vs
CREDIT ACCEPTANCE CORP（CACC）与Enova International, Inc.（ENVA）财务数据对比。点击上方公司名可切换其他公司
Enova International, Inc.的季度营收约是CREDIT ACCEPTANCE CORP的1.5倍（$875.1M vs $579.9M）。CREDIT ACCEPTANCE CORP净利率更高（21.0% vs 10.4%，领先10.6%）。Enova International, Inc.同比增速更快（17.4% vs 2.5%）。过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 6.8%）
Credit Acceptance是一家汽车金融服务提供商，主要提供汽车贷款及相关金融产品。公司通过覆盖全国的合作汽车经销商网络开展业务，设有“投资组合计划”和“采购计划”两大业务项目，可向汽车经销商提供资金，以此换取对应消费者贷款的后续服务权利。
Enova International是一家全球金融科技企业，提供短期消费贷款、小微企业融资等线上金融服务，主要覆盖北美、南美及欧洲市场，依托先进数据分析技术评估用户信用，为传统金融覆盖不足的群体提供定制化金融产品。
CACC vs ENVA — 直观对比
营收规模更大
ENVA
是对方的1.5倍
$579.9M
营收增速更快
ENVA
高出14.9%
2.5%
净利率更高
CACC
高出10.6%
10.4%
两年增速更快
ENVA
近两年复合增速
6.8%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $875.1M |
| 净利润 | $122.0M | $91.1M |
| 毛利率 | — | — |
| 营业利润率 | 27.1% | 23.7% |
| 净利率 | 21.0% | 10.4% |
| 营收同比 | 2.5% | 17.4% |
| 净利润同比 | -19.7% | 24.9% |
| 每股收益（稀释后） | $10.87 | $3.46 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收CACCENVA
| Q1 26 | — | $875.1M | ||
| Q4 25 | $579.9M | $839.4M | ||
| Q3 25 | $582.4M | $802.7M | ||
| Q2 25 | $583.8M | $764.0M | ||
| Q1 25 | $571.1M | $745.5M | ||
| Q4 24 | $565.9M | $729.6M | ||
| Q3 24 | $550.3M | $689.9M | ||
| Q2 24 | $538.2M | $628.4M |
净利润CACCENVA
| Q1 26 | — | $91.1M | ||
| Q4 25 | $122.0M | $79.0M | ||
| Q3 25 | $108.2M | $80.3M | ||
| Q2 25 | $87.4M | $76.1M | ||
| Q1 25 | $106.3M | $72.9M | ||
| Q4 24 | $151.9M | $63.7M | ||
| Q3 24 | $78.8M | $43.4M | ||
| Q2 24 | $-47.1M | $53.9M |
毛利率CACCENVA
| Q1 26 | — | — | ||
| Q4 25 | — | 59.8% | ||
| Q3 25 | — | 57.4% | ||
| Q2 25 | — | 57.8% | ||
| Q1 25 | — | 57.2% | ||
| Q4 24 | — | 56.6% | ||
| Q3 24 | — | 58.0% | ||
| Q2 24 | — | 58.9% |
营业利润率CACCENVA
| Q1 26 | — | 23.7% | ||
| Q4 25 | 27.1% | 22.2% | ||
| Q3 25 | 25.6% | 24.5% | ||
| Q2 25 | 20.2% | 24.1% | ||
| Q1 25 | 24.8% | 23.1% | ||
| Q4 24 | 33.9% | 21.3% | ||
| Q3 24 | 19.4% | 22.3% | ||
| Q2 24 | -10.3% | 23.1% |
净利率CACCENVA
| Q1 26 | — | 10.4% | ||
| Q4 25 | 21.0% | 9.4% | ||
| Q3 25 | 18.6% | 10.0% | ||
| Q2 25 | 15.0% | 10.0% | ||
| Q1 25 | 18.6% | 9.8% | ||
| Q4 24 | 26.8% | 8.7% | ||
| Q3 24 | 14.3% | 6.3% | ||
| Q2 24 | -8.8% | 8.6% |
每股收益（稀释后）CACCENVA
| Q1 26 | — | $3.46 | ||
| Q4 25 | $10.87 | $2.94 | ||
| Q3 25 | $9.43 | $3.03 | ||
| Q2 25 | $7.42 | $2.86 | ||
| Q1 25 | $8.66 | $2.69 | ||
| Q4 24 | $12.28 | $2.29 | ||
| Q3 24 | $6.35 | $1.57 | ||
| Q2 24 | $-3.83 | $1.93 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $22.8M | $96.1M |
| 总债务越低越好 | — | $4.8B |
| 股东权益账面价值 | $1.5B | — |
| 总资产 | $8.6B | $6.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CACCENVA
| Q1 26 | — | $96.1M | ||
