Enova International (NYSE: ENVA) is one of 16 public companies in the “Personal credit institutions” industry, but how does it contrast to its competitors? We will compare Enova International to similar companies based on the strength of its valuation, analyst recommendations, institutional ownership, earnings, risk, dividends and profitability.
Profitability
This table compares Enova International and its competitors’ net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Enova International | 45.70% | 39.35% | 15.70% |
Enova International Competitors | 15.91% | 26.68% | 2.55% |
Earnings and Valuation
This table compares Enova International and its competitors revenue, earnings per share and valuation.
Gross Revenue | Net Income | Price/Earnings Ratio | |
Enova International | $1.08 billion | $377.84 million | 4.98 |
Enova International Competitors | $2.41 billion | $325.50 million | 17.02 |
Enova International’s competitors have higher revenue, but lower earnings than Enova International. Enova International is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Institutional and Insider Ownership
85.3% of Enova International shares are owned by institutional investors. Comparatively, 60.5% of shares of all “Personal credit institutions” companies are owned by institutional investors. 6.3% of Enova International shares are owned by insiders. Comparatively, 18.7% of shares of all “Personal credit institutions” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Volatility and Risk
Enova International has a beta of 1.84, suggesting that its stock price is 84% more volatile than the S&P 500. Comparatively, Enova International’s competitors have a beta of 1.38, suggesting that their average stock price is 38% more volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of current ratings and target prices for Enova International and its competitors, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Enova International | 0 | 1 | 1 | 0 | 2.50 |
Enova International Competitors | 191 | 844 | 1064 | 62 | 2.46 |
Enova International presently has a consensus price target of $46.00, suggesting a potential upside of 35.53%. As a group, “Personal credit institutions” companies have a potential downside of 17.87%. Given Enova International’s stronger consensus rating and higher probable upside, analysts plainly believe Enova International is more favorable than its competitors.
Summary
Enova International beats its competitors on 9 of the 13 factors compared.
About Enova International
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; income share agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides Enova Decisions, an analytics as a service designed to automate or augment customer decisions, which include credit risk, fraud risk, identity verification, customer profitability, payments, and collection. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, and Simplic names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.