Jiayin Group (NASDAQ:JFIN – Get Free Report) and Enova International (NYSE:ENVA – Get Free Report) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, profitability, risk, earnings, analyst recommendations, dividends and valuation.
Analyst Recommendations
This is a summary of current ratings and recommmendations for Jiayin Group and Enova International, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Jiayin Group | 1 | 0 | 0 | 0 | 1.00 |
| Enova International | 0 | 1 | 8 | 0 | 2.89 |
Enova International has a consensus target price of $239.00, suggesting a potential upside of 39.39%. Given Enova International’s stronger consensus rating and higher possible upside, analysts plainly believe Enova International is more favorable than Jiayin Group.
Institutional and Insider Ownership
44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 89.4% of Enova International shares are held by institutional investors. 51.2% of Jiayin Group 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 company is poised for long-term growth.
Profitability
This table compares Jiayin Group and Enova International’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Jiayin Group | 5.39% | 5.02% | 2.57% |
| Enova International | 10.47% | 27.25% | 5.60% |
Valuation and Earnings
This table compares Jiayin Group and Enova International”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Jiayin Group | $4.05 billion | 0.02 | $219.61 million | $0.64 | 2.05 |
| Enova International | $3.65 billion | 1.17 | $308.39 million | $14.52 | 11.81 |
Enova International has lower revenue, but higher earnings than Jiayin Group. Jiayin Group is trading at a lower price-to-earnings ratio than Enova International, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
Jiayin Group has a beta of 0.9, suggesting that its stock price is 10% less volatile than the S&P 500. Comparatively, Enova International has a beta of 1.28, suggesting that its stock price is 28% more volatile than the S&P 500.
Summary
Enova International beats Jiayin Group on 12 of the 14 factors compared between the two stocks.
About Jiayin Group
Jiayin Group Inc., together with its subsidiaries, provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers referral services for investment products offered by the financial service providers; and technology development and services, as well as guarantee services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.
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.
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