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Enova International, Inc. (ENVA) vs OneMain Holdings, Inc. (OMF)

Enova International, Inc. and OneMain Holdings, Inc. are both Credit Services companies. OneMain Holdings, Inc. is the larger, with a market value of $6.4B against $4.4B — 1.5× the size. OneMain Holdings, Inc. trades at the lower P/E: 8.4× against 12.4×. Enova International, Inc. grew revenue faster over the last twelve months: 17.7% against 7.04%. OneMain Holdings, Inc. has the higher net margin (12.3% vs 10.3%) and the lower return on invested capital (2.45% vs 8.56%). Across the 20 metrics below, Enova International, Inc. leads on 10 and OneMain Holdings, Inc. on 10.

Valuation

Metric ENVA OMF Credit Services median
P/E 12.45 8.43 9.39
P/S 1.28 1.01 0.86
P/B 2.96 1.91 1.16
Price to free cash flow 2.27 1.99 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.03% 11.87% 6.55%
Free cash flow yield 44.12% 50.33% 12.26%

Profitability

Metric ENVA OMF Credit Services median
Gross margin 59.77% 79.74% 77.13%
Operating margin 24.02% 0.00% 0.34%
Net margin 10.31% 12.26% 9.25%
Free cash flow margin 56.67% 50.72% 12.91%
Return on equity 26.08% 23.28% 8.49%
Return on assets 5.49% 2.89% 2.16%
Return on invested capital 8.56% 2.45% 4.09%

Growth

Metric ENVA OMF Credit Services median
Revenue growth (TTM) 17.65% 7.04% 4.62%
EPS growth (last fiscal year) 55.05% 54.72% 21.94%
Revenue growth, 5-year CAGR 23.80% 4.76% 9.13%
Net income growth, 5-year CAGR (3.98%) 1.41% 0.00%

Health

Metric ENVA OMF Credit Services median
Debt to equity 3.35 6.73 0.68
Current ratio 18.42 0.00 1.55
Net debt to EBITDA 5.13 0.00 0.13

Dividend

Metric ENVA OMF Credit Services median
Dividend yield — 7.51% 1.64%
Payout ratio — 0.63 0.22

Size

Metric ENVA OMF Credit Services median
Market cap 4.42b 6.42b 751.08m

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