ENVA vs. CACC, OMF, SLM, NNI, BFH, OCSL, LC, LPRO, WRLD, and ATLC
Should you be buying Enova International stock or one of its competitors? The main competitors of Enova International include Credit Acceptance (CACC), OneMain (OMF), SLM (SLM), Nelnet (NNI), Bread Financial (BFH), Oaktree Specialty Lending (OCSL), LendingClub (LC), Open Lending (LPRO), World Acceptance (WRLD), and Atlanticus (ATLC). These companies are all part of the "personal credit institutions" industry.
Enova International (NYSE:ENVA) and Credit Acceptance (NASDAQ:CACC) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, media sentiment, profitability, risk, community ranking, earnings, analyst recommendations, dividends and valuation.
89.4% of Enova International shares are owned by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are owned by institutional investors. 7.8% of Enova International shares are owned by insiders. Comparatively, 5.3% of Credit Acceptance shares are owned by 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.
Enova International presently has a consensus price target of $67.60, suggesting a potential upside of 9.65%. Credit Acceptance has a consensus price target of $402.33, suggesting a potential downside of 18.03%. Given Enova International's stronger consensus rating and higher possible upside, research analysts plainly believe Enova International is more favorable than Credit Acceptance.
Credit Acceptance received 5 more outperform votes than Enova International when rated by MarketBeat users. However, 62.12% of users gave Enova International an outperform vote while only 51.31% of users gave Credit Acceptance an outperform vote.
Credit Acceptance has lower revenue, but higher earnings than Enova International. Enova International is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.
In the previous week, Credit Acceptance had 3 more articles in the media than Enova International. MarketBeat recorded 6 mentions for Credit Acceptance and 3 mentions for Enova International. Credit Acceptance's average media sentiment score of 1.65 beat Enova International's score of 0.26 indicating that Credit Acceptance is being referred to more favorably in the news media.
Credit Acceptance has a net margin of 12.83% compared to Enova International's net margin of 7.69%. Credit Acceptance's return on equity of 30.70% beat Enova International's return on equity.
Enova International has a beta of 1.52, meaning that its share price is 52% more volatile than the S&P 500. Comparatively, Credit Acceptance has a beta of 1.44, meaning that its share price is 44% more volatile than the S&P 500.
Summary
Credit Acceptance beats Enova International on 10 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding ENVA and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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