Oportun Financial (NASDAQ:OPRT) & Enova International (NYSE:ENVA) Head-To-Head Comparison

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

Insider & Institutional Ownership

82.7% of Oportun Financial shares are held by institutional investors. Comparatively, 89.4% of Enova International shares are held by institutional investors. 1.6% of Oportun Financial shares are held by company insiders. Comparatively, 8.4% of Enova International shares are held by company 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 & Volatility

Oportun Financial has a beta of 1.22, meaning that its share price is 22% more volatile than the S&P 500. Comparatively, Enova International has a beta of 1.22, meaning that its share price is 22% more volatile than the S&P 500.

Analyst Recommendations

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

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

Oportun Financial presently has a consensus price target of $7.33, suggesting a potential upside of 2.85%. Enova International has a consensus price target of $247.83, suggesting a potential upside of 11.40%. Given Enova International’s stronger consensus rating and higher probable upside, analysts plainly believe Enova International is more favorable than Oportun Financial.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$956.70 million	0.34	$25.25 million	$0.40	17.82
Enova International	$3.15 billion	1.76	$308.39 million	$13.49	16.49

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 Oportun Financial and Enova International’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Oportun Financial	2.05%	13.41%	1.66%
Enova International	10.31%	26.66%	5.55%

Summary

Enova International beats Oportun Financial on 13 of the 14 factors compared between the two stocks.

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.

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.