Kirk Chartier - 11 Feb 2026 Form 4 Insider Report for Enova International, Inc. (ENVA)

Reporting relationship: Chief Strategy Officer
Issuer ticker: ENVA
Reported as of: 11 Feb 2026
Net transaction value: $0
SEC form: 4
Accepted by SEC: 13 Feb 2026, 16:30:03 UTC
Prior SEC filing: 09 Feb 2026
Next SEC filing: 02 Apr 2026
Source filing: View source filing
Reporting owner signature: /s/ Sean Rahilly, as attorney in fact

Key filing fact

Kirk Chartier filed Form 4 for Enova International, Inc. (ENVA) on 13 Feb 2026.

Key facts

This page summarizes Kirk Chartier's Form 4 filing for Enova International, Inc. (ENVA).
2 reported transactions and 1 derivative row are listed below.
Accepted by SEC: 13 Feb 2026, 16:30.

Change

Previous filing in this sequence was filed on 09 Feb 2026.
Current net transaction value: $0.

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 0001483333 Primary reporting owner

Chartier Kirk

Relationship: Chief Strategy Officer
Address: C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BOULEVARD, SUITE 600, CHICAGO
Signature: /s/ Sean Rahilly, as attorney in fact
Signature date: 13 Feb 2026

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

Award

Transaction value: $0
Shares: +4,573
Change %: +4.6%
Price: $0.000000
Shares after: 104,972
Date: 11 Feb 2026
Ownership: Direct
Footnotes: F1

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

Award

Transaction value: $0
Shares: +2,938
Change %
Price: $0.000000
Shares after: 2,938
Date: 11 Feb 2026
Ownership: Direct
Underlying class: Common stock; par value $0.00001 per share
Underlying amount: 2,938
Exercise price: $157.79
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 reflects a grant of restricted stock units that shall vest in substantially equal one-fourth increments on each of the following dates as long as grantee serves as an employee of the Issuer or an affiliate thereof through the applicable vesting date: February 11, 2027, February 11, 2028, February 11, 2029 and February 11, 2030.

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 shall vest in substantially equal one-third increments on each of the following dates as long as grantee serves as an employee of Issuer or an affiliate thereof through the applicable vesting date: February 11, 2027, February 11, 2028 and February 11, 2029.