ENVAFinancial Services · Credit ServicesThe 6 Wall Street analysts covering Enova International, Inc. hold a median 12-month price target of $221 — +33.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 80 of 100 as at 22 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.
Consensus tells you what everyone already believes. The model scores Enova International, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Quality (90): The business earns solid, repeatable profits on what it owns.
Accruals (13): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
The bullish and bearish analyst opinions on ENVA, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +33.6% from it.
Of the 20 most recent actions, 3 moved their price target up and 4 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 7 Oct 2026 | Jefferies | Maintains | Buy | $300 → $275 |
| 17 Sept 2026 | Stephens & Co. | Maintains | Overweight | — |
| 17 Sept 2026 | Stephens & Co. | Maintains | Overweight | $275 → $205 |
| 15 Sept 2026 | Citizens | Maintains | Market Outperform | $270 → $215 |
| 15 Sept 2026 | Citizens | Maintains | Market Outperform | — |
| 15 Sept 2026 | TD Cowen | Maintains | Buy | — |
| 15 Sept 2026 | TD Cowen | Maintains | Buy | $257 → $220 |
| 24 July 2026 | TD Cowen | Maintains | Buy | — |
| 24 July 2026 | TD Cowen | Maintains | Buy | $250 → $257 |
| 8 July 2026 | Jefferies | Maintains | Buy | — |
| 8 July 2026 | Jefferies | Maintains | Buy | $260 → $280 |
| 7 July 2026 | TD Cowen | Maintains | Buy | $190 → $250 |
| 7 July 2026 | TD Cowen | Maintains | Buy | — |
| 30 June 2026 | BTIG | Maintains | Buy | — |
| 26 June 2026 | Citizens | Maintains | Market Outperform | — |
| 27 Apr 2026 | Maxim Group | Maintains | Buy | — |
| 24 Apr 2026 | Citizens | Maintains | Market Outperform | — |
| 24 Apr 2026 | Stephens & Co. | Maintains | Overweight | — |
| 24 Apr 2026 | TD Cowen | Maintains | Buy | — |
| 23 Apr 2026 | BTIG | Reiterates | Buy | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
ENVA appears in the Radar on the weeks it earns a place.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 23 Oct 2026, Enova International, Inc. returned +44.8% against +14.3% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 49% of US stocks
Cheaper than 44% of US stocks
Cheaper than 30% of US stocks
Cheaper than 14% of US stocks
Higher than 78% of US stocks
Higher than 70% of US stocks
Higher than 63% of US stocks
Higher than 87% of US stocks
Higher than 83% of US stocks
Higher than 85% of US stocks
Higher than 79% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Enova International, Inc. has a market value of $4.5B and an enterprise value of $9.4B.
Revenue in the twelve months to 30 June 2026: $3.4B. The latest quarter grew 31.1% year on year.
Net income over the same four quarters: $355.5M, a 10.3% net margin.
Diluted earnings per share, trailing twelve months: $13.49.
Free cash flow in the twelve months to 30 June 2026: $2.0B, after $46.4M of capital spending.
Enova International, Inc. spent $133.1M on share buybacks in the twelve months to 30 June 2026.
Trailing P/E: 13.5×; forward P/E: 8.6× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
Enova International, Inc. employs 1,836 people — $1.9M of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Enova International, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Enova International reported upbeat third-quarter earnings on Thursday. The headline says analysts increased their forecasts following the results.
Why it matters — ENVA watchers may note the reported results and analysts’ subsequent forecast increases.
Enova reported that quarterly revenue topped $1 billion for the first time in its history in the third quarter. CEO Steve Cunningham attributed the result to strong growth across its portfolio.
Why it matters — The milestone and portfolio growth provide ENVA watchers with a snapshot of the company’s reported quarterly performance.
Seeking Alpha published a transcript of Enova International, Inc.’s Q3 2026 earnings call. The excerpt provides no details from the call.
Why it matters — The transcript is a source for ENVA watchers seeking the company’s Q3 2026 call discussion, but the provided excerpt contains no specific results or commentary.
Enova reported third-quarter double-digit growth in originations, receivables, revenue and adjusted earnings per share. Credit performance remained stable to improving across its consumer and small-business lending portfolios.
Why it matters — The results provide ENVA watchers an update on growth and credit trends across the company’s lending businesses.
Enova International reported quarterly earnings of $4.48 per share, above the Zacks Consensus Estimate of $4.46. Earnings were $3.36 per share in the same period a year earlier.
Why it matters — ENVA watchers may note the company’s quarterly per-share earnings exceeded the cited consensus estimate and rose from a year ago.
The 6 Wall Street analysts covering Enova International, Inc. have a median 12-month price target of $221, with estimates ranging from $215 to $285. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 6 analysts covering Enova International, Inc., 6 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Enova International, Inc. 80 out of 100 across roughly 4,600 US stocks as at 22 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 22 Oct 2026, Enova International, Inc. ranks 80 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Quality (90 of 100).
No one can know that. What the data says: the median 12-month target from 6 analysts implies +33.6% from the last close, and Ticker Nerd's factor model ranks Enova International, Inc. 80 out of 100 as at 22 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Enova International, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for ENVA are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $215 to $285 over the next 12 months.
Enova International, Inc. returned +44.8% over the 12 months to 23 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Enova International Inc. is a financial technology company that provides online financial services to consumers and small businesses.
The most recent item we track (Benzinga, 23 Oct 2026): "These Analysts Increase Their Forecasts On Enova After Upbeat Q3 Results". Enova International reported upbeat third-quarter earnings on Thursday. The headline says analysts increased their forecasts following the results.
Enova International Inc. is a financial technology company that provides online financial services to consumers and small businesses. Its offerings include installment loans, lines of credit, and related lending solutions delivered through digital channels and supported by proprietary analytics, machine learning, and automated underwriting tools. The company serves customers in the United States and Brazil, with products designed for borrowers who may not be fully served by traditional banks. Enova International Inc. operates across consumer finance and small business lending, and also provides adjacent services such as loan servicing, marketing support for lending programs, and money transfer services. Its portfolio includes well-known brands such as CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea.
CEO Mr. Steven E. Cunningham C.F.A. · 1,836 employees · United States · https://www.enova.com
