Enova International (NYSE:ENVA) and Mr. Amazing Loans (OTC:MRAL) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, risk, valuation, analyst recommendations, profitability, institutional ownership and earnings.
Earnings & Valuation
This table compares Enova International and Mr. Amazing Loans’ revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Enova International||$1.11 billion||0.72||$70.09 million||$2.32||10.08|
|Mr. Amazing Loans||$1.69 million||1.03||-$5.50 million||N/A||N/A|
Enova International has higher revenue and earnings than Mr. Amazing Loans.
This is a breakdown of current recommendations and price targets for Enova International and Mr. Amazing Loans, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Mr. Amazing Loans||0||1||0||0||2.00|
Enova International presently has a consensus target price of $40.00, indicating a potential upside of 71.01%. Mr. Amazing Loans has a consensus target price of $0.31, indicating a potential upside of 210.00%. Given Mr. Amazing Loans’ higher possible upside, analysts plainly believe Mr. Amazing Loans is more favorable than Enova International.
Volatility and Risk
Enova International has a beta of 2.38, suggesting that its share price is 138% more volatile than the S&P 500. Comparatively, Mr. Amazing Loans has a beta of 1.65, suggesting that its share price is 65% more volatile than the S&P 500.
This table compares Enova International and Mr. Amazing Loans’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Mr. Amazing Loans||-275.59%||-86.04%||-84.01%|
Institutional & Insider Ownership
93.5% of Enova International shares are held by institutional investors. Comparatively, 0.5% of Mr. Amazing Loans shares are held by institutional investors. 5.6% of Enova International shares are held by company insiders. Comparatively, 39.5% of Mr. Amazing Loans shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Enova International beats Mr. Amazing Loans on 9 of the 12 factors compared between the two stocks.
About Enova International
Enova International, Inc., a technology and analytics company, provides online financial services. The company offers short-term consumer loans; line of credit accounts; installment loans; receivables purchase agreements; CSO programs, including credit-related services, such as arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs comprising technology, loan servicing, and marketing services to the bank, as well as Enova Decisions, an analytics as a service that enables companies to take decisions about their customers through existing tools and technologies. It offers loans to consumers under the names CashNetUSA and NetCredit in the United States; QuickQuid, Pounds to Pocket, and On Stride Financial names in the United Kingdom; and Simplic name in Brazil. The company also offers financing to small businesses under the names Headway Capital and The Business Backer in the United States. Enova International, Inc. was founded in 2011 and is headquartered in Chicago, Illinois.
About Mr. Amazing Loans
Mr. Amazing Loans Corporation, a consumer finance company, provides unsecured online consumer loans to individuals in the United States. It offers loans for debt consolidation, medical expenses, home improvements, auto repairs, purchases, and discretionary spending. The company provides its loans to residents under the Mr. Amazing Loans brand name through its mramazingloans.com Website in 20 states, including Alabama, Arizona, California, Florida, Georgia, Illinois, Kentucky, Louisiana, Maryland, Missouri, Nevada, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, Texas, Utah, Virginia, and Wisconsin. The company was formerly known as IEG Holdings Corporation. Mr. Amazing Loans Corporation was founded in 1999 and is headquartered in Las Vegas, Nevada.
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