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Enova International, Inc.（ENVA）与Essex Property Trust（ESS）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Essex Property Trust的1.8倍（$875.1M vs $479.6M），Essex Property Trust净利率更高（17.9% vs 10.4%，领先7.5%），Enova International, Inc.同比增速更快（17.4% vs 5.5%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 6.0%）
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。
Essex Property Trust是一家公开上市的房地产投资信托企业，重点布局美国西海岸优质不动产市场，核心投资标的为加利福尼亚州及西雅图大都会区的公寓类物业，在长租公寓的投资、运营及管理领域拥有深厚的行业积累与资源优势。
ENVA vs ESS — 直观对比
营收规模更大
ENVA
是对方的1.8倍
$479.6M
营收增速更快
ENVA
高出11.8%
5.5%
净利率更高
ESS
高出7.5%
10.4%
两年增速更快
ENVA
近两年复合增速
6.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $479.6M |
| 净利润 | $91.1M | $85.7M |
| 毛利率 | — | 70.0% |
| 营业利润率 | 23.7% | 31.7% |
| 净利率 | 10.4% | 17.9% |
| 营收同比 | 17.4% | 5.5% |
| 净利润同比 | 24.9% | -71.6% |
| 每股收益（稀释后） | $3.46 | $1.24 |
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ENVAESS
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $479.6M | ||
| Q3 25 | $802.7M | $473.3M | ||
| Q2 25 | $764.0M | $469.8M | ||
| Q1 25 | $745.5M | $464.6M | ||
| Q4 24 | $729.6M | $454.5M | ||
| Q3 24 | $689.9M | $450.7M | ||
| Q2 24 | $628.4M | $442.4M |
净利润ENVAESS
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $85.7M | ||
| Q3 25 | $80.3M | $172.7M | ||
| Q2 25 | $76.1M | $231.5M | ||
| Q1 25 | $72.9M | $212.8M | ||
| Q4 24 | $63.7M | $301.7M | ||
| Q3 24 | $43.4M | $125.5M | ||
| Q2 24 | $53.9M | $99.0M |
毛利率ENVAESS
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 70.0% | ||
| Q3 25 | 57.4% | 69.2% | ||
| Q2 25 | 57.8% | 70.7% | ||
| Q1 25 | 57.2% | 69.6% | ||
| Q4 24 | 56.6% | 70.0% | ||
| Q3 24 | 58.0% | 69.5% | ||
| Q2 24 | 58.9% | 70.8% |
营业利润率ENVAESS
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 31.7% | ||
| Q3 25 | 24.5% | 44.5% | ||
| Q2 25 | 24.1% | 59.5% | ||
| Q1 25 | 23.1% | 55.3% | ||
| Q4 24 | 21.3% | 67.0% | ||
| Q3 24 | 22.3% | 28.6% | ||
| Q2 24 | 23.1% | 31.1% |
净利率ENVAESS
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 17.9% | ||
| Q3 25 | 10.0% | 36.5% | ||
| Q2 25 | 10.0% | 49.3% | ||
| Q1 25 | 9.8% | 45.8% | ||
| Q4 24 | 8.7% | 66.4% | ||
| Q3 24 | 6.3% | 27.8% | ||
| Q2 24 | 8.6% | 22.4% |
每股收益（稀释后）ENVAESS
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $1.24 | ||
| Q3 25 | $3.03 | $2.56 | ||
| Q2 25 | $2.86 | $3.44 | ||
| Q1 25 | $2.69 | $3.16 | ||
| Q4 24 | $2.29 | $4.00 | ||
| Q3 24 | $1.57 | $1.84 | ||
| Q2 24 | $1.93 | $1.45 |
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 | $76.2M |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $5.5B |
| 总资产 | $6.9B | $13.2B |
| 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ENVAESS
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $76.2M | ||
| Q3 25 | $53.6M | $66.0M | ||
| Q2 25 | $55.6M | $58.7M | ||
| Q1 25 | $55.5M | $98.7M | ||
| Q4 24 | $73.9M | $66.8M | ||
| Q3 24 | $67.5M | $71.3M | ||
| Q2 24 | $60.1M | $55.2M |
总债务ENVAESS
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | — | ||
| Q3 25 | $4.1B | $6.4B | ||
| Q2 25 | $4.0B | $6.4B | ||
| Q1 25 | $3.8B | $6.8B | ||
| Q4 24 | $3.6B | — | ||
| Q3 24 | $3.3B | $6.4B | ||
| Q2 24 | $3.2B | $6.2B |
股东权益ENVAESS
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $5.5B | ||
| Q3 25 | $1.3B | $5.6B | ||
| Q2 25 | $1.2B | $5.6B | ||
| Q1 25 | $1.2B | $5.6B | ||
| Q4 24 | $1.2B | $5.5B | ||
| Q3 24 | $1.2B | $5.4B | ||
| Q2 24 | $1.1B | $5.5B |
总资产ENVAESS
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $13.2B | ||
| Q3 25 | $6.0B | $13.2B | ||
| Q2 25 | $5.7B | $13.2B | ||
| Q1 25 | $5.5B | $13.2B | ||
| Q4 24 | $5.3B | $12.9B | ||
| Q3 24 | $5.0B | $12.6B | ||
| Q2 24 | $4.8B | $12.5B |
负债/权益比ENVAESS
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | — | ||
| Q3 25 | 3.20× | 1.15× | ||
| Q2 25 | 3.23× | 1.14× | ||
| Q1 25 | 3.14× | 1.22× | ||
| Q4 24 | 2.98× | — | ||
| Q3 24 | 2.79× | 1.18× | ||
| Q2 24 | 2.78× | 1.13× |
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 | — | $1.1B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 12.53× |
| 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ENVAESS
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $1.1B | ||
| Q3 25 | $481.8M | $342.6M | ||
| Q2 25 | $447.4M | $216.1M | ||
| Q1 25 | $391.1M | $281.5M | ||
| Q4 24 | $430.5M | $1.1B | ||
| Q3 24 | $398.6M | $316.2M | ||
| Q2 24 | $360.9M | $218.9M |
自由现金流ENVAESS
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | — | ||
| Q3 25 | $470.5M | — | ||
| Q2 25 | $436.1M | — | ||
| Q1 25 | $378.3M | — | ||
| Q4 24 | $420.3M | — | ||
| Q3 24 | $387.6M | — | ||
| Q2 24 | $349.9M | — |
自由现金流率ENVAESS
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | — | ||
| Q3 25 | 58.6% | — | ||
| Q2 25 | 57.1% | — | ||
| Q1 25 | 50.7% | — | ||
| Q4 24 | 57.6% | — | ||
| Q3 24 | 56.2% | — | ||
| Q2 24 | 55.7% | — |
资本支出强度ENVAESS
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 1.4% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 1.8% | — |
现金转化率ENVAESS
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 12.53× | ||
| Q3 25 | 6.00× | 1.98× | ||
| Q2 25 | 5.87× | 0.93× | ||
| Q1 25 | 5.36× | 1.32× | ||
| Q4 24 | 6.76× | 3.54× | ||
| Q3 24 | 9.18× | 2.52× | ||
| Q2 24 | 6.70× | 2.21× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
