Enova International, Inc. (ENVA) Price Target Analysis
Wall Street analyst price targets, ratings consensus & upside potential · Updated May 1, 2026
Current Price
$172.57
Price Target
$199.50
Target Range
$189.00 — $210.00
Analyst Rating
Buy
Forward P/E10.5x
Trailing P/E14.9x
Forward PEG—
Implied Growth+32.7%
Median Target$199.50
Analyst Spread10.5%
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Bear Case
$189
+9.5%
Consensus
$200
+15.6%
Bull Case
$210
+21.7%
Valuation Model TargetsConfidence: 66/100
Bear$173
Base$297
Bull$564
ENVA Price Target Analysis
Updated May 7, 2026As of May 7, 2026, Enova International, Inc. (ENVA) has a Wall Street consensus price target of $199.50, based on estimates from 10 covering analysts. With the stock currently trading at $172.57, this represents a potential upside of +15.6%. The company has a market capitalization of $4.30B.
Analyst price targets range from a low of $189.00 to a high of $210.00, representing a 11% spread in expectations. The median target of $199.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
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 14.9x and forward P/E of 10.5x. 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 $296.81, with bear and bull scenarios of $173.28 and $563.55 respectively. Model confidence stands at 66/100, 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+23.8%
Avg Forward P/E11.6x
Peers with Coverage8 / 10
| Company | Market Cap | Price | Target | Upside | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 WRLDWorld Acceptance Corporation | $751M | $149.09 | — | — | Hold | 21.1x | 10 |
 RMRegional Management Corp. | $329M | $34.97 | — | — | Hold | 6.3x | 15 |
 PRAAPRA Group, Inc. | $819M | $21.29 | $26.00 | +22.1% | Hold | 26.4x | 13 |
 QCRHQCR Holdings, Inc. | $1.5B | $91.86 | $103.00 | +12.1% | Buy | 11.3x | 8 |
 OPRTOportun Financial Corporation | $266M | $5.81 | $10.88 | +87.3% | Hold | 3.8x | 8 |
 ATLCAtlanticus Holdings Corporation | $1.2B | $77.82 | $70.00 | -10.0% | Buy | 8.6x | 6 |
 CACCCredit Acceptance Corporation | $5.6B | $539.93 | $540.00 | +0.0% | Hold | 11.7x | 18 |
 NAVINavient Corporation | $821M | $8.73 | $8.67 | -0.7% | Hold | 12.2x | 24 |
 FISVFiserv, Inc. | $30.0B | $56.11 | $74.64 | +33.0% | Buy | 6.9x | 60 |
 FISFidelity National Information Services, Inc. | $23.8B | $45.97 | $67.38 | +46.6% | Buy | 7.3x | 37 |
Upside Potential Comparison
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Start ComparisonENVA — Frequently Asked Questions
Quick answers to the most common questions about buying ENVA stock.
What is the ENVA stock price target for 2026?
Enova International, Inc. (ENVA) has a consensus 12-month price target of $199.5, implying 15.6% upside from $172.57. The 10 analysts covering ENVA see moderate appreciation potential.
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 $199.5 implies 15.6% upside from current levels.
Is ENVA stock overvalued or undervalued?
With a forward P/E of 10.4959x, ENVA trades at a relatively low valuation. The consensus target of $199.5 implies 15.6% appreciation, suggesting meaningful undervaluation.
How high can ENVA stock go?
The most bullish Wall Street analyst has a price target of $210 for ENVA, while the most conservative target is $189. The consensus of $199.5 represents the median expectation. Our quantitative valuation model projects a bull case target of $564 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 $199.5, with estimates ranging from $189 (bear case) to $210 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $297, with bear/bull scenarios of $173/$564.
What is ENVA's fair value based on fundamentals?
Our quantitative valuation model calculates ENVA's fair value at $297 (base case), with a bear case of $173 and bull case of $564. 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 66/100.
What is ENVA's forward P/E ratio?
ENVA trades at a forward P/E ratio of 10.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 14.9x. 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?
Wall Street analysts are optimistic on ENVA, with a "Buy" consensus rating and $199.5 price target (15.6% upside). 7 of 10 analysts rate it Buy or Strong Buy. 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 $189 to $210, a 11% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $199.5 consensus represents the middle ground. Our model's $173-$564 range provides an independent fundamental perspective.