Enova International vs OneMain
ENVA and OMF side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ENVA and OMF compare
OneMain is the larger company, worth 1.5 times as much as Enova International ($6.2B against $4.1B).
On earnings, OneMain is cheaper: it trades at 8.3× trailing earnings, against 11.5× for Enova International.
Enova International grew revenue faster over the last twelve months (20.1% versus 8.8% for OneMain).
OneMain keeps more of each dollar of sales as profit, with a net margin of 14.7% compared with 10.5% at Enova International.
OneMain pays a dividend yielding 5.8%; Enova International does not pay one.
OneMain scores higher on the StockData Score (15 against 10 for Enova International), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ENVA | OMF |
|---|---|---|
| Size and price | ||
| Market cap | $4.1B | $6.2B |
| Share price | $167.01 | $54.38 |
| Change, 1 year | 31.2% | −9.1% |
| Change, 5 years | 322% | 10.2% |
| Beta (5Y) | 1.37 | 1.27 |
| Employees | 1,836 | 9,300 |
| StockData Score | ||
| Total score | 10 | 15 (better) |
| Valuation score | 2 | 3 (better) |
| Growth score | 5 (better) | 1 |
| Performance score | 3 | 3 |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 11.5× | 8.3× (better) |
| P/S | 1.1× (better) | 1.2× |
| P/B | 2.6× | 1.8× (better) |
| EV/EBITDA | 4.3× | – |
| P/FCF | 2.0× | – |
| PEG | 0.50 | – |
| FCF yield | 49.1% | – |
| Fair value | $223.65 | $54.99 |
| Margin of safety | 25.3% (better) | 1.1% |
| Growth | ||
| Revenue growth (TTM) | 20.1% (better) | 8.8% |
| Revenue growth, 5Y average | 23.8% (better) | 4.9% |
| Net income growth (TTM) | 30.5% (better) | 8.8% |
| EPS growth (TTM) | 33.4% (better) | 11.4% |
| EPS growth, 5Y average | −0.31% | 3.9% (better) |
| Profitability | ||
| Gross margin | 60.6% | – |
| Operating margin | 24.0% | – |
| Net margin | 10.5% | 14.7% (better) |
| FCF margin | 54.9% | – |
| Return on equity | 26.8% (better) | 22.7% |
| Return on invested capital | 50.4% | – |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Interest coverage | 2.3× | – |
| Altman Z-score | 1.67 (better) | 0.46 |
| Piotroski F-score | 8 (better) | 7 |
| Dividends and buybacks | ||
| Dividend yield | – | 5.8% |
| Payout ratio | – | 64.4% |
| Years of dividend growth | – | 3 |
| Dividend growth, 5Y average | – | −6.8% |
| Buyback yield | 3.5% | 3.9% (better) |
| Shareholder yield | 3.5% | 9.7% (better) |
| Ownership | ||
| Held by institutions | 96.4% | 94.6% |
| Held by insiders | 5.4% | 0.56% |
| Insider net buying, 12 months | −$72.4M | −$5.4M (better) |
| Superinvestors holding | – | 4 |
| Short interest, % of float | 7.3% | 3.5% |
Go deeper
- ENVA stock overview
- ENVA income statement
- ENVA valuation and score
- OMF stock overview
- OMF income statement
- OMF valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.