Wall Street analyst price targets, ratings consensus & upside potential · Updated Feb 28, 2026
Last 12 months price action with 12-month analyst target path
As of February 28, 2026, Enova International, Inc. (ENVA) has a Wall Street consensus price target of $193.00, based on estimates from 10 covering analysts. With the stock currently trading at $139.05, this represents a potential upside of +38.8%. The company has a market capitalization of $3.44B.
Analyst price targets range from a low of $189.00 to a high of $199.00, representing a 5% spread in expectations. The median target of $191.00 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 12.0x and forward P/E of 9.0x. Analysts expect EPS to grow +32.5% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $225.51, with bear and bull scenarios of $132.14 and $429.76 respectively. Model confidence stands at 66/100, reflecting moderate uncertainty in projections.
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Start ComparisonThe consensus Wall Street price target for ENVA is $193, representing 38.8% upside from the current price of $139.05. 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 $193 implies 38.8% upside from current levels.
With a forward P/E of 8.9702x, ENVA trades at a relatively low valuation. The consensus target of $193 implies 38.8% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $199 for ENVA, while the most conservative target is $189. The consensus of $193 represents the median expectation. Our quantitative valuation model projects a bull case target of $430 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 $193, with estimates ranging from $189 (bear case) to $199 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $226, with bear/bull scenarios of $132/$430.
Our quantitative valuation model calculates ENVA's fair value at $226 (base case), with a bear case of $132 and bull case of $430. 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.
ENVA trades at a forward P/E ratio of 9.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 12.0x. 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 $193 price target (38.8% 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 $189 to $199, a 5% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $193 consensus represents the middle ground. Our model's $132-$430 range provides an independent fundamental perspective.