Comparing Enova International (ENVA) and Its Competitors

Enova International (NYSE:ENVA) is one of 120 public companies in the “Consumer Finance” industry, but how does it contrast to its rivals? We will compare Enova International to similar businesses based on the strength of its institutional ownership, profitability, dividends, analyst recommendations, valuation, risk and earnings.

Valuation and Earnings

This table compares Enova International and its rivals gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Enova International	$3.15 billion	$308.39 million	11.52
Enova International Competitors	$3.62 billion	$385.17 million	4.49

Enova International’s rivals have higher revenue and earnings than Enova International. Enova International is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Insider and Institutional Ownership

89.4% of Enova International shares are owned by institutional investors. Comparatively, 45.7% of shares of all “Consumer Finance” companies are owned by institutional investors. 8.4% of Enova International shares are owned by insiders. Comparatively, 22.0% of shares of all “Consumer Finance” companies are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of current ratings and recommmendations for Enova International and its rivals, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	2	7	0	2.78
Enova International Competitors	896	3364	5297	276	2.50

Enova International currently has a consensus price target of $239.00, suggesting a potential upside of 42.93%. As a group, “Consumer Finance” companies have a potential upside of 21.72%. Given Enova International’s stronger consensus rating and higher possible upside, equities analysts clearly believe Enova International is more favorable than its rivals.

Volatility & Risk

Enova International has a beta of 1.36, indicating that its share price is 36% more volatile than the S&P 500. Comparatively, Enova International’s rivals have a beta of 1.26, indicating that their average share price is 26% more volatile than the S&P 500.

Profitability

This table compares Enova International and its rivals’ 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%
Enova International Competitors	10.42%	-15.79%	2.02%

Summary

Enova International beats its rivals on 9 of the 13 factors compared.

About Enova International

Enova International is a financial technology company that provides online financial services to consumers and small businesses, with a focus on customers who may have limited access to traditional credit. Its products include installment loans and lines of credit. The company serves consumers through brands including CashNetUSA and NetCredit, and provides financing to small businesses through OnDeck and Headway Capital. Enova also uses data analytics and technology to support its lending and customer-service operations.