Head to Head Survey: Enova International (ENVA) vs. SLM Corporation (SLM)
Enova International (NYSE: ENVA) and SLM Corporation (NASDAQ:SLM) are both financials companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, valuation, earnings, institutional ownership, analyst recommendations, risk and dividends.
Insider & Institutional Ownership
93.3% of Enova International shares are held by institutional investors. Comparatively, 96.8% of SLM Corporation shares are held by institutional investors. 4.5% of Enova International shares are held by company insiders. Comparatively, 0.6% of SLM Corporation shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Valuation and Earnings
This table compares Enova International and SLM Corporation’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||NetIncome||Earnings Per Share||Price/Earnings Ratio|
|Enova International||$745.57 million||0.67||$34.60 million||$0.91||16.32|
|SLM Corporation||$1.15 billion||4.00||$250.32 million||$0.67||15.85|
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 Enova International and SLM Corporation’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a breakdown of current ratings and target prices for Enova International and SLM Corporation, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Enova International currently has a consensus target price of $16.67, indicating a potential upside of 12.23%. SLM Corporation has a consensus target price of $13.50, indicating a potential upside of 27.12%. Given SLM Corporation’s higher probable upside, analysts plainly believe SLM Corporation is more favorable than Enova International.
Volatility and Risk
Enova International has a beta of 3.34, indicating that its stock price is 234% more volatile than the S&P 500. Comparatively, SLM Corporation has a beta of 1.32, indicating that its stock price is 32% more volatile than the S&P 500.
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).
SLM Corporation Company Profile
SLM Corporation (Sallie Mae) is the nation’s saving, planning, and paying for college company. Sallie Mae offers products, which promote personal finance including private education loans, Upromise rewards, scholarship search, college financial planning tools, insurance, and online retail banking.
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