Enova International (NYSE:ENVA) and Mr. Cooper Group (NASDAQ:COOP) Financial Contrast

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

Institutional and Insider Ownership

89.4% of Enova International shares are owned by institutional investors. Comparatively, 89.8% of Mr. Cooper Group shares are owned by institutional investors. 8.4% of Enova International shares are owned by insiders. Comparatively, 1.7% of Mr. Cooper Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Risk and Volatility

Enova International has a beta of 1.48, indicating that its share price is 48% more volatile than the S&P 500. Comparatively, Mr. Cooper Group has a beta of 0.98, indicating that its share price is 2% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations for Enova International and Mr. Cooper Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	0	5	1	3.17
Mr. Cooper Group	0	5	4	0	2.44

Enova International currently has a consensus price target of $111.00, indicating a potential downside of 8.47%. Mr. Cooper Group has a consensus price target of $140.38, indicating a potential downside of 25.54%. Given Enova International’s stronger consensus rating and higher possible upside, equities analysts clearly believe Enova International is more favorable than Mr. Cooper Group.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Enova International	8.75%	23.33%	5.23%
Mr. Cooper Group	25.38%	15.66%	4.22%

Valuation & Earnings

This table compares Enova International and Mr. Cooper Group”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enova International	$2.66 billion	1.14	$209.45 million	$9.42	12.87
Mr. Cooper Group	$2.23 billion	5.42	$669.00 million	$8.74	21.57

Mr. Cooper Group has lower revenue, but higher earnings than Enova International. Enova International is trading at a lower price-to-earnings ratio than Mr. Cooper Group, indicating that it is currently the more affordable of the two stocks.

Summary

Enova International beats Mr. Cooper Group on 10 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 Mr. Cooper Group

Mr. Cooper Group Inc., together with its subsidiaries, operates as a non-bank servicer of residential mortgage loans in the United States. The company operates through Servicing and Originations segments. The Servicing segment performs activities on behalf of investors or owners of the underlying mortgages and mortgage servicing rights, including collecting and disbursing borrower payments, investor reporting, customer service, modifying loans, performing collections, foreclosures, and the sale of real estate owned. The Originations segment originates residential mortgage loans through its direct-to-consumer and correspondent channels. The company provides its services under the Mr. Cooper and Xome brands. The company was formerly known as WMIH Corp. and changed its name to Mr. Cooper Group Inc. in October 2018. Mr. Cooper Group Inc. was incorporated in 2015 and is based in Coppell, Texas.