Enova International (NYSE: ENVA) and SLM Corporation (NASDAQ:SLM) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, dividends, earnings, risk and profitability.
Earnings and Valuation
This table compares Enova International and SLM Corporation’s revenue, earnings per share and valuation.
||Earnings Per Share
SLM Corporation has higher revenue and earnings than Enova International. Enova International is trading at a lower price-to-earnings ratio than SLM Corporation, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Enova International has a beta of 3.5, meaning that its share price is 250% more volatile than the S&P 500. Comparatively, SLM Corporation has a beta of 1.32, meaning that its share price is 32% more volatile than the S&P 500.
This table compares Enova International and SLM Corporation’s net margins, return on equity and return on assets.
||Return on Equity
||Return on Assets
This is a breakdown of current ratings and recommmendations for Enova International and SLM Corporation, as reported by MarketBeat.
||Strong Buy Ratings
Enova International currently has a consensus target price of $16.67, suggesting a potential upside of 22.55%. SLM Corporation has a consensus target price of $13.50, suggesting a potential upside of 36.09%. Given SLM Corporation’s higher probable upside, analysts plainly believe SLM Corporation is more favorable than Enova International.
Institutional & Insider Ownership
93.1% of Enova International shares are held by institutional investors. Comparatively, 97.5% of SLM Corporation shares are held by institutional investors. 4.5% of Enova International shares are held by insiders. Comparatively, 0.6% of SLM Corporation shares 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.
SLM Corporation beats Enova International on 9 of the 14 factors compared between the two stocks.
About Enova International
Enova International, Inc. is a technology and analytics company. The Company provides online financial services. As of December 31, 2016, the Company offered or arranged loans to consumers in 33 states in the United States and in the United Kingdom and Brazil. As of December 31, 2016, it also offered financing to small businesses in all 50 states and Washington D.C. in the United States. The Company provides online financial services to non-prime credit consumers and small businesses in the United States, United Kingdom, and Brazil. Its customers include small businesses, which have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders. The Company’s financing products include short-term loans, line of credit accounts, installment loans and receivables purchase agreements (RPAs).
About SLM Corporation
SLM Corporation (Sallie Mae) is the nation’s saving, planning, and paying for college company. Sallie Mae offers products, which promote personal finance including private education loans, Upromise rewards, scholarship search, college financial planning tools, insurance, and online retail banking.
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