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Enova International, Inc.（ENVA）与Host Hotels & Resorts（HST）财务数据对比。点击上方公司名可切换其他公司
Host Hotels & Resorts的季度营收约是Enova International, Inc.的1.8倍（$1.6B vs $875.1M），Enova International, Inc.净利率更高（10.4% vs 8.4%，领先2.0%），Enova International, Inc.同比增速更快（17.4% vs 12.3%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 4.4%）
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。
Host Hotels & Resorts是总部位于美国马里兰州贝塞斯达的房地产投资信托企业，专注于高端酒店资产投资。截至2024年12月31日，公司在美国、巴西、加拿大共持有81家高端酒店，总客房数约4.34万间，是全球知名的酒店不动产投资机构。
ENVA vs HST — 直观对比
营收规模更大
HST
是对方的1.8倍
$875.1M
营收增速更快
ENVA
高出5.1%
12.3%
净利率更高
ENVA
高出2.0%
8.4%
两年增速更快
ENVA
近两年复合增速
4.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.6B |
| 净利润 | $91.1M | $135.0M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | 12.0% |
| 净利率 | 10.4% | 8.4% |
| 营收同比 | 17.4% | 12.3% |
| 净利润同比 | 24.9% | 25.0% |
| 每股收益（稀释后） | $3.46 | $0.20 |
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ENVAHST
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.6B | ||
| Q3 25 | $802.7M | $1.3B | ||
| Q2 25 | $764.0M | $1.6B | ||
| Q1 25 | $745.5M | $1.6B | ||
| Q4 24 | $729.6M | $1.4B | ||
| Q3 24 | $689.9M | $1.3B | ||
| Q2 24 | $628.4M | $1.5B |
净利润ENVAHST
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $135.0M | ||
| Q3 25 | $80.3M | $161.0M | ||
| Q2 25 | $76.1M | $221.0M | ||
| Q1 25 | $72.9M | $248.0M | ||
| Q4 24 | $63.7M | $108.0M | ||
| Q3 24 | $43.4M | $82.0M | ||
| Q2 24 | $53.9M | $239.0M |
毛利率ENVAHST
| 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ENVAHST
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 12.0% | ||
| Q3 25 | 24.5% | 7.6% | ||
| Q2 25 | 24.1% | 17.5% | ||
| Q1 25 | 23.1% | 17.9% | ||
| Q4 24 | 21.3% | 11.0% | ||
| Q3 24 | 22.3% | 10.2% | ||
| Q2 24 | 23.1% | 19.9% |
净利率ENVAHST
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 8.4% | ||
| Q3 25 | 10.0% | 12.1% | ||
| Q2 25 | 10.0% | 13.9% | ||
| Q1 25 | 9.8% | 15.6% | ||
| Q4 24 | 8.7% | 7.6% | ||
| Q3 24 | 6.3% | 6.2% | ||
| Q2 24 | 8.6% | 16.3% |
每股收益（稀释后）ENVAHST
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.20 | ||
| Q3 25 | $3.03 | $0.23 | ||
| Q2 25 | $2.86 | $0.32 | ||
| Q1 25 | $2.69 | $0.35 | ||
| Q4 24 | $2.29 | $0.15 | ||
| Q3 24 | $1.57 | $0.12 | ||
| Q2 24 | $1.93 | $0.34 |
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 | $768.0M |
| 总债务越低越好 | $4.8B | $1.3B |
| 股东权益账面价值 | — | $6.6B |
| 总资产 | $6.9B | $13.0B |
| 负债/权益比越低杠杆越低 | — | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资ENVAHST
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $768.0M | ||
| Q3 25 | $53.6M | $539.0M | ||
| Q2 25 | $55.6M | $490.0M | ||
| Q1 25 | $55.5M | $428.0M | ||
| Q4 24 | $73.9M | $554.0M | ||
| Q3 24 | $67.5M | $564.0M | ||
| Q2 24 | $60.1M | $805.0M |
总债务ENVAHST
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $1.3B | ||
| Q3 25 | $4.1B | — | ||
| Q2 25 | $4.0B | — | ||
| Q1 25 | $3.8B | — | ||
| Q4 24 | $3.6B | $896.0M | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $3.2B | — |
股东权益ENVAHST
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $6.6B | ||
| Q3 25 | $1.3B | $6.7B | ||
| Q2 25 | $1.2B | $6.6B | ||
| Q1 25 | $1.2B | $6.7B | ||
| Q4 24 | $1.2B | $6.6B | ||
| Q3 24 | $1.2B | $6.7B | ||
| Q2 24 | $1.1B | $6.8B |
总资产ENVAHST
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $13.0B | ||
| Q3 25 | $6.0B | $13.0B | ||
| Q2 25 | $5.7B | $13.0B | ||
| Q1 25 | $5.5B | $12.9B | ||
| Q4 24 | $5.3B | $13.0B | ||
| Q3 24 | $5.0B | $13.1B | ||
| Q2 24 | $4.8B | $12.4B |
负债/权益比ENVAHST
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.19× | ||
| Q3 25 | 3.20× | — | ||
| Q2 25 | 3.23× | — | ||
| Q1 25 | 3.14× | — | ||
| Q4 24 | 2.98× | 0.14× | ||
| 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 | — | $543.0M |
| 自由现金流经营现金流 - 资本支出 | — | $445.0M |
| 自由现金流率自由现金流/营收 | — | 27.8% |
| 资本支出强度资本支出/营收 | — | 6.1% |
| 现金转化率经营现金流/净利润 | — | 4.02× |
| 过去12个月自由现金流最近4个季度 | — | $1.2B |
8季度趋势，按日历期对齐
经营现金流ENVAHST
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $543.0M | ||
| Q3 25 | $481.8M | $218.0M | ||
| Q2 25 | $447.4M | $444.0M | ||
| Q1 25 | $391.1M | $305.0M | ||
| Q4 24 | $430.5M | $331.0M | ||
| Q3 24 | $398.6M | $349.0M | ||
| Q2 24 | $360.9M | $453.0M |
自由现金流ENVAHST
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $445.0M | ||
| Q3 25 | $470.5M | $143.0M | ||
| Q2 25 | $436.1M | $381.0M | ||
| Q1 25 | $378.3M | $259.0M | ||
| Q4 24 | $420.3M | $235.0M | ||
| Q3 24 | $387.6M | $262.0M | ||
| Q2 24 | $349.9M | $409.0M |
自由现金流率ENVAHST
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 27.8% | ||
| Q3 25 | 58.6% | 10.7% | ||
| Q2 25 | 57.1% | 24.0% | ||
| Q1 25 | 50.7% | 16.2% | ||
| Q4 24 | 57.6% | 16.5% | ||
| Q3 24 | 56.2% | 19.9% | ||
| Q2 24 | 55.7% | 27.9% |
资本支出强度ENVAHST
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 6.1% | ||
| Q3 25 | 1.4% | 5.6% | ||
| Q2 25 | 1.5% | 4.0% | ||
| Q1 25 | 1.7% | 2.9% | ||
| Q4 24 | 1.4% | 6.7% | ||
| Q3 24 | 1.6% | 6.6% | ||
| Q2 24 | 1.8% | 3.0% |
现金转化率ENVAHST
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 4.02× | ||
| Q3 25 | 6.00× | 1.35× | ||
| Q2 25 | 5.87× | 2.01× | ||
| Q1