vs
Enova International, Inc.（ENVA）とNELNET INC（NNI）の財務データ比較。上の社名をクリックして会社を切り替えられます
Enova International, Inc.の直近四半期売上が大きい（$875.1M vs $107.1M、NELNET INCの約8.2倍）。NELNET INCの純利益率が高く（53.9% vs 10.4%、差は43.5%）。NELNET INCの前年同期比売上増加率が高い（33.8% vs 17.4%）。過去8四半期でNELNET INCの売上複合成長率が高い（20.1% vs 18.0%）
エノバ・インターナショナルはグローバルなフィンテック企業で、短期消費者ローンや中小企業向け融資などのオンライン金融ソリューションを提供しています。主に北米、南米、欧州の顧客を対象に、高度なデータ分析で信用力を評価し、従来金融でアクセスしにくい層に適した商品を届けています。
Nelnet社は米国ネブラスカ州リンカーンに本社を置く複合企業グループで、主に学生ローン・消費者ローンの融資・管理業務を中心とした金融サービスを展開しているほか、投資部門やネットバンクも運営し、ケーブル・インターネットプロバイダーのAllo Fiberの26%の株式を保有しています。
ENVA vs NNI — 直接比較
損益計算書 — Q1 2026 vs Q4 2025
| 指標 | | |
|---|---|---|
| 売上 | $875.1M | $107.1M |
| 純利益 | $91.1M | $57.8M |
| 粗利率 | — | 50.5% |
| 営業利益率 | 23.7% | — |
| 純利益率 | 10.4% | 53.9% |
| 売上前年比 | 17.4% | 33.8% |
| 純利益前年比 | 24.9% | -8.8% |
| EPS（希薄化後） | $3.46 | $1.62 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $107.1M | ||
| Q3 25 | $802.7M | $85.3M | ||
| Q2 25 | $764.0M | $79.4M | ||
| Q1 25 | $745.5M | $82.7M | ||
| Q4 24 | $729.6M | $80.1M | ||
| Q3 24 | $689.9M | $72.2M | ||
| Q2 24 | $628.4M | $66.4M |
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $57.8M | ||
| Q3 25 | $80.3M | $106.7M | ||
| Q2 25 | $76.1M | $181.5M | ||
| Q1 25 | $72.9M | $82.6M | ||
| Q4 24 | $63.7M | $63.4M | ||
| Q3 24 | $43.4M | $2.4M | ||
| Q2 24 | $53.9M | $45.1M |
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 50.5% | ||
| Q3 25 | 57.4% | 29.6% | ||
| Q2 25 | 57.8% | 29.8% | ||
| Q1 25 | 57.2% | 30.5% | ||
| Q4 24 | 56.6% | 13.7% | ||
| Q3 24 | 58.0% | 0.1% | ||
| Q2 24 | 58.9% | 27.3% |
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | — | ||
| Q3 25 | 24.5% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | 23.1% | — | ||
| Q4 24 | 21.3% | 97.7% | ||
| Q3 24 | 22.3% | -3.1% | ||
| Q2 24 | 23.1% | 88.0% |
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 53.9% | ||
| Q3 25 | 10.0% | 125.1% | ||
| Q2 25 | 10.0% | 228.4% | ||
| Q1 25 | 9.8% | 99.8% | ||
| Q4 24 | 8.7% | 79.1% | ||
| Q3 24 | 6.3% | 3.3% | ||
| Q2 24 | 8.6% | 67.9% |
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $1.62 | ||
| Q3 25 | $3.03 | $2.94 | ||
| Q2 25 | $2.86 | $4.97 | ||
| Q1 25 | $2.69 | $2.26 | ||
| Q4 24 | $2.29 | $1.75 | ||
| Q3 24 | $1.57 | $0.07 | ||
| Q2 24 | $1.93 | $1.23 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $96.1M | $296.0M |
| 総負債低いほど良い | $4.8B | $7.8B |
| 株主資本純資産 | — | $3.7B |
| 総資産 | $6.9B | $14.1B |
| 負債/資本比率低いほどレバレッジが低い | — | 2.11× |
8四半期トレンド — 暦四半期で整列
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $296.0M | ||
| Q3 25 | $53.6M | $216.4M | ||
| Q2 25 | $55.6M | $225.8M | ||
| Q1 25 | $55.5M | $220.5M | ||
| Q4 24 | $73.9M | $194.5M | ||
| Q3 24 | $67.5M | $219.7M | ||
| Q2 24 | $60.1M | $145.5M |
