Financial Analysis: SLM Corporation (SLM) vs. Enova International (ENVA)
SLM Corporation (NASDAQ: SLM) and Enova International (NYSE:ENVA) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, risk, valuation and earnings.
Valuation and Earnings
This table compares SLM Corporation and Enova International’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||NetIncome||Earnings Per Share||Price/Earnings Ratio|
|SLM Corporation||$1.15 billion||3.82||$250.32 million||C$0.67||15.13|
|Enova International||$745.57 million||0.64||$34.60 million||$0.92||15.38|
SLM Corporation has higher revenue and earnings than Enova International. SLM Corporation is trading at a lower price-to-earnings ratio than Enova International, indicating that it is currently the more affordable of the two stocks.
This table compares SLM Corporation and Enova International’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Risk & Volatility
SLM Corporation has a beta of 1.32, indicating that its stock price is 32% more volatile than the S&P 500. Comparatively, Enova International has a beta of 3.5, indicating that its stock price is 250% more volatile than the S&P 500.
Institutional and Insider Ownership
98.6% of SLM Corporation shares are owned by institutional investors. Comparatively, 95.8% of Enova International shares are owned by institutional investors. 0.6% of SLM Corporation shares are owned by company insiders. Comparatively, 1.6% of Enova International shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
This is a breakdown of current ratings and target prices for SLM Corporation and Enova International, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Enova International has a consensus price target of $16.67, indicating a potential upside of 17.79%. Given SLM Corporation’s higher possible upside, equities research analysts plainly believe SLM Corporation is more favorable than Enova International.
SLM Corporation beats Enova International on 9 of the 14 factors compared between the two stocks.
Enova International Company Profile
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).
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