 348.223 azioni ordinarie dopo le transazioni, in calo rispetto a 350.223.
Opzioni in essere: rimangono 170.562 opzioni non esercitate dello stesso grant, con scadenza il 12/02/2026. Il pacchetto di opzioni è stato maturato in tre tranche uguali tra il 2020 e il 2022.

La vendita è stata effettuata nell’ambito del piano di trading Rule 10b5-1 di Fisher, limitando il segnale informativo per gli investitori. L’abbinamento opzione/SAR è stato concesso con un diritto di apprezzamento azionario limitato esercitabile solo in caso di Change in Control; l’esercizio dell’opzione comporta la cessazione automatica del SAR corrispondente.

Valutazione di rilevanza: La transazione rappresenta meno dell�1% delle azioni ordinarie totali detenute da Fisher e non comporta emissione di nuove azioni né flussi di cassa a livello aziendale. Pertanto, la comunicazione è considerata una gestione ordinaria del portafoglio interno, con un impatto diretto trascurabile sulla struttura patrimoniale di Enova o sulle prospettive finanziarie a breve termine.

Aspectos destacados del Formulario 4 para Enova International, Inc. (ENVA): El 20/06/2025, el Director Ejecutivo y Director David Fisher ó 2,000 opciones sobre acciones no calificadas a un precio de ejercicio de $23.96 (código “M�) y vendió inmediatamente las mismas 2,000 acciones ordinarias en el mercado abierto a un precio promedio ponderado de $98.4214 (código “S�).

Diferencial bruto capturado: aproximadamente $74.46 por acción, o alrededor de $149,000 en ingresos antes de impuestos.
Propiedad directa restante: 348,223 acciones ordinarias tras las transacciones, desde 350,223.
Opciones pendientes: permanecen 170,562 opciones sin ejercer del mismo otorgamiento, con vencimiento el 12/02/2026. El conjunto de opciones se consolidó en tres tramos iguales entre 2020 y 2022.

La venta se ejecutó bajo el plan de negociación Rule 10b5-1 establecido por Fisher, limitando la señal informativa para los inversores. El par opción/SAR se otorgó con un derecho limitado de apreciación de acciones que solo puede ejercerse en un escenario de Change in Control; ejercer la opción termina automáticamente el SAR correspondiente.

Evaluación de materialidad: La transacción representa menos del 1% de la tenencia total de acciones ordinarias de Fisher y no implica emisión de nuevas acciones ni flujos de efectivo a nivel corporativo. Por tanto, la presentación se considera una gestión rutinaria de la cartera interna, con un efecto directo insignificante en la estructura de capital de Enova o en sus perspectivas financieras a corto plazo.

Enova International, Inc. (ENVA)� Form 4 주요 내용: 2025� 6� 20�, 최고경영� � 이사� David Fisher가 행사 가� $23.96(코드 “M�)� 2,000개의 비적� 주식매수선택�� 행사하고, 동일� 2,000� 보통�� 공개 시장에서 가중평� 가� $98.4214(코드 “S�)� 즉시 매도했습니다.

� 스프레드 수익: 주당 � $74.46, � � $149,000� 세전 수익.
잔여 직접 소유 주식: 거래 � 348,223��, 이전 350,223주에� 감소.
미행� 옵션: 동일� 부여에� 170,562� 옵션� 남아 있으�, 2026� 2� 12� 만료 예정. 옵션 세트� 2020년부� 2022� 사이 � 번에 걸쳐 균등하게 베스팅되었습니다.

이번 매도� Fisher� 확립� Rule 10b5-1 거래 계획� 따라 실행되어 투자자에 대� 정보 신호� 제한합니�. 옵션/SAR 쌍은 Change in Control 상황에서� 행사 가능한 제한� 주식 가� 상승 권리와 함께 부여되었으�, 옵션 행사 � 해당 SAR은 자동으로 종료됩니�.

중요� 평가: 이번 거래� Fisher� � 보통� 보유량의 1% 미만이며, 신주 발행이나 회사 차원� 현금 흐름� 관련이 없습니다. 따라� 이번 보고� 일상적인 내부 포트폴리� 관�� 간주되며, Enova� 자본 구조� 단기 재무 전망� 미치� 직접적인 영향은 미미합니�.

