Head-To-Head Analysis: Jiayin Group (NASDAQ:JFIN) and Enova International (NYSE:ENVA)

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

Profitability

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

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

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$889.76 million	0.10	$219.61 million	$0.64	2.53
Enova International	$3.15 billion	1.35	$308.39 million	$14.52	11.95

Enova International has higher revenue and earnings 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.

Insider & Institutional Ownership

44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 89.4% of Enova International shares are held by institutional investors. 51.2% of Jiayin Group shares are held by insiders. Comparatively, 8.4% of Enova International shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current recommendations for Jiayin Group and Enova International, as provided by MarketBeat.com.

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

Enova International has a consensus price target of $239.00, indicating a potential upside of 37.70%. Given Enova International’s stronger consensus rating and higher possible upside, analysts clearly believe Enova International is more favorable than Jiayin Group.

Volatility and Risk

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

Summary

Enova International beats Jiayin Group on 13 of the 14 factors compared between the two stocks.

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.

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.