Enova International (NYSE:ENVA – Get Free Report) is one of 120 public companies in the “Consumer Finance” industry, but how does it weigh in compared to its competitors? We will compare Enova International to similar businesses based on the strength of its dividends, profitability, analyst recommendations, earnings, institutional ownership, valuation and risk.
Insider & 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 hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Analyst Ratings
This is a breakdown of recent recommendations for Enova International and its competitors, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Enova International | 0 | 1 | 8 | 0 | 2.89 |
| Enova International Competitors | 891 | 3353 | 5292 | 274 | 2.50 |
Enova International presently has a consensus price target of $239.00, suggesting a potential upside of 42.09%. As a group, “Consumer Finance” companies have a potential upside of 19.36%. Given Enova International’s stronger consensus rating and higher possible upside, equities analysts plainly believe Enova International is more favorable than its competitors.
Earnings & Valuation
This table compares Enova International and its competitors revenue, earnings per share and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Enova International | $3.15 billion | $308.39 million | 11.58 |
| Enova International Competitors | $3.61 billion | $385.17 million | 6.31 |
Enova International’s competitors have higher revenue and earnings than Enova International. 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.
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 | 9.83% | -15.77% | 2.02% |
Volatility & Risk
Enova International has a beta of 1.36, indicating that its stock 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 stock price is 26% more volatile than the S&P 500.
Summary
Enova International beats its competitors on 9 of the 13 factors compared.
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.
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