Comparing OppFi (NYSE:OPFI) & Enova International (NYSE:ENVA)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Enova International	10.31%	26.66%	5.55%
OppFi	16.64%	30.89%	13.99%

Volatility & Risk

Enova International has a beta of 1.28, indicating that its share price is 28% more volatile than the S&P 500. Comparatively, OppFi has a beta of 1.78, indicating that its share price is 78% more volatile than the S&P 500.

Earnings and Valuation

This table compares Enova International and OppFi”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enova International	$3.45 billion	1.28	$308.39 million	$13.49	13.17
OppFi	$597.05 million	0.81	$26.33 million	$1.89	3.00

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.

Insider and Institutional Ownership

89.4% of Enova International shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 8.4% of Enova International shares are owned by company insiders. Comparatively, 70.2% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Enova International and OppFi, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	1	8	0	2.89
OppFi	0	4	2	0	2.33

Enova International presently has a consensus target price of $230.83, suggesting a potential upside of 29.93%. OppFi has a consensus target price of $10.50, suggesting a potential upside of 85.41%. Given OppFi’s higher probable upside, analysts clearly believe OppFi is more favorable than Enova International.

Summary

Enova International beats OppFi on 8 of the 14 factors compared between the two stocks.

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.

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.