Comparing Enova International (NYSE:ENVA) & Credit Saison (OTCMKTS:CSASF)

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

Profitability

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

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

Analyst Recommendations

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

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

Enova International has a consensus target price of $80.67, indicating a potential downside of 7.11%. Given Enova International’s higher probable upside, analysts plainly believe Enova International is more favorable than Credit Saison.

Earnings & Valuation

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

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

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.

Institutional & Insider Ownership

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

Summary

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

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.

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.