Steven E. Cunningham - 29 Jul 2025 Form 4 Insider Report for Enova International, Inc. (ENVA)

Reporting relationship: Chief Financial Officer
Issuer ticker: ENVA
Reported as of: 29 Jul 2025
Net transaction value: -$2,307,286
SEC form: 4
Accepted by SEC: 31 Jul 2025, 16:30:08 UTC
Prior SEC filing: 16 May 2025
Next SEC filing: 07 Aug 2025
Source filing: View source filing
Reporting owner signature: /s/ Sean Rahilly, as attorney in fact

Key filing fact

Steven E. Cunningham filed Form 4 for Enova International, Inc. (ENVA) on 31 Jul 2025.

Key facts

This page summarizes Steven E. Cunningham's Form 4 filing for Enova International, Inc. (ENVA).
4 reported transactions and 1 derivative row are listed below.
Accepted by SEC: 31 Jul 2025, 16:30.

Change

Previous filing in this sequence was filed on 16 May 2025.
Current net transaction value: -$2,307,286.

Research use

This tells you what this filing adds before you inspect full transaction and derivative tables.
You can trace every row back to the original SEC filing document.

Evidence

Filed on Form 4

Ownership activity is grounded in SEC Form 4 disclosures.

View source filing

Reporting Owners (1)

CIK 0001575452 Primary reporting owner

Cunningham Steven E

Relationship: Chief Financial Officer
Address: C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BOULEVARD, SUITE 600, CHICAGO
Signature: /s/ Sean Rahilly, as attorney in fact
Signature date: 31 Jul 2025

Reported non-derivative transactions

Shares, units, or other non-derivative securities reported in this filing.

ENVA transaction

Common stock, par value $0.00001 per share

Options Exercise

Transaction value: $474,137
Shares: +22,872
Change %: +17%
Price: $20.73
Shares after: 157,467
Date: 29 Jul 2025
Ownership: Direct

ENVA transaction

Common stock, par value $0.00001 per share

Sale

Transaction value: $2,418,714
Shares: -22,872
Change %: -15%
Price: $105.75
Shares after: 134,595
Date: 29 Jul 2025
Ownership: Direct
Footnotes: F1

ENVA transaction

Common stock, par value $0.00001 per share

Sale

Transaction value: $362,709
Shares: -3,438
Change %: -2.6%
Price: $105.50
Shares after: 131,157
Date: 29 Jul 2025
Ownership: Direct

Reported derivative securities

Options, warrants, convertible securities, or similar derivative positions disclosed in the filing.

ENVA transaction Derivative

Non-Qualified Stock Option (right to buy) with limited SAR

Options Exercise

Transaction value: $0
Shares: -22,872
Change %: -50%
Price: $0.000000
Shares after: 22,872
Date: 29 Jul 2025
Ownership: Direct
Underlying class: Common stock; par value $0.00001 per share
Underlying amount: 22,872
Exercise price: $20.73
Footnotes: F2, F3, F4

^* marks a reported price that did not pass the local price check.

Additional SEC filing notes

Filing notes and footnotes

Explanation of responses 4 footnotes

Footnote F1

This transaction was executed in multiple trades at prices ranging from $105.50 to $106.00. 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.

Footnote F2

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.

Footnote F3

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.

Footnote F4

The options vested in substantially equal one-third increments on each of the following dates: February 11, 2021, February 11, 2022 and February 11, 2023.