Head to Head Review: Enova International (NYSE:ENVA) & Manhattan Bridge Capital (NASDAQ:LOAN)

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

Analyst Ratings

This is a summary of recent recommendations and price targets for Enova International and Manhattan Bridge Capital, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	0	6	1	3.14
Manhattan Bridge Capital	0	1	0	0	2.00

Enova International presently has a consensus price target of $180.20, indicating a potential upside of 21.33%. Given Enova International’s stronger consensus rating and higher possible upside, equities analysts clearly believe Enova International is more favorable than Manhattan Bridge Capital.

Volatility & Risk

Enova International has a beta of 1.25, indicating that its stock price is 25% more volatile than the S&P 500. Comparatively, Manhattan Bridge Capital has a beta of 0.25, indicating that its stock price is 75% less volatile than the S&P 500.

Earnings and Valuation

This table compares Enova International and Manhattan Bridge Capital”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enova International	$3.15 billion	1.33	$308.39 million	$11.58	12.83
Manhattan Bridge Capital	$9.69 million	5.25	$5.59 million	$0.46	9.67

Enova International has higher revenue and earnings than Manhattan Bridge Capital. Manhattan Bridge Capital 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 and Insider Ownership

89.4% of Enova International shares are held by institutional investors. Comparatively, 21.8% of Manhattan Bridge Capital shares are held by institutional investors. 8.4% of Enova International shares are held by insiders. Comparatively, 24.5% of Manhattan Bridge Capital shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Enova International and Manhattan Bridge Capital’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Enova International	9.78%	25.31%	5.41%
Manhattan Bridge Capital	58.67%	12.22%	8.10%

Summary

Enova International beats Manhattan Bridge Capital on 11 of the 15 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 Manhattan Bridge Capital

Manhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States. The company offers short-term, secured, and non-banking loans to real estate investors to fund acquisition, renovation, rehabilitation, or development of residential or commercial properties. Its loans are secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the borrowers. The company has elected to be taxed as a real estate investment trust. As a result, it would not be subject to corporate income tax on that portion of its net income that is distributed to shareholders. The company was founded in 1989 and is headquartered in Great Neck, New York.