Analyzing Enova International (ENVA) & Its Competitors

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

Insider and Institutional Ownership

89.4% of Enova International shares are held by institutional investors. Comparatively, 45.7% of shares of all “Consumer Finance” companies are held by institutional investors. 8.4% of Enova International shares are held by insiders. Comparatively, 22.0% of shares of all “Consumer Finance” companies are held 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.

Risk and Volatility

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 competitors 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 competitors’ 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	10.34%	-15.82%	1.67%

Valuation and Earnings

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Enova International	$3.65 billion	$308.39 million	11.72
Enova International Competitors	$3.64 billion	$385.17 million	4.56

Enova International has higher revenue, but lower earnings than its competitors. Enova International is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Analyst Recommendations

This is a breakdown of recent ratings for Enova International and its competitors, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	2	7	0	2.78
Enova International Competitors	896	3369	5300	278	2.50

Enova International presently has a consensus target price of $239.00, suggesting a potential upside of 40.46%. As a group, “Consumer Finance” companies have a potential upside of 20.34%. Given Enova International’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Enova International is more favorable than its competitors.

Summary

Enova International beats its competitors on 10 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.