Enova International (NYSE:ENVA) versus OppFi (NYSE:OPFI) Financial Survey
by Mitch Edgeman · The Markets DailyOppFi (NYSE:OPFI – Get Free Report) and Enova International (NYSE:ENVA – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, analyst recommendations, earnings, valuation, institutional ownership, risk and dividends.
Institutional & Insider Ownership
7.1% of OppFi shares are held by institutional investors. Comparatively, 89.4% of Enova International shares are held by institutional investors. 70.2% of OppFi shares are held by insiders. Comparatively, 8.4% of Enova International shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Valuation & Earnings
This table compares OppFi and Enova International”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OppFi | $597.05 million | 0.82 | $26.33 million | $1.89 | 3.05 |
| Enova International | $3.15 billion | 1.39 | $308.39 million | $13.49 | 13.05 |
Enova International has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Enova International, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of current recommendations and price targets for OppFi and Enova International, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OppFi | 0 | 4 | 2 | 0 | 2.33 |
| Enova International | 0 | 1 | 8 | 0 | 2.89 |
OppFi presently has a consensus target price of $10.50, suggesting a potential upside of 82.13%. Enova International has a consensus target price of $230.83, suggesting a potential upside of 31.14%. Given OppFi’s higher probable upside, analysts clearly believe OppFi is more favorable than Enova International.
Volatility and Risk
OppFi has a beta of 1.78, suggesting that its share price is 78% more volatile than the S&P 500. Comparatively, Enova International has a beta of 1.28, suggesting that its share price is 28% more volatile than the S&P 500.
Profitability
This table compares OppFi and Enova International’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OppFi | 16.64% | 30.89% | 13.99% |
| Enova International | 10.31% | 26.66% | 5.55% |
Summary
Enova International beats OppFi on 8 of the 14 factors compared between the two stocks.
About OppFi
OppFi Inc. operates a cialty finance platform that allows banks to offer credit access. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. OppFi Inc. was founded in 2012 and is headquartered in Chicago, Illinois.
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.