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Enova International, Inc.（ENVA）与Element Solutions Inc（ESI）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Element Solutions Inc的1.0倍（$875.1M vs $840.0M），Enova International, Inc.净利率更高（10.4% vs 6.7%，领先3.7%），Element Solutions Inc同比增速更快（41.0% vs 17.4%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 17.1%）
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。
Element Solutions Inc是一家总部位于美国的特种化学品生产企业，专注于特种化学品领域的生产运营，于纽约证券交易所挂牌上市，业务覆盖全球多个市场，为各行业客户提供专业的特种化学品产品及相关解决方案。
ENVA vs ESI — 直观对比
营收规模更大
ENVA
是对方的1.0倍
$840.0M
营收增速更快
ESI
高出23.6%
17.4%
净利率更高
ENVA
高出3.7%
6.7%
两年增速更快
ENVA
近两年复合增速
17.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $840.0M |
| 净利润 | $91.1M | $56.0M |
| 毛利率 | — | 38.4% |
| 营业利润率 | 23.7% | 13.3% |
| 净利率 | 10.4% | 6.7% |
| 营收同比 | 17.4% | 41.0% |
| 净利润同比 | 24.9% | -42.9% |
| 每股收益（稀释后） | $3.46 | $0.23 |
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ENVAESI
| Q1 26 | $875.1M | $840.0M | ||
| Q4 25 | $839.4M | $676.2M | ||
| Q3 25 | $802.7M | $656.1M | ||
| Q2 25 | $764.0M | $625.2M | ||
| Q1 25 | $745.5M | $593.7M | ||
| Q4 24 | $729.6M | $624.2M | ||
| Q3 24 | $689.9M | $645.0M | ||
| Q2 24 | $628.4M | $612.7M |
净利润ENVAESI
| Q1 26 | $91.1M | $56.0M | ||
| Q4 25 | $79.0M | $6.2M | ||
| Q3 25 | $80.3M | $39.3M | ||
| Q2 25 | $76.1M | $47.4M | ||
| Q1 25 | $72.9M | $98.0M | ||
| Q4 24 | $63.7M | $54.7M | ||
| Q3 24 | $43.4M | $40.3M | ||
| Q2 24 | $53.9M | $93.2M |
毛利率ENVAESI
| Q1 26 | — | 38.4% | ||
| Q4 25 | 59.8% | 40.9% | ||
| Q3 25 | 57.4% | 42.2% | ||
| Q2 25 | 57.8% | 42.6% | ||
| Q1 25 | 57.2% | 42.2% | ||
| Q4 24 | 56.6% | 41.0% | ||
| Q3 24 | 58.0% | 41.5% | ||
| Q2 24 | 58.9% | 43.6% |
营业利润率ENVAESI
| Q1 26 | 23.7% | 13.3% | ||
| Q4 25 | 22.2% | 10.3% | ||
| Q3 25 | 24.5% | 15.4% | ||
| Q2 25 | 24.1% | 15.1% | ||
| Q1 25 | 23.1% | 13.0% | ||
| Q4 24 | 21.3% | 12.0% | ||
| Q3 24 | 22.3% | 14.7% | ||
| Q2 24 | 23.1% | 15.7% |
净利率ENVAESI
| Q1 26 | 10.4% | 6.7% | ||
| Q4 25 | 9.4% | 0.9% | ||
| Q3 25 | 10.0% | 6.0% | ||
| Q2 25 | 10.0% | 7.6% | ||
| Q1 25 | 9.8% | 16.5% | ||
| Q4 24 | 8.7% | 8.8% | ||
| Q3 24 | 6.3% | 6.2% | ||
| Q2 24 | 8.6% | 15.2% |
每股收益（稀释后）ENVAESI
| Q1 26 | $3.46 | $0.23 | ||
| Q4 25 | $2.94 | $0.03 | ||
| Q3 25 | $3.03 | $0.16 | ||
| Q2 25 | $2.86 | $0.20 | ||
| Q1 25 | $2.69 | $0.40 | ||
| Q4 24 | $2.29 | $0.22 | ||
| Q3 24 | $1.57 | $0.17 | ||
| Q2 24 | $1.93 | $0.39 |
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 | $96.1M | $177.3M |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $2.7B |
| 总资产 | $6.9B | $5.7B |
| 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ENVAESI
| Q1 26 | $96.1M | $177.3M | ||
| Q4 25 | $71.7M | $626.5M | ||
