Enova International (NYSE:ENVA) and Credit Saison (OTCMKTS:CSASF) Critical Contrast

Enova International (NYSE:ENVA) and Credit Saison (OTCMKTS:CSASF) are both financial services companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, valuation, profitability, institutional ownership, earnings, risk and analyst recommendations.

Earnings & Valuation

This table compares Enova International and Credit Saison”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enova International	$2.37 billion	1.03	$175.12 million	$5.56	15.62
Credit Saison	N/A	N/A	N/A	C$144.02	0.14

Enova International has higher revenue and earnings than Credit Saison. Credit Saison is trading at a lower price-to-earnings ratio than Enova International, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Enova International and Credit Saison’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Enova International	7.52%	16.53%	4.37%
Credit Saison	N/A	N/A	N/A

Institutional & Insider Ownership

89.4% of Enova International shares are owned by institutional investors. Comparatively, 26.3% of Credit Saison shares are owned by institutional investors. 7.8% of Enova International shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent recommendations and price targets for Enova International and Credit Saison, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	3	4	0	2.57
Credit Saison	0	0	0	0	N/A

Enova International currently has a consensus target price of $80.67, suggesting a potential downside of 7.11%. Given Enova International’s higher possible upside, equities research analysts clearly believe Enova International is more favorable than Credit Saison.

Summary

Enova International beats Credit Saison on 9 of the 10 factors compared between the two stocks.

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.

About Credit Saison

Credit Saison Co., Ltd. provides leasing, finance, real estate, entertainment, and payment services in Japan and internationally. The company offers credit cards, prepaid and debit cards, smartphone-based services, and information processing services; internet advertisement agency; marketing consulting; temporary staffing; and contracting services. It also engages in the credit guarantee and finance related businesses; real estate business; real estate leasing activities; and digital marketing and asset management services, as well as develops and manages amusement. Further, it involved in the import and sell of lifestyle goods; cleaning, security, and property maintenance services; debt collection; personal loan; life/non-life insurance agency; online ticket system and payment services; digital lending; and sells information security and office disaster prevention related services, etc. The company was formerly known as Seibu Credit Co., Ltd. and changed its name to Credit Saison Co., Ltd. in October 1989. Credit Saison Co., Ltd. was incorporated in 1951 and is headquartered in Tokyo, Japan.