Credit Saison (OTCMKTS:CSASF – Get Free Report) and Enova International (NYSE:ENVA – Get Free Report) are both financial services companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, institutional ownership, valuation, earnings, analyst recommendations, risk and profitability.
Analyst Ratings
This is a summary of recent recommendations 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 $88.33, suggesting a potential downside of 0.10%. Given Enova International’s higher probable upside, analysts plainly believe Enova International is more favorable than Credit Saison.
Insider 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% |
Earnings & Valuation
This table compares Credit Saison and Enova International”s 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 | $2.51 billion | 0.99 | $175.12 million | $5.56 | 15.90 |
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.
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.
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