| Q3 25 | $53.6M | $594.3M | ||
| Q2 25 | $55.6M | $529.9M | ||
| Q1 25 | $55.5M | $499.2M | ||
| Q4 24 | $73.9M | $359.4M | ||
| Q3 24 | $67.5M | $376.0M | ||
| Q2 24 | $60.1M | $309.3M |
总债务ENVAESI
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $1.6B | ||
| Q3 25 | $4.1B | $1.6B | ||
| Q2 25 | $4.0B | $1.6B | ||
| Q1 25 | $3.8B | $1.6B | ||
| Q4 24 | $3.6B | $1.8B | ||
| Q3 24 | $3.3B | $1.9B | ||
| Q2 24 | $3.2B | $1.9B |
股东权益ENVAESI
| Q1 26 | — | $2.7B | ||
| Q4 25 | $1.3B | $2.7B | ||
| Q3 25 | $1.3B | $2.7B | ||
| Q2 25 | $1.2B | $2.6B | ||
| Q1 25 | $1.2B | $2.5B | ||
| Q4 24 | $1.2B | $2.4B | ||
| Q3 24 | $1.2B | $2.4B | ||
| Q2 24 | $1.1B | $2.4B |
总资产ENVAESI
| Q1 26 | $6.9B | $5.7B | ||
| Q4 25 | $6.5B | $5.1B | ||
| Q3 25 | $6.0B | $5.0B | ||
| Q2 25 | $5.7B | $5.0B | ||
| Q1 25 | $5.5B | $4.8B | ||
| Q4 24 | $5.3B | $4.9B | ||
| Q3 24 | $5.0B | $5.1B | ||
| Q2 24 | $4.8B | $5.0B |
负债/权益比ENVAESI
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.61× | ||
| Q3 25 | 3.20× | 0.61× | ||
| Q2 25 | 3.23× | 0.62× | ||
| Q1 25 | 3.14× | 0.64× | ||
| Q4 24 | 2.98× | 0.76× | ||
| Q3 24 | 2.79× | 0.78× | ||
| Q2 24 | 2.78× | 0.81× |
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 | — | — |
| 自由现金流经营现金流 - 资本支出 | — | $-74.2M |
| 自由现金流率自由现金流/营收 | — | -8.8% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ENVAESI
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | — | ||
| Q3 25 | $481.8M | $100.1M | ||
| Q2 25 | $447.4M | — | ||
| Q1 25 | $391.1M | $26.0M | ||
| Q4 24 | $430.5M | — | ||
| Q3 24 | $398.6M | $98.5M | ||
| Q2 24 | $360.9M | — |
自由现金流ENVAESI
| Q1 26 | — | $-74.2M | ||
| Q4 25 | $487.1M | — | ||
| Q3 25 | $470.5M | $83.6M | ||
| Q2 25 | $436.1M | — | ||
| Q1 25 | $378.3M | $15.0M | ||
| Q4 24 | $420.3M | — | ||
| Q3 24 | $387.6M | $85.9M | ||
| Q2 24 | $349.9M | — |
自由现金流率ENVAESI
| Q1 26 | — | -8.8% | ||
| Q4 25 | 58.0% | — | ||
| Q3 25 | 58.6% | 12.7% | ||
| Q2 25 | 57.1% | — | ||
| Q1 25 | 50.7% | 2.5% | ||
| Q4 24 | 57.6% | — | ||
| Q3 24 | 56.2% | 13.3% | ||
| Q2 24 | 55.7% | — |
资本支出强度ENVAESI
| Q1 26 | — | 3.0% | ||
| Q4 25 | 1.4% | 2.5% | ||
| Q3 25 | 1.4% | 2.5% | ||
| Q2 25 | 1.5% | 2.8% | ||
| Q1 25 | 1.7% | 1.9% | ||
| Q4 24 | 1.4% | 3.6% | ||
| Q3 24 | 1.6% | 2.0% | ||
| Q2 24 | 1.8% | 2.4% |
现金转化率ENVAESI
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | — | ||
| Q3 25 | 6.00× | 2.55× | ||
| Q2 25 | 5.87× | — | ||
| Q1 25 | 5.36× | 0.27× | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 9.18× | 2.44× | ||
| 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
业务分部营收拆解
ENVA
暂无分部数据
ESI
| Electronics ex-Metals | $377.8M | 45% |
| Pass-through Metals | $255.7M | 30% |
| Other | $206.5M | 25% |
