Should I Buy ENVA? ENVA 2026 Analysis

Should You Buy Enova International Inc (ENVA) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

161.100

1 Day change

0.83%

52 Week Range

176.680

Analysis Updated At

2026/02/04

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Buy now: ENVA is pulling back to near-term support (~154) while the broader trend remains bullish (SMA_5 > SMA_20 > SMA_200), creating an attractive “buy-the-dip” entry for an impatient buyer.
Fundamentals + Wall St. support are strong: Q4’25 growth and multiple price-target raises reinforce upside expectations.
Main offsetting risk: heavy insider selling recently is a clear negative, but it’s not currently overpowering the technical uptrend and positive catalysts.

Technical Analysis

Trend: Primary trend remains bullish (SMA_5 > SMA_20 > SMA_200), suggesting the larger move is still up.
Momentum: MACD histogram -0.463 and weakening (negatively expanding) = short-term downside pressure/pullback inside the broader uptrend.
RSI (6): 39.8 = leaning weak/near-oversold vs. recent range, consistent with a dip.
Key levels: Support S1 ~154.23 (price 155.66 is close); if it holds, rebound odds improve. Resistance levels: Pivot 163.46, then R1 172.69.
Near-term bias: Tactical dip-buy setup near support, but expect choppiness until momentum turns back up.

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning (Open Interest): Put/Call OI 1.21 = more puts outstanding than calls (mildly cautious / hedged sentiment).
Flow (Volume): Put/Call volume 0.12 = call volume dominates today (more bullish/optimistic near-term trading behavior).
Volatility: IV30 41.2 vs HV 37.21 (IV slightly elevated); IV percentile ~59% suggests options are not cheap but not extreme.
Activity: Today’s volume 284 (94% of 30D avg) while today’s open interest appears elevated vs 30D average (more positioning outstanding).

Technical Summary

Sell

Buy

Positive Catalysts

- Strong Q4 2025 results and narrative: revenue, EPS, and net income all grew >20% YoY.
- Originations growth + credit quality called out by analysts as key drivers.
- Grasshopper Bancorp acquisition (national banking charter / funding cost benefits) viewed as potentially transformational and a multi-quarter catalyst.
- SMB demand tailwinds in the news (small businesses anticipating growth; ongoing financing needs).

Neutral/Negative Catalysts

- Insiders are selling aggressively: selling amount up ~1482% over the last month (notable confidence/stock-supply headwind).
- Short-term technical momentum is weakening (negative and expanding MACD), which can keep pressure on the stock near-term.
- Execution/event risk around the pending Grasshopper acquisition and leadership transition (CEO change) even if strategically positive.
- Hedge funds are neutral (no strong institutional momentum signal from the provided data).

Financial Performance

Latest quarter (2025/Q4) showed strong growth:
- Revenue $501.9M, +21.51% YoY
- Net income $78.98M, +24.00% YoY
- EPS 3.00, +30.43% YoY
- Gross margin listed as 100 (flat YoY per provided snapshot)
Overall takeaway: accelerating earnings power alongside solid top-line growth, consistent with analysts’ upbeat commentary on originations and credit trends.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Trend: Ratings remain positive (Buy/Outperform) with multiple price target raises from Dec 2025 through Jan 2026.
Recent changes:
- Maxim: PT to $191 (from $150), Buy (Q4 beat + originations growth)
- BTIG: PT to $199 (from $144), Buy (views acquisition as transformational)
- TD Cowen: PT to $180 (from $175), Buy
- Citizens: PT to $182 (from $180), Outperform (attractive valuation, growth, funding benefits)
Wall Street “pros” view: sustained originations growth, stable/improving credit, and meaningful strategic upside from Grasshopper.
Wall Street “cons” view (implied): integration/execution risk and macro sensitivity typical for specialty finance, though not flagged as deteriorating in the notes.
Politician/Congress trading: No recent congress trading data available.

6 Analyst Rating

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.

6 Buy

0 Hold

0 Sell

Strong Buy

Current: 159.780

Low

150

Averages

177.17

High

199

Current: 159.780

Low

150

Averages

177.17

High

199

Maxim

NULL -> Buy

maintain

$150 -> $191

AI Analysis

2026-01-29

Reason

Maxim

Price Target

$150 -> $191

AI Analysis

2026-01-29

maintain

NULL -> Buy

Reason

Maxim raised the firm's price target on Enova International to $191 from $150 and keeps a Buy rating on the shares. The company's Q4 earnings beat was driven by 15% growth in loan originations and solid credit quality, the analyst tells investors in a research note.

Citizens

Outperform

maintain

$180 -> $182

2026-01-28

Reason

Citizens

Price Target

$180 -> $182

2026-01-28

maintain

Outperform

Reason

Citizens raised the firm's price target on Enova International to $182 from $180 and keeps an Outperform rating on the shares. Enova continues to trade attractively following another strong quarter marked by more than 30% originations growth, led by small and medium sized businesses, and stable-to-improving credit trends, the analyst tells investors in a research note. Management highlighted healthy consumer and SMB demand and reiterated meaningful growth and funding benefits from the pending Grasshopper Bancorp acquisition, expected to close in the second half of the year, the firm says.

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ENVA Should I Buy

ENVA Should I Buy

Should You Buy Enova International Inc (ENVA) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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