Oportun Financial (NASDAQ:OPRT) & Enova International (NYSE:ENVA) Head to Head Review

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

Insider and Institutional Ownership

89.4% of Enova International shares are owned by institutional investors. Comparatively, 82.7% of Oportun Financial shares are owned by institutional investors. 8.4% of Enova International shares are owned by insiders. Comparatively, 1.6% of Oportun Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Risk and Volatility

Enova International has a beta of 1.21, meaning that its share price is 21% more volatile than the S&P 500. Comparatively, Oportun Financial has a beta of 1.24, meaning that its share price is 24% more volatile than the S&P 500.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enova International	$3.15 billion	1.79	$308.39 million	$13.49	16.82
Oportun Financial	$956.70 million	0.38	$25.25 million	$0.40	19.88

Enova International has higher revenue and earnings than Oportun Financial. Enova International is trading at a lower price-to-earnings ratio than Oportun Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Enova International and Oportun Financial’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%
Oportun Financial	2.05%	13.41%	1.66%

Analyst Recommendations

This is a breakdown of current ratings for Enova International and Oportun Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	0	8	1	3.11
Oportun Financial	1	2	2	0	2.20

Enova International presently has a consensus target price of $247.83, indicating a potential upside of 9.25%. Oportun Financial has a consensus target price of $7.33, indicating a potential downside of 7.77%. Given Enova International’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Enova International is more favorable than Oportun Financial.

Summary

Enova International beats Oportun Financial on 13 of the 15 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 Oportun Financial

Oportun Financial Corporation provides financial services. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Carlos, California.