Points clés du Formulaire 4 pour Enova International, Inc. (ENVA) : Le 20/06/2025, le Directeur Général et Administrateur David Fisher a exercé 2 000 options d’achat d’actions non qualifiées à un prix d’exercice de 23,96 $ (code « M ») et a immédiatement vendu les mêmes 2 000 actions ordinaires sur le marché libre à un prix moyen pondéré de 98,4214 $ (code « S »).

Marge brute réalisée : environ 74,46 $ par action, soit environ 149 000 $ de produits avant impôts.
Participation directe restante : 348 223 actions ordinaires après les transactions, en baisse par rapport à 350 223.
Options en circulation : 170 562 options restent non exercées sur la même attribution, expirant le 12/02/2026. Le lot d’options a été acquis en trois tranches égales entre 2020 et 2022.

La vente a été effectuée dans le cadre du plan de négociation Rule 10b5-1 établi par Fisher, limitant le signal d’information pour les investisseurs. La paire option/SAR a été accordée avec un droit d’appréciation limité des actions, exerçable uniquement en cas de Change in Control ; l’exercice de l’option entraîne la résiliation automatique du SAR correspondant.

Évaluation de la matérialité : La transaction représente moins de 1 % des avoirs totaux en actions ordinaires de Fisher et n’implique ni émission de nouvelles actions ni flux de trésorerie au niveau de la société. Par conséquent, le dépôt est considéré comme une gestion courante du portefeuille interne, avec un effet direct négligeable sur la structure du capital d’Enova ou ses perspectives financières à court terme.

Formular 4 Highlights für Enova International, Inc. (ENVA): Am 20.06.2025 übte der Geschäftsführer und Direktor David Fisher 2.000 nicht qualifizierte Aktienoptionen zu einem Ausübungspreis von 23,96 $ (Code „M�) aus und verkaufte unmittelbar danach dieselben 2.000 Stammaktien am offenen Markt zu einem gewichteten Durchschnittspreis von 98,4214 $ (Code „S�).

Erfasste Bruttomarge: ca. 74,46 $ pro Aktie, insgesamt rund 149.000 $ vor Steuern.
Verbleibender Direktbesitz: 348.223 Stammaktien nach den Transaktionen, zuvor 350.223.
Ausstehende Optionen: 170.562 Optionen aus derselben Zuteilung sind noch nicht ausgeübt und laufen am 12.02.2026 ab. Der Optionssatz wurde in drei gleichen Tranchen zwischen 2020 und 2022 vestet.

Der Verkauf erfolgte im Rahmen von Fishers etabliertem Rule 10b5-1 Handelsplan, wodurch das Informationssignal für Investoren begrenzt wird. Das Options-/SAR-Paar wurde mit einem begrenzten Aktienwertsteigerungsrecht gewährt, das nur bei einem Change in Control-Szenario ausübbar ist; die Ausübung der Option beendet automatisch das entsprechende SAR.

ѲٱäٲɱٳܲԲ: Die Transaktion macht weniger als 1 % von Fishers gesamtem Stammaktienbestand aus und beinhaltet keine Neuausgabe von Aktien oder unternehmensbezogene Cashflows. Daher wird die Meldung als routinemäßiges internes Portfoliomanagement betrachtet, mit vernachlässigbarem direkten Einfluss auf die Kapitalstruktur von Enova oder die kurzfristigen finanziellen Aussichten.

Positive
  • None.
Negative
  • None.

Insights

TL;DR: Small, pre-planned insider sale—neutral signal, minimal ownership change.

Fisher’s option exercise at $23.96 and same-day sale at $98.42 realises a standard executive gain while trimming ownership by about 0.6%. Because the disposal was executed under a Rule 10b5-1 plan, it does not necessarily indicate forward-looking sentiment. ENVA’s share count and cash position remain unchanged; thus valuation models are unaffected. Investors should track cumulative insider selling but this single trade is unlikely to move the stock.

TL;DR: Governance-compliant trade; 10b5-1 plan mitigates conflict concerns.

The filing demonstrates adherence to SEC best practices: advance 10b5-1 planning, transparent weighted-average pricing disclosure, and clear option/SAR mechanics. Limited size and continued sizeable holding (348k shares) suggest alignment with shareholders remains intact. I classify the governance impact as neutral.