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $7.8B | ||
| Q3 25 | $4.1B | $7.8B | ||
| Q2 25 | $4.0B | $7.9B | ||
| Q1 25 | $3.8B | $8.7B | ||
| Q4 24 | $3.6B | $8.3B | ||
| Q3 24 | $3.3B | $8.9B | ||
| Q2 24 | $3.2B | $9.6B |
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $3.7B | ||
| Q3 25 | $1.3B | $3.7B | ||
| Q2 25 | $1.2B | $3.6B | ||
| Q1 25 | $1.2B | $3.4B | ||
| Q4 24 | $1.2B | $3.3B | ||
| Q3 24 | $1.2B | $3.3B | ||
| Q2 24 | $1.1B | $3.3B |
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $14.1B | ||
| Q3 25 | $6.0B | $13.9B | ||
| Q2 25 | $5.7B | $13.7B | ||
| Q1 25 | $5.5B | $14.2B | ||
| Q4 24 | $5.3B | $13.8B | ||
| Q3 24 | $5.0B | $14.1B | ||
| Q2 24 | $4.8B | $14.5B |
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 2.11× | ||
| Q3 25 | 3.20× | 2.14× | ||
| Q2 25 | 3.23× | 2.21× | ||
| Q1 25 | 3.14× | 2.53× | ||
| Q4 24 | 2.98× | 2.48× | ||
| Q3 24 | 2.79× | 2.72× | ||
| Q2 24 | 2.78× | 2.90× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | — | $137.6M |
| フリーキャッシュフロー営業CF - 設備投資 | — | $130.1M |
| FCFマージンFCF / 売上 | — | 121.5% |
| 設備投資強度設備投資 / 売上 | — | 7.0% |
| キャッシュ転換率営業CF / 純利益 | — | 2.38× |
| 直近12ヶ月FCF直近4四半期 | — | $396.7M |
8四半期トレンド — 暦四半期で整列
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $137.6M | ||
| Q3 25 | $481.8M | $112.4M | ||
| Q2 25 | $447.4M | $81.8M | ||
| Q1 25 | $391.1M | $91.2M | ||
| Q4 24 | $430.5M | $180.5M | ||
| Q3 24 | $398.6M | $137.0M | ||
| Q2 24 | $360.9M | $133.4M |
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $130.1M | ||
| Q3 25 | $470.5M | $100.8M | ||
| Q2 25 | $436.1M | $78.1M | ||
| Q1 25 | $378.3M | $87.8M | ||
| Q4 24 | $420.3M | $163.2M | ||
| Q3 24 | $387.6M | $132.6M | ||
| Q2 24 | $349.9M | $122.8M |
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 121.5% | ||
| Q3 25 | 58.6% | 118.2% | ||
| Q2 25 | 57.1% | 98.3% | ||
| Q1 25 | 50.7% | 106.1% | ||
| Q4 24 | 57.6% | 203.7% | ||
| Q3 24 | 56.2% | 183.8% | ||
| Q2 24 | 55.7% | 184.9% |
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 7.0% | ||
| Q3 25 | 1.4% | 13.7% | ||
| Q2 25 | 1.5% | 4.7% | ||
| Q1 25 | 1.7% | 4.1% | ||
| Q4 24 | 1.4% | 21.7% | ||
| Q3 24 | 1.6% | 6.2% | ||
| Q2 24 | 1.8% | 16.0% |
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 2.38× | ||
| Q3 25 | 6.00× | 1.05× | ||
| Q2 25 | 5.87× | 0.45× | ||
| Q1 25 | 5.36× | 1.10× | ||
| Q4 24 | 6.76× | 2.85× | ||
| Q3 24 | 9.18× | 57.39× | ||
| Q2 24 | 6.70× | 2.96× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
ENVA
セグメントデータなし
NNI
| Reinsurance Premiums Earned | $33.5M | 31% |
| Tuition Payment Plan Services | $32.2M | 30% |
| Private Education And Consumer Loan Servicing | $24.8M | 23% |
| Software Services | $11.4M | 11% |
| Solar Construction Revenue | $3.4M | 3% |
| Investment Advice | $1.4M | 1% |
