Head to Head Survey: Edenred (OTCMKTS:EDNMY) versus Enova International (NYSE:ENVA)

Edenred (OTCMKTS:EDNMY) and Enova International (NYSE:ENVA) are both business services companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, institutional ownership, dividends, risk and profitability.

Volatility and Risk

Edenred has a beta of 0.76, suggesting that its stock price is 24% less volatile than the S&P 500. Comparatively, Enova International has a beta of 1.55, suggesting that its stock price is 55% more volatile than the S&P 500.

Earnings and Valuation

This table compares Edenred and Enova International’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Edenred	$2.50 billion	4.74	$288.95 million	N/A	N/A
Enova International	$2.12 billion	0.77	$175.12 million	$5.48	10.80

Edenred has higher revenue and earnings than Enova International.

Insider and Institutional Ownership

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 endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Edenred and Enova International, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Edenred	0	0	2	0	3.00
Enova International	0	2	2	0	2.50

Enova International has a consensus price target of $63.00, suggesting a potential upside of 6.47%. Given Enova International’s higher probable upside, analysts plainly believe Enova International is more favorable than Edenred.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Edenred	N/A	N/A	N/A
Enova International	8.27%	15.84%	4.79%

Summary

Enova International beats Edenred on 7 of the 11 factors compared between the two stocks.

About Edenred

Edenred SE provides digital platform for services and payments for companies, employees, and merchants worldwide. It offers employee benefit solutions, including Ticket Restaurant, a solution that allows employees to take time out for lunch at a partner merchant; Ticket Alimentación that allows users to pay for groceries in neighborhood stores and supermarkets; Ticket Regalo, a gift voucher; Ticket CESU, a human services solution; Ticket Plus Card, a solution that enables the purchase of staples, such as food and fuel; Ticket Welfare, which employees can use to pay for a range of services, such as access to sports facilities and solutions for their children's educational needs; Ticket Guardería for companies without on-site daycare facilities; Childcare Vouchers; Ticket EcoCheque, a solutions that encourages purchase of environmentally friendly products; Ticket Kadeos Culture and Ticket Cultura that are solutions for cultural goods and services. The company also offers mobility solutions comprising Ticket Log for light vehicle fleet management; Ticket Fleet Pro and Ticket Cargo for truck fleet management; Ticket Car for employees to pay for fuel and other business travel expenses; UTA Edenred for paying tolls, optimize routes, pay for roadside assistance and truck servicing, and for VAT reimbursement; fuel cards; and refund services for VAT and excise duties. In addition, it provides complementary solutions comprising corporate payment, invoice processing automation, and salary card solutions. Edenred SE was founded in 1962 and is headquartered in Issy-les-Moulineaux, France.

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.