Punti salienti del Modulo 4 per Enova International, Inc. (ENVA): Il 20/06/2025, l'Amministratore Delegato e Direttore David Fisher ha esercitato 2.000 opzioni azionarie non qualificate a un prezzo di esercizio di 23,96$ (codice “M�) e ha immediatamente venduto le stesse 2.000 azioni ordinarie sul mercato aperto a un prezzo medio ponderato di 98,4214$ (codice “S�).

Margine lordo realizzato: circa 74,46$ per azione, ovvero circa 149.000$ di proventi lordi.
Quota residua di proprietà diretta: 348.223 azioni ordinarie dopo le transazioni, in calo rispetto a 350.223.
Opzioni in essere: rimangono 170.562 opzioni non esercitate dello stesso grant, con scadenza il 12/02/2026. Il pacchetto di opzioni è stato maturato in tre tranche uguali tra il 2020 e il 2022.

La vendita è stata effettuata nell’ambito del piano di trading Rule 10b5-1 di Fisher, limitando il segnale informativo per gli investitori. L’abbinamento opzione/SAR è stato concesso con un diritto di apprezzamento azionario limitato esercitabile solo in caso di Change in Control; l’esercizio dell’opzione comporta la cessazione automatica del SAR corrispondente.

Valutazione di rilevanza: La transazione rappresenta meno dell�1% delle azioni ordinarie totali detenute da Fisher e non comporta emissione di nuove azioni né flussi di cassa a livello aziendale. Pertanto, la comunicazione è considerata una gestione ordinaria del portafoglio interno, con un impatto diretto trascurabile sulla struttura patrimoniale di Enova o sulle prospettive finanziarie a breve termine.

Aspectos destacados del Formulario 4 para Enova International, Inc. (ENVA): El 20/06/2025, el Director Ejecutivo y Director David Fisher ó 2,000 opciones sobre acciones no calificadas a un precio de ejercicio de $23.96 (código “M�) y vendió inmediatamente las mismas 2,000 acciones ordinarias en el mercado abierto a un precio promedio ponderado de $98.4214 (código “S�).

Diferencial bruto capturado: aproximadamente $74.46 por acción, o alrededor de $149,000 en ingresos antes de impuestos.
Propiedad directa restante: 348,223 acciones ordinarias tras las transacciones, desde 350,223.
Opciones pendientes: permanecen 170,562 opciones sin ejercer del mismo otorgamiento, con vencimiento el 12/02/2026. El conjunto de opciones se consolidó en tres tramos iguales entre 2020 y 2022.

La venta se ejecutó bajo el plan de negociación Rule 10b5-1 establecido por Fisher, limitando la señal informativa para los inversores. El par opción/SAR se otorgó con un derecho limitado de apreciación de acciones que solo puede ejercerse en un escenario de Change in Control; ejercer la opción termina automáticamente el SAR correspondiente.

Evaluación de materialidad: La transacción representa menos del 1% de la tenencia total de acciones ordinarias de Fisher y no implica emisión de nuevas acciones ni flujos de efectivo a nivel corporativo. Por tanto, la presentación se considera una gestión rutinaria de la cartera interna, con un efecto directo insignificante en la estructura de capital de Enova o en sus perspectivas financieras a corto plazo.

Enova International, Inc. (ENVA)� Form 4 주요 내용: 2025� 6� 20�, 최고경영� � 이사� David Fisher가 행사 가� $23.96(코드 “M�)� 2,000개의 비적� 주식매수선택�� 행사하고, 동일� 2,000� 보통�� 공개 시장에서 가중평� 가� $98.4214(코드 “S�)� 즉시 매도했습니다.

� 스프레드 수익: 주당 � $74.46, � � $149,000� 세전 수익.
잔여 직접 소유 주식: 거래 � 348,223��, 이전 350,223주에� 감소.
미행� 옵션: 동일� 부여에� 170,562� 옵션� 남아 있으�, 2026� 2� 12� 만료 예정. 옵션 세트� 2020년부� 2022� 사이 � 번에 걸쳐 균등하게 베스팅되었습니다.

이번 매도� Fisher� 확립� Rule 10b5-1 거래 계획� 따라 실행되어 투자자에 대� 정보 신호� 제한합니�. 옵션/SAR 쌍은 Change in Control 상황에서� 행사 가능한 제한� 주식 가� 상승 권리와 함께 부여되었으�, 옵션 행사 � 해당 SAR은 자동으로 종료됩니�.

