Comparing Oportun Financial (NASDAQ:OPRT) & Enova International (NYSE:ENVA)

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

Risk and Volatility

Oportun Financial has a beta of 1.24, meaning that its share price is 24% more volatile than the S&P 500. Comparatively, Enova International has a beta of 1.21, meaning that its share price is 21% more volatile than the S&P 500.

Valuation and Earnings

This table compares Oportun Financial 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
Oportun Financial	$956.70 million	0.38	$25.25 million	$0.40	19.68
Enova International	$3.15 billion	1.82	$308.39 million	$13.49	17.09

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

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Oportun Financial and Enova International, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	1	2	2	0	2.20
Enova International	0	0	8	1	3.11

Oportun Financial currently has a consensus price target of $7.33, indicating a potential downside of 6.82%. Enova International has a consensus price target of $247.83, indicating a potential upside of 7.48%. Given Enova International’s stronger consensus rating and higher possible upside, analysts clearly believe Enova International is more favorable than Oportun Financial.

Institutional and Insider Ownership

82.7% of Oportun Financial shares are owned by institutional investors. Comparatively, 89.4% of Enova International shares are owned by institutional investors. 1.6% of Oportun Financial shares are owned by insiders. Comparatively, 8.4% of Enova International 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Oportun Financial	2.05%	13.41%	1.66%
Enova International	10.31%	26.66%	5.55%

Summary

Enova International beats Oportun Financial on 13 of the 15 factors compared between the two stocks.

About Oportun Financial

Oportun Financial Corporation provides financial services. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Carlos, California.

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.