Contrasting Enova International (NYSE:ENVA) & Manhattan Bridge Capital (NASDAQ:LOAN)

Manhattan Bridge Capital (NASDAQ:LOAN) and Enova International (NYSE:ENVA) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, risk, valuation, dividends and analyst recommendations.

Valuation and Earnings

This table compares Manhattan Bridge Capital and Enova International”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Manhattan Bridge Capital	$9.69 million	5.25	$5.59 million	$0.46	9.67
Enova International	$3.15 billion	1.33	$308.39 million	$11.58	12.83

Enova International has higher revenue and earnings than Manhattan Bridge Capital. Manhattan Bridge Capital 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 breakdown of recent ratings and price targets for Manhattan Bridge Capital and Enova International, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Manhattan Bridge Capital	0	1	0	0	2.00
Enova International	0	0	6	1	3.14

Enova International has a consensus target price of $180.20, indicating a potential upside of 21.33%. Given Enova International’s stronger consensus rating and higher probable upside, analysts clearly believe Enova International is more favorable than Manhattan Bridge Capital.

Insider and Institutional Ownership

21.8% of Manhattan Bridge Capital shares are held by institutional investors. Comparatively, 89.4% of Enova International shares are held by institutional investors. 24.5% of Manhattan Bridge Capital shares are held by insiders. Comparatively, 8.4% of Enova International shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Manhattan Bridge Capital	58.67%	12.22%	8.10%
Enova International	9.78%	25.31%	5.41%

Risk & Volatility

Manhattan Bridge Capital has a beta of 0.25, indicating that its share price is 75% less volatile than the S&P 500. Comparatively, Enova International has a beta of 1.25, indicating that its share price is 25% more volatile than the S&P 500.

Summary

Enova International beats Manhattan Bridge Capital on 11 of the 15 factors compared between the two stocks.

About Manhattan Bridge Capital

Manhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States. The company offers short-term, secured, and non-banking loans to real estate investors to fund acquisition, renovation, rehabilitation, or development of residential or commercial properties. Its loans are secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the borrowers. The company has elected to be taxed as a real estate investment trust. As a result, it would not be subject to corporate income tax on that portion of its net income that is distributed to shareholders. The company was founded in 1989 and is headquartered in Great Neck, New York.

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.