중요� 평가: 이번 거래� Fisher� � 보통� 보유량의 1% 미만이며, 신주 발행이나 회사 차원� 현금 흐름� 관련이 없습니다. 따라� 이번 보고� 일상적인 내부 포트폴리� 관�� 간주되며, Enova� 자본 구조� 단기 재무 전망� 미치� 직접적인 영향은 미미합니�.

Points clés du Formulaire 4 pour Enova International, Inc. (ENVA) : Le 20/06/2025, le Directeur Général et Administrateur David Fisher a exercé 2 000 options d’achat d’actions non qualifiées à un prix d’exercice de 23,96 $ (code « M ») et a immédiatement vendu les mêmes 2 000 actions ordinaires sur le marché libre à un prix moyen pondéré de 98,4214 $ (code « S »).

Marge brute réalisée : environ 74,46 $ par action, soit environ 149 000 $ de produits avant impôts.
Participation directe restante : 348 223 actions ordinaires après les transactions, en baisse par rapport à 350 223.
Options en circulation : 170 562 options restent non exercées sur la même attribution, expirant le 12/02/2026. Le lot d’options a été acquis en trois tranches égales entre 2020 et 2022.

La vente a été effectuée dans le cadre du plan de négociation Rule 10b5-1 établi par Fisher, limitant le signal d’information pour les investisseurs. La paire option/SAR a été accordée avec un droit d’appréciation limité des actions, exerçable uniquement en cas de Change in Control ; l’exercice de l’option entraîne la résiliation automatique du SAR correspondant.

Évaluation de la matérialité : La transaction représente moins de 1 % des avoirs totaux en actions ordinaires de Fisher et n’implique ni émission de nouvelles actions ni flux de trésorerie au niveau de la société. Par conséquent, le dépôt est considéré comme une gestion courante du portefeuille interne, avec un effet direct négligeable sur la structure du capital d’Enova ou ses perspectives financières à court terme.

Formular 4 Highlights für Enova International, Inc. (ENVA): Am 20.06.2025 übte der Geschäftsführer und Direktor David Fisher 2.000 nicht qualifizierte Aktienoptionen zu einem Ausübungspreis von 23,96 $ (Code „M�) aus und verkaufte unmittelbar danach dieselben 2.000 Stammaktien am offenen Markt zu einem gewichteten Durchschnittspreis von 98,4214 $ (Code „S�).

Erfasste Bruttomarge: ca. 74,46 $ pro Aktie, insgesamt rund 149.000 $ vor Steuern.
Verbleibender Direktbesitz: 348.223 Stammaktien nach den Transaktionen, zuvor 350.223.
Ausstehende Optionen: 170.562 Optionen aus derselben Zuteilung sind noch nicht ausgeübt und laufen am 12.02.2026 ab. Der Optionssatz wurde in drei gleichen Tranchen zwischen 2020 und 2022 vestet.

Der Verkauf erfolgte im Rahmen von Fishers etabliertem Rule 10b5-1 Handelsplan, wodurch das Informationssignal für Investoren begrenzt wird. Das Options-/SAR-Paar wurde mit einem begrenzten Aktienwertsteigerungsrecht gewährt, das nur bei einem Change in Control-Szenario ausübbar ist; die Ausübung der Option beendet automatisch das entsprechende SAR.

ѲٱäٲɱٳܲԲ: Die Transaktion macht weniger als 1 % von Fishers gesamtem Stammaktienbestand aus und beinhaltet keine Neuausgabe von Aktien oder unternehmensbezogene Cashflows. Daher wird die Meldung als routinemäßiges internes Portfoliomanagement betrachtet, mit vernachlässigbarem direkten Einfluss auf die Kapitalstruktur von Enova oder die kurzfristigen finanziellen Aussichten.

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*
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)
06/20/2025
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 06/20/2025 M 2,000 A $23.96 350,223 D
Common stock, par value $0.00001 per share 06/20/2025 S(1) 2,000 D $98.4214(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 06/20/2025 M 2,000 (5) 02/12/2026 Common stock; par value $0.00001 per share 2,000 $0 170,562 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 $98.01 to $98.93. 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 06/24/2025
** 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.
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