Sezzle (OTC:SEZNL) versus Enova International (NYSE:ENVA) Critical Survey

Enova International (NYSE:ENVA) and Sezzle (OTC:SEZNL) are both financial services companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, risk, institutional ownership, valuation, dividends and profitability.

Analyst Ratings

This is a breakdown of recent recommendations for Enova International and Sezzle, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enova International	0	3	4	0	2.57
Sezzle	0	0	0	0	N/A

Enova International currently has a consensus target price of $80.67, indicating a potential downside of 10.37%. Given Enova International’s higher probable upside, equities analysts clearly believe Enova International is more favorable than Sezzle.

Insider and Institutional Ownership

89.4% of Enova International shares are owned by institutional investors. 7.8% of Enova International shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Earnings and Valuation

This table compares Enova International and Sezzle”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enova International	$2.37 billion	1.07	$175.12 million	$5.56	16.19
Sezzle	N/A	N/A	N/A	N/A	N/A

Enova International has higher revenue and earnings than Sezzle.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Enova International	7.52%	16.53%	4.37%
Sezzle	N/A	N/A	N/A

Summary

Enova International beats Sezzle on 8 of the 8 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 Sezzle

Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides payment solution at online stores and various brick-and-mortar retail locations that connects consumers with merchants. Its platform enables customers to make online purchases and split the payment for the purchase in four equal interest free payments over six weeks. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.