Enova International, Inc. (ENVA) Price Target Analysis
Updated Jul 2, 2026
Analyst Rating: Buy
Based on 10 analysts4.4% Above Target
ENVA trades 4.4% above Wall Street's consensus target of $226.67.
Current Price$237.00
Average Target$226.67
Target
Current
Low$200.00
Median$210.00
High$270.00
Analyst Target Range
Forward P/E14.4x
(Value)
PEG Ratio—
Implied Growth+32.7%
(High Growth)
Analyst Spread30.9%
(Moderate)
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Consensus Scenario Assumptions
The base valuation assumes ENVA achieves its forward estimates and maintains a stable P/E multiple of 14.4x. This scenario reflects the blended consensus of 10 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
ENVA Price Target Analysis
Updated July 8, 2026As of July 8, 2026, Enova International, Inc. (ENVA) has a Wall Street consensus price target of $226.67, based on estimates from 10 covering analysts. With the stock currently trading at $237.00, this represents a potential downside of -4.4%. The company has a market capitalization of $5.91B.
Analyst price targets range from a low of $200.00 to a high of $270.00, representing a 31% spread in expectations. The median target of $210.00 differs from the mean, suggesting potential outlier estimates.
The current analyst consensus rating is Buy, with 7 analysts rating the stock as a Buy or Strong Buy,3 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, ENVA trades at a trailing P/E of 20.5x and forward P/E of 14.4x. Analysts expect EPS to grow +32.7% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $259.66, with bear and bull scenarios of $163.58 and $342.12 respectively. Model confidence stands at 54/100, reflecting moderate uncertainty in projections.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside
+30.9%
Industry Consensus
Avg Forward P/E
10.7x
(Value)
Peers with Coverage
8 / 10
Active Analyst Tracking
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 WRLDWorld Acceptance Corporation | $924M | $199.11 | — | — | Hold | 28.2x | 10 |
 RMRegional Management Corp. | $394M | $41.88 | — | — | Hold | 7.5x | 16 |
 PRAAPRA Group, Inc. | $688M | $18.03 | $25.00 | +38.7% | Hold | 7.2x | 13 |
 QCRHQCR Holdings, Inc. | $1.6B | $95.90 | $103.00 | +7.4% | Buy | 11.7x | 8 |
 OPRTOportun Financial Corporation | $260M | $5.68 | $10.88 | +91.5% | Hold | 3.6x | 8 |
 ATLCAtlanticus Holdings Corporation | $1.5B | $97.38 | $139.50 | +43.3% | Buy | 10.3x | 6 |
 CACCCredit Acceptance Corporation | $6.7B | $646.58 | $540.00 | -16.5% | Hold | 13.4x | 18 |
 NAVINavient Corporation | $785M | $8.35 | $8.67 | +3.8% | Hold | 11.7x | 24 |
 FISVFiserv, Inc. | $28.2B | $52.71 | $69.17 | +31.2% | Buy | 6.5x | 60 |
 FISFidelity National Information Services, Inc. | $22.0B | $42.60 | $62.88 | +47.6% | Buy | 6.8x | 37 |
ENVA — Frequently Asked Questions
Quick answers to the most common questions about buying ENVA stock.
What is the ENVA stock price target for 2026?
Wall Street's consensus price target for ENVA is $226.67, -4.4% from its current price of $237. The below-market target from 10 analysts suggests limited near-term appreciation.
Is ENVA a buy, sell, or hold?
ENVA has a consensus rating of "Buy" based on 10 Wall Street analysts. The rating breakdown is predominantly bullish, with 7 Buy/Strong Buy ratings. The consensus 12-month price target of $226.67 implies -4.4% downside from current levels.
Is ENVA stock overvalued or undervalued?
With a forward P/E of 14.4088x, ENVA trades at a relatively low valuation. The consensus target of $226.67 implies -4.4% move, suggesting the market may be pricing in risks.
How high can ENVA stock go?
The most bullish Wall Street analyst has a price target of $270 for ENVA, while the most conservative target is $200. The consensus of $226.67 represents the median expectation. Our quantitative valuation model projects a bull case target of $342 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
How many analysts cover ENVA stock?
ENVA is moderately covered, with 10 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 7 have Buy ratings, 3 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the ENVA stock forecast?
The 12-month ENVA stock forecast based on 10 Wall Street analysts shows a consensus price target of $226.67, with estimates ranging from $200 (bear case) to $270 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $260, with bear/bull scenarios of $164/$342.
What is ENVA's fair value based on fundamentals?
Our quantitative valuation model calculates ENVA's fair value at $260 (base case), with a bear case of $164 and bull case of $342. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 54/100.
What is ENVA's forward P/E ratio?
ENVA trades at a forward P/E ratio of 14.4x based on next-twelve-months earnings estimates compared to a trailing P/E of 20.5x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy ENVA stock?
Analysts are cautious on ENVA, with 0 Sell ratings and a price target of $226.67 (-4.4% from current price). The "Buy" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do ENVA price targets vary so much?
ENVA analyst price targets range from $200 to $270, a 31% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $226.67 consensus represents the middle ground. Our model's $164-$342 range provides an independent fundamental perspective.
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare