The invention relates to a testing and evaluating method suitable for adaptive online learning, a mobile terminal and a medium. The method comprises the following steps: the mobile terminal automatically generates a navigation learning path; Select knowledge sheets to be tested according to learning progress and needs; the predictive test is started and the learner initial ability value is estimated; precision measurement of capability value is performed according to the result of prediction test; the test is terminated meeting the test termination conditions; according to the test results, the learner ability value is calculated and the test report is generated. The invention can solve the problem that the learning evaluation precision of the prior art is not high in the online learning.