| Q4 25 | $22.8M | $71.7M | ||
| Q3 25 | $15.9M | $53.6M | ||
| Q2 25 | $70.0M | $55.6M | ||
| Q1 25 | $528.8M | $55.5M | ||
| Q4 24 | $343.7M | $73.9M | ||
| Q3 24 | $159.7M | $67.5M | ||
| Q2 24 | $8.3M | $60.1M |
总债务CACCENVA
| Q1 26 | — | $4.8B | ||
| Q4 25 | — | $4.5B | ||
| Q3 25 | — | $4.1B | ||
| Q2 25 | — | $4.0B | ||
| Q1 25 | — | $3.8B | ||
| Q4 24 | — | $3.6B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $3.2B |
股东权益CACCENVA
| Q1 26 | — | — | ||
| Q4 25 | $1.5B | $1.3B | ||
| Q3 25 | $1.6B | $1.3B | ||
| Q2 25 | $1.6B | $1.2B | ||
| Q1 25 | $1.7B | $1.2B | ||
| Q4 24 | $1.7B | $1.2B | ||
| Q3 24 | $1.6B | $1.2B | ||
| Q2 24 | $1.6B | $1.1B |
总资产CACCENVA
| Q1 26 | — | $6.9B | ||
| Q4 25 | $8.6B | $6.5B | ||
| Q3 25 | $8.6B | $6.0B | ||
| Q2 25 | $8.7B | $5.7B | ||
| Q1 25 | $9.3B | $5.5B | ||
| Q4 24 | $8.9B | $5.3B | ||
| Q3 24 | $8.7B | $5.0B | ||
| Q2 24 | $8.3B | $4.8B |
负债/权益比CACCENVA
| Q1 26 | — | — | ||
| Q4 25 | — | 3.37× | ||
| Q3 25 | — | 3.20× | ||
| Q2 25 | — | 3.23× | ||
| Q1 25 | — | 3.14× | ||
| Q4 24 | — | 2.98× | ||
| Q3 24 | — | 2.79× | ||
| Q2 24 | — | 2.78× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $269.3M | — |
| 自由现金流经营现金流 - 资本支出 | $268.9M | — |
| 自由现金流率自由现金流/营收 | 46.4% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | 2.21× | — |
| 过去12个月自由现金流最近4个季度 | $1.1B | — |
8季度趋势，按日历期对齐
经营现金流CACCENVA
| Q1 26 | — | — | ||
| Q4 25 | $269.3M | $498.8M | ||
| Q3 25 | $299.4M | $481.8M | ||
| Q2 25 | $139.7M | $447.4M | ||
| Q1 25 | $346.2M | $391.1M | ||
| Q4 24 | $306.2M | $430.5M | ||
| Q3 24 | $317.7M | $398.6M | ||
| Q2 24 | $204.0M | $360.9M |
自由现金流CACCENVA
| Q1 26 | — | — | ||
| Q4 25 | $268.9M | $487.1M | ||
| Q3 25 | $298.8M | $470.5M | ||
| Q2 25 | $139.4M | $436.1M | ||
| Q1 25 | $345.9M | $378.3M | ||
| Q4 24 | $305.5M | $420.3M | ||
| Q3 24 | $317.3M | $387.6M | ||
| Q2 24 | $203.6M | $349.9M |
自由现金流率CACCENVA
| Q1 26 | — | — | ||
| Q4 25 | 46.4% | 58.0% | ||
| Q3 25 | 51.3% | 58.6% | ||
| Q2 25 | 23.9% | 57.1% | ||
| Q1 25 | 60.6% | 50.7% | ||
| Q4 24 | 54.0% | 57.6% | ||
| Q3 24 | 57.7% | 56.2% | ||
| Q2 24 | 37.8% | 55.7% |
资本支出强度CACCENVA
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 1.4% | ||
| Q3 25 | 0.1% | 1.4% | ||
| Q2 25 | 0.1% | 1.5% | ||
| Q1 25 | 0.1% | 1.7% | ||
| Q4 24 | 0.1% | 1.4% | ||
| Q3 24 | 0.1% | 1.6% | ||
| Q2 24 | 0.1% | 1.8% |
现金转化率CACCENVA
| Q1 26 | — | — | ||
| Q4 25 | 2.21× | 6.32× | ||
| Q3 25 | 2.77× | 6.00× | ||
| Q2 25 | 1.60× | 5.87× | ||
| Q1 25 | 3.26× | 5.36× | ||
| Q4 24 | 2.02× | 6.76× | ||
| Q3 24 | 4.03× | 9.18× | ||
| Q2 24 | — | 6.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
