Enova International (NYSE:ENVA – Get Free Report) and X Financial (NYSE:XYF – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, risk, profitability, valuation and earnings.
Risk and Volatility
Enova International has a beta of 1.22, meaning that its stock price is 22% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500.
Analyst Ratings
This is a summary of recent recommendations and price targets for Enova International and X Financial, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Enova International | 0 | 0 | 8 | 1 | 3.11 |
| X Financial | 0 | 1 | 0 | 0 | 2.00 |
Earnings & Valuation
This table compares Enova International and X Financial”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 | 1.93 | $308.39 million | $13.49 | 18.09 |
| X Financial | $1.09 billion | 0.19 | $209.43 million | $3.45 | 1.57 |
Enova International has higher revenue and earnings than X Financial. X Financial 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 X Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Enova International | 10.31% | 26.66% | 5.55% |
| X Financial | 15.06% | 14.38% | 7.93% |
Institutional and Insider Ownership
89.4% of Enova International shares are held by institutional investors. Comparatively, 1.1% of X Financial shares are held by institutional investors. 8.4% of Enova International shares are held by insiders. Comparatively, 31.6% of X Financial 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.
Summary
Enova International beats X Financial on 12 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 X Financial
X Financial provides personal finance services in the People’s Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People’s Republic of China.
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