ENVA trades 46.5% below Wall Street's consensus target of $247.60.
Last 12 months price action with 12-month analyst target path
The base valuation assumes ENVA achieves its forward estimates and maintains a stable P/E multiple of 9.8x. This scenario reflects the blended consensus of 10 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 23, 2026, Enova International, Inc. (ENVA) has a Wall Street consensus price target of $247.60, based on estimates from 10 covering analysts. With the stock currently trading at $168.98, this represents a potential upside of +46.5%. The company has a market capitalization of $4.21B.
Analyst price targets range from a low of $200.00 to a high of $283.00, representing a 34% spread in expectations. The median target of $270.00 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 14.6x and forward P/E of 9.8x. Analysts expect EPS to grow +28.0% 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.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 WRLDWorld Acceptance Corporation | $806M | $172.99 | — | — | Hold | 24.5x | 10 |
 RMRegional Management Corp. | $288M | $31.28 | — | — | Hold | 6.3x | 16 |
 PRAAPRA Group, Inc. | $785M | $20.58 | $25.00 | +21.5% | Hold | 6.1x | 13 |
 QCRHQCR Holdings, Inc. | $1.6B | $99.36 | $109.00 | +9.7% | Buy | 11.6x | 8 |
 OPRTOportun Financial Corporation | $381M | $8.29 | $8.00 | -3.5% | Hold | 5.3x | 9 |
 ATLCAtlanticus Holdings Corporation | $1.4B | $92.05 | $136.40 | +48.2% | Buy | 9.6x | 7 |
 CACCCredit Acceptance Corporation | $5.9B | $562.34 | $540.00 | -4.0% | Hold | 11.6x | 18 |
 NAVINavient Corporation | $891M | $9.48 | $8.50 | -10.3% | Hold | 12.5x | 24 |
 FISVFiserv, Inc. | $24.6B | $46.10 | $62.46 | +35.5% | Buy | 6.4x | 61 |
 FISFidelity National Information Services, Inc. | $18.1B | $34.98 | $48.42 | +38.4% | Buy | 5.6x | 37 |
Quick answers to the most common questions about buying ENVA stock.
The consensus Wall Street price target for ENVA is $247.6, representing 46.5% upside from the current price of $168.98. With 10 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
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 $247.6 implies 46.5% upside from current levels.
With a forward P/E of 9.7812x, ENVA trades at a relatively low valuation. The consensus target of $247.6 implies 46.5% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $283 for ENVA, while the most conservative target is $200. The consensus of $247.6 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.
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.
The 12-month ENVA stock forecast based on 10 Wall Street analysts shows a consensus price target of $247.6, with estimates ranging from $200 (bear case) to $283 (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.
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.
ENVA trades at a forward P/E ratio of 9.8x based on next-twelve-months earnings estimates compared to a trailing P/E of 14.6x. 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.
Wall Street analysts are very optimistic on ENVA, with a "Buy" consensus rating and $247.6 price target (46.5% 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.
ENVA analyst price targets range from $200 to $283, a 34% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $247.6 consensus represents the middle ground. Our model's $164-$342 range provides an independent fundamental perspective.
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