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ENVAENVAFinancial Services · Credit Services

ENVA Stock Forecast: Enova International, Inc. Price Predictions for 2026-2027

Last close, 2 Oct 2026
$173
+0.63% on the day

The 6 Wall Street analysts covering Enova International, Inc. hold a median 12-month price target of $221 — +27.8% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 86 of 100 as at 1 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$4.3B
Ticker Nerd rank
86 / 100
Median analyst target
$221
Analysts covering
6
Revenue$928.9M+21.6% y/y
Operating income$139.3M
Net income$105.1M
Free cash flow$531.4M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−0.5%
1M
−23.9%
YTD
+9.8%
1Y
+51.0%
From 52W high
−35.0%
From 52W low
+65.9%
$104
$265
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

ENVA stock analysis: one number for the whole business

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.

Where the model ranks itAs at 1 Oct 2026
86 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Revisions
98
Quality
90
Growth
87
Momentum
83
Value
69
Volatility
58
Issuance
48
Size
25
Accruals
13

Revisions (98): Analysts have, on balance, been raising their forecasts.

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.

Wall Street

ENVA stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on ENVA, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$100$150$200$250$300Jan 26Apr 26Jul 26Oct 26ENVAHigh $300Median $221Low $205

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

What Wall Street says6 analysts
6 Buy0 Hold0 Sell
Low $205Median $221High $300

The green dot is the last close — the median target sits +27.8% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 3 moved their price target up and 3 moved it down.

DateFirmActionRatingTarget
17 Sept 2026Stephens & Co.MaintainsOverweight$275 → $205
15 Sept 2026CitizensMaintainsMarket Outperform$270 → $215
15 Sept 2026TD CowenMaintainsBuy$257 → $220
24 July 2026TD CowenMaintainsBuy$250 → $257
24 July 2026TD CowenMaintainsBuy—
8 July 2026JefferiesMaintainsBuy$260 → $280
8 July 2026JefferiesMaintainsBuy—
7 July 2026TD CowenMaintainsBuy$190 → $250
7 July 2026TD CowenMaintainsBuy—
30 June 2026BTIGMaintainsBuy—
26 June 2026CitizensMaintainsMarket Outperform—
27 Apr 2026Maxim GroupMaintainsBuy—
24 Apr 2026CitizensMaintainsMarket Outperform—
24 Apr 2026Stephens & Co.MaintainsOverweight—
24 Apr 2026TD CowenMaintainsBuy—
23 Apr 2026BTIGReiteratesBuy—
28 Jan 2026BTIGReiteratesBuy—
28 Jan 2026CitizensMaintainsMarket Outperform—
8 Jan 2026TD CowenMaintainsBuy—
12 Dec 2025BTIGMaintainsBuy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. ENVA appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

ENVA vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 2 Oct 2026, Enova International, Inc. returned +51.0% against +16.2% for the S&P 500, dividends included.

ENVA vs S&P 500, last 12 monthsTotal return, rebased to 100
100150200Jan 26Apr 26Jul 26Oct 26ENVAS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

ENVA analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+5.5%
Analysts raising
4
Analysts cutting
0
Fundamentals

Enova International, Inc. (ENVA) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
12.7×

Cheaper than 50% of US stocks

Price / sales
2.5×

Cheaper than 46% of US stocks

Price / book
2.9×

Cheaper than 33% of US stocks

EV / EBITDA
20.1×

Cheaper than 15% of US stocks

Growth & margins
Revenue growth (YoY)
31.1%

Higher than 78% of US stocks

Earnings growth (YoY)
38.0%

Higher than 70% of US stocks

Gross margin
50.6%

Higher than 63% of US stocks

Operating margin
29.9%

Higher than 87% of US stocks

Net margin
21.0%

Higher than 83% of US stocks

Returns & dividend
Return on equity
26.1%

Higher than 86% of US stocks

Return on assets
5.5%

Higher than 79% of US stocks

Dividend yield
—

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Enova International, Inc. (ENVA) statistics: revenue, profit & scale

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 $4.3B and an enterprise value of $9.2B.

  • 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.

  • Shares outstanding: 24.9M.

