Enova International (NYSE:ENVA) versus Jiayin Group (NASDAQ:JFIN) Head to Head Analysis

Enova International (NYSE:ENVA) and Jiayin Group (NASDAQ:JFIN) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, valuation, analyst recommendations, profitability, institutional ownership and risk.

Risk & Volatility

Enova International has a beta of 1.28, meaning that its stock price is 28% more volatile than the S&P 500. Comparatively, Jiayin Group has a beta of 0.9, meaning that its stock price is 10% less volatile than the S&P 500.

Insider & Institutional Ownership

89.4% of Enova International shares are owned by institutional investors. Comparatively, 44.1% of Jiayin Group shares are owned by institutional investors. 8.4% of Enova International shares are owned by insiders. Comparatively, 51.2% of Jiayin Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Enova International and Jiayin Group”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enova International	$3.65 billion	1.17	$308.39 million	$14.52	11.81
Jiayin Group	$4.05 billion	0.02	$219.61 million	$0.64	2.05

Enova International has higher earnings, but lower revenue than Jiayin Group. Jiayin Group is trading at a lower price-to-earnings ratio than Enova International, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings and price targets for Enova International and Jiayin Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	1	8	0	2.89
Jiayin Group	1	0	0	0	1.00

Enova International currently has a consensus target price of $239.00, indicating a potential upside of 39.39%. Given Enova International’s stronger consensus rating and higher probable upside, equities analysts clearly believe Enova International is more favorable than Jiayin Group.

Profitability

This table compares Enova International and Jiayin Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Enova International	10.47%	27.25%	5.60%
Jiayin Group	5.39%	5.02%	2.57%

Summary

Enova International beats Jiayin Group on 12 of the 14 factors compared between the two stocks.

About Enova International

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company provides installment loans; line of credit accounts; 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 offers money transfer services. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea names. The company was founded in 2003 and is headquartered in Chicago, Illinois.

About Jiayin Group

Jiayin Group Inc., together with its subsidiaries, provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers referral services for investment products offered by the financial service providers; and technology development and services, as well as guarantee services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.