Enova International, Inc.
For the period ended May 14, 2025. Filed Apr 4, 2025.
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What shareholders are asked to vote on at a company's meeting. It is where to find what directors and top executives are paid, and who owns the most shares.
May 14, 2025 · Filed Apr 4, 2025
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Contents
Pay versus Performance
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):
| Average Summary · Average Summary · Value of Initial Fixed $100 Investment Based On · Company Selected Measure | ||||||||
|---|---|---|---|---|---|---|---|---|
| Year | Summary Compensation Table Total for PEO (1) | Compensation Actually Paid to PEO (1)(2) | Compensation Table Total for Non-PEO NEOs (1) | Compensation Actually Paid to Non-PEO NEOs (1)(3) | Total Shareholder Return | Peer Group Total Shareholder Return (4) | Company Net Income | Adjusted EPS (5) |
| 2024 | $10,047 | $27,221 | $3,128 | $7,200 | $511 | $177 | $209,448 | $9.15 |
| 2023 | $9,899 | $18,796 | $2,466 | $4,429 | $230 | $93 | $175,121 | $6.85 |
| 2022 | $9,302 | $8,003 | $2,968 | $2,625 | $159 | $92 | $207,424 | $6.81 |
| 2021 | $10,687 | $16,846 | $2,622 | $3,871 | $170 | $110 | $256,295 | $7.57 |
| 2020 | $7,023 | $8,493 | $1,898 | $2,140 | $103 | $89 | $377,844 | $7.26 |
(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 for 2024. The dollar amounts reported for CAP do not reflect the actual amount of compensation earned by or paid to our PEO during 2024, and the Compensation Committee did not consider CAP in making any executive compensation decisions with respect to our PEO:
| Year | Summary Compensation Table Total for PEO | (A)Less: Stock Awards & Option Awards in SCT | (B) Add: YE FV of current year grants | (C)Add: YoY inc (dec) in FV for EOY awards granted in PYs | (D) Add: Vest date FV of awards vested and granted in CY | (E) Add: Inc (dec) of Vest date FV of PY awards vested in CY vs PY FV | Compensation Actually Paid to PEO |
|---|---|---|---|---|---|---|---|
| 2024 | $10,047 | $(6,893) | $10,963 | $11,956 | $— | $1,148 | $27,221 |
(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 for 2024. 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 2024, and the Compensation Committee did not consider CAP in making any executive compensation decisions with respect to our Non-PEO NEOs:
| Average Summary Compensation Table Total for Non-PEO NEOs · (A)Less: Stock Awards & Option Awards in SCT · (B) Add: YE FV of current year grants · (C)Add: YoY inc (dec) in FV for EOY awards granted in PYs · (D) Add: Vest date FV of awards vested and granted in CY · (E) Add: Inc (dec) of Vest date FV of PY awards vested in CY vs PY FV · Average Compensation Actually Paid to Non-PEO NEOs | |||||||
|---|---|---|---|---|---|---|---|
| 2024 | $3,128 | $(1,914) | $3,138 | $2,621 | $— | $227 | $7,200 |
(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, 2024.
(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—2024 Compensation for Named Executive Officers—Short-Term Incentive Compensation” for additional information, including a reconciliation of 2024 diluted earnings per share, calculated in accordance with GAAP, to 2024 Adjusted EPS.
List of Most Important Financial Performance Measures
As required by SEC rules, the following performance measures are those 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 2024:
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 five fiscal years ended December 31, 2024:
The graph below compares PEO CAP and the average Non-PEO NEOs CAP against net income for the five fiscal years ended December 31, 2024:
The graph below compares PEO CAP and the average Non-PEO NEOs CAP against Adjusted EPS (the Company Selected Measure) for the five fiscal years ended December 31, 2024:
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.