Should You Buy Enova International Inc (ENVA) Today? Analysis, Price Targets, and 2026 Outlook.
Analysis Updated At
2026/01/28
Buy now for a long-term beginner investor with $50k–$100k. ENVA just delivered a strong Q4 2025 beat with solid growth and is getting price-target raises tied to continued origination momentum and the Grasshopper Bancorp acquisition (funding/strategic upside). Technicals are neutral (not overbought), and options positioning looks bullish overall. The main near-term negative is heavier insider selling, but the earnings-driven momentum + acquisition catalyst outweigh it for a long-term entry today.
Intellectia Proprietary Trading Signals:
**Intellectia Proprietary Trading Signals**
- [AI Stock Picker](module://ai_stock_pick): No signal on given stock today.
- [SwingMax](module://swingmax): No signal on given stock today.
Technical Analysis
Price context: Post-market price ~159.26 after a +0.99% regular-session gain (market slightly down).
Trend/impulse: Mixed-to-neutral. MACD histogram at -0.955 is below zero but contracting (bearish momentum is fading rather than accelerating). RSI(6) ~53.7 is neutral (not stretched).
Moving averages: Converging MAs suggest consolidation rather than a strong trend.
Key levels: Pivot 157.67 is the key line to hold; resistance near 162.53 (R1) then 165.53 (R2). Supports at 152.81 (S1) and 149.81 (S2). Net read: acceptable long-term entry with near-term consolidation risk but no technical “overheated” signal.
Analyst Ratings and Price Target Trends
Recent trend: Clearly improving. Multiple price-target increases and reiterated Buy/Outperform ratings.
- 2026-01-28 Citizens: PT to 182 (from 180), Outperform; cites attractive valuation, strong quarter, >30% originations growth, and funding benefits from Grasshopper acquisition.
- 2026-01-08 TD Cowen: PT to 180 (from 175), Buy (2026 outlook refresh).
- 2025-12-12 BTIG: PT to 199 (from 144), Buy; views acquisition as transformational.
- 2025-12-12 Citizens: PT to 180 (from 149), Outperform; positive on Grasshopper deal.
Wall Street pros: Sustained origination growth, stable/improving credit, and acquisition-driven funding/strategic upside.
Wall Street cons: Execution/integration risk around Grasshopper and normal credit-cycle/macroeconomic sensitivity for non-prime/specialty finance.
Wall Street analysts forecast ENVA stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ENVA is 177.17 USD with a low forecast of 150 USD and a high forecast of 199 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
Wall Street analysts forecast ENVA stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ENVA is 177.17 USD with a low forecast of 150 USD and a high forecast of 199 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
Current: 165.100
Current: 165.100
