SLM Corporation (SLM) & Enova International (ENVA) Head to Head Survey

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

Profitability

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
Enova International 3.87% 14.85% 3.80%
SLM Corporation 22.95% 16.63% 1.62%

Institutional & Insider Ownership

93.1% of Enova International shares are held by institutional investors. Comparatively, 97.5% of SLM Corporation shares are held by institutional investors. 1.6% of Enova International shares are held by insiders. Comparatively, 0.6% of SLM Corporation shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares Enova International and SLM Corporation’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio NetIncome Earnings Per Share Price/Earnings Ratio
Enova International $745.57 million 0.64 $34.60 million $0.92 15.60
SLM Corporation $1.15 billion 3.89 $250.32 million $0.67 15.42

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.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Enova International and SLM Corporation, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Enova International 0 1 3 0 2.75
SLM Corporation 1 1 6 0 2.63

Enova International presently has a consensus target price of $16.67, suggesting a potential upside of 16.14%. SLM Corporation has a consensus target price of $13.50, suggesting a potential upside of 30.69%. Given SLM Corporation’s higher probable upside, analysts clearly believe SLM Corporation is more favorable than Enova International.

Risk & Volatility

Enova International has a beta of 3.5, meaning that its share price is 250% more volatile than the S&P 500. Comparatively, SLM Corporation has a beta of 1.32, meaning that its share price is 32% more volatile than the S&P 500.

Summary

SLM Corporation beats Enova International on 9 of the 14 factors compared between the two stocks.

About Enova International

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).

About SLM Corporation

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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