  • Trailing P/E: 12.7×; forward P/E: 8.2× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Enova International, Inc. employs 1,836 people — $1.9M of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 2 Oct 2026

Data provided by Twelve Data

Peers

ENVA vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
ENVAEnova International, Inc.$4.3B
86
SLMSLM Corp.$4.2B
89
NNINelnet, Inc.$4.4B
58
BFHBread Financial Holdings, Inc.$3.9B
99
SEZLSezzle, Inc.$3.7B
92
CACCCredit Acceptance Corp.$5.3B
84
OMFOneMain Holdings, Inc.$6.6B
68

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 →

News

Latest ENVA news & analysis

ENOVA INTERNATIONAL, INC. ENVA INVESTORS: Contact Kirby McInerney LLP About the Firm's Securities Investigation Following 23.4% Share Drop

Business Wire · 1 Oct 2026negative

Law firm Kirby McInerney LLP announced it is investigating Enova International, Inc. over possible violations of federal securities laws or other unlawful business practices by the company and/or senior management. The investigation follows Enova disclosing on September 14, 2026, that it had withdrawn its applications with the Office of the Comptroller of the Currency following a sharp drop in its share price.

Why it matters — The company faces a securities investigation and a 23.4% share drop linked to the withdrawal of its regulatory applications, which is material information for ENVA watchers.

Enova International (ENVA) Securities Investigation Notice - Levi & Korsinsky

PRNewsWire · 23 Sept 2026negative

Enova International shares fell after the company withdrew the federal regulatory applications required to complete its approximately $369 million Grasshopper Bancorp acquisition. Levi & Korsinsky is investigating potential securities law violations on behalf of ENVA investors.

Why it matters — ENVA watchers would care because the withdrawn regulatory applications jeopardize the company's planned Grasshopper Bancorp acquisition, and a securities investigation adds legal and reputational risk.

ENVA Investors Have Opportunity to Join Enova International, Inc. Fraud Investigation with SBS Law

Business Wire · 20 Sept 2026negative

Business Wire announced that SBS Law is conducting a fraud investigation into Enova International, Inc. (ENVA) and that ENVA investors have the opportunity to join the investigation.

Why it matters — ENVA watchers would care because the company is now subject to a law firm's fraud investigation, which could have implications for investor confidence and legal scrutiny.

Enova International: Oversold, Upgrading To Buy

Seeking Alpha · 18 Sept 2026positive

Enova International was upgraded to Buy by Seeking Alpha following a 25% share price decline after it withdrew its Grasshopper acquisition applications. The upgrade is based on the company's reaffirmed guidance excluding Grasshopper, compressed forward valuation, and an accelerated share buyback program with $349mn authorized through June 2027.

Why it matters — An ENVA watcher would care because the upgrade reflects a positive view on the company's valuation and its reaffirmed earnings growth and buyback plans after the Grasshopper withdrawal caused a significant share price drop.

Enova International (ENVA) is a Top-Ranked Growth Stock: Should You Buy?

Zacks Investment Research · 18 Sept 2026positive

Zacks Investment Research highlighted Enova International as a top-ranked growth stock within its Style Scores framework, which is used to identify strong, market-beating stocks. The piece discusses ENVA's growth ranking in this context.

Why it matters — The article brings attention to ENVA's top growth-stock ranking, offering Enova watchers insight into how the company is positioned within a widely used stock-screening framework.

FAQ

Frequently asked questions about ENVA stock

What is the ENVA stock price forecast for 2026-2027?

The 6 Wall Street analysts covering Enova International, Inc. have a median 12-month price target of $221, with estimates ranging from $205 to $300. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is ENVA stock a buy right now?

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. 86 out of 100 across roughly 4,600 US stocks as at 1 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank ENVA?

As at 1 Oct 2026, Enova International, Inc. ranks 86 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 Revisions (98 of 100).

Will ENVA stock go up?

No one can know that. What the data says: the median 12-month target from 6 analysts implies +27.8% from the last close, and Ticker Nerd's factor model ranks Enova International, Inc. 86 out of 100 as at 1 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the ENVA stock forecast for 2030?

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: $205 to $300 over the next 12 months.

How has ENVA stock performed over the past year?

Enova International, Inc. returned +51.0% over the 12 months to 2 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Enova International, Inc. do?

Enova International Inc. is a financial technology company that provides online financial services to consumers and small businesses.

What is the latest news on ENVA?

The most recent item we track (Business Wire, 1 Oct 2026): "ENOVA INTERNATIONAL, INC. ENVA INVESTORS: Contact Kirby McInerney LLP About the Firm's Securities Investigation Following 23.4% Share Drop". Law firm Kirby McInerney LLP announced it is investigating Enova International, Inc. over possible violations of federal securities laws or other unlawful business practices by the company and/or senior management. The investigation follows Enova disclosing on September 14, 2026, that it had withdrawn its applications with the Office of the Comptroller of the Currency following a sharp drop in its share price.

Company

About Enova International, Inc.

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