ENVA Enova International, Inc.

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 4/4 quarters. Q2 2026: $55M, Q1 2026: $86M, Q3 2025: $23M, Q2 2025: $63M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $55M vs trailing avg $57M (-4%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Buyback $228M / FCF $58M = 395% of FCF

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Missing shares repurchased or outstanding data

Are officers and directors buying stock with their own money on the open market?

1 open-market purchase by RICE LINDA JOHNSON

• RICE LINDA JOHNSON () bought 1,700 shares at $115.95 on 2025-09-10

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Company buybacks in 4 quarters but insufficient insider buying

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $27M in the last 90 days (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

Company buying back stock while insiders sold 322.6x more than bought. 2 C-suite officers among sellers

• Cunningham Steven E (Chief Executive Officer) sold 4,156 shares on 2026-04-28
• Cunningham Steven E (Chief Executive Officer) sold 3,696 shares on 2026-04-28
• Cunningham Steven E (Chief Executive Officer) sold 11,436 shares on 2026-01-30
• Fisher David (Chief Executive Officer) sold 15,000 shares on 2025-12-16
• Fisher David (Chief Executive Officer) sold 6,000 shares on 2025-11-21
• Cunningham Steven E (Chief Financial Officer) sold 11,436 shares on 2025-10-29
• Cunningham Steven E (Chief Financial Officer) sold 3,438 shares on 2025-10-29
• Fisher David (Chief Executive Officer) sold 6,000 shares on 2025-10-27
• Fisher David (Chief Executive Officer) sold 35,000 shares on 2025-09-17
• Fisher David (Chief Executive Officer) sold 6,000 shares on 2025-09-19