Enova International, Inc.

Pursuant to a mandate of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act, during 2022 the SEC adopted rules requiring public companies to provide specified disclosures regarding the relationship between the compensation paid to their named executive officers and financial performance.

Pay versus Performance Table

The following table and accompanying information present the compensation reported in the Summary Compensation Table (SCT) and the compensation actually paid (CAP), as determined in accordance with SEC rules, for our principal executive officer (PEO) and, on average, for our other named executive officers (the Non-PEO NEOs) and certain measures of our financial performance for each of the years shown (dollars in thousands, except per share and total shareholder return (TSR) data):

(1)

Mr. Fisher was the PEO, and Mr. Chartier, Mr. Cunningham and Mr. Rahilly comprised the Non-PEO NEOs, for each of the years shown.

(2)

The table below shows the adjustments made to the compensation in the SCT for the PEO to derive CAP to the PEO. The dollar amounts reported for CAP do not reflect the actual amount of compensation earned by or paid to our PEO during the applicable year, and the Compensation Committee did not consider CAP in making any executive compensation decisions with respect to our PEO:

(3)

The table below shows the adjustments made to the average SCT compensation for the Non-PEO NEOs to derive average CAP to the Non-PEO NEOs. The dollar amounts reported for average CAP do not reflect the actual amount of compensation earned by or paid to our Non-PEO NEOs during the applicable year, and the Compensation Committee did not consider CAP in making any executive compensation decisions with respect to our Non-PEO NEOs:

(4)

The Company used the S&P Small Cap 600 Financials index as an industry-based index for peer group comparison to the Company’s TSR, which the Company also uses in its stock performance graph included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023.

(5)

Adjusted EPS is a non-GAAP financial measure used as the Company Selected Measure for compensation decisions. Management believes that Adjusted EPS is a meaningful and useful measure in understanding the activities and business metrics of the Company's operations and reflects an additional way of viewing our business that, when viewed with its GAAP results, provides a more complete understanding of factors and trends affecting its business. See “Compensation Discussion and Analysis—2023 Compensation for Named Executive Officers—Short-Term Incentive Compensation” for additional information, including a reconciliation of 2023 diluted EPS, calculated in accordance with GAAP, to 2023 Adjusted EPS.

List of Most Important Financial Performance Measures

As required by SEC rules, the following table lists the performance measures that, in the Company's assessment, represent the most important financial measures used by the Company to link compensation “actually paid” to the Company’s PEO and Non-PEO NEOs to Company performance for 2023:

Performance Measures Used to Link Compensation Actually Paid to the PEO and Non-PEO NEOs for the Most Recently Completed Fiscal Year to Company Performance:

Adjusted EPS

Revenue

Adjusted EBITDA

Comparison of CAP to Measures of Financial Performance

The graph below compares PEO CAP and the average Non-PEO NEOs CAP against Company TSR and the peer group TSR for the four fiscal years ended December 31, 2023:

The graph below compares PEO CAP and the average Non-PEO NEOs CAP against net income for the four fiscal years ended December 31, 2023:

The graph below compares PEO CAP and the average Non-PEO NEOs CAP against Adjusted EPS (the Company Selected Measure) for the four fiscal years ended December 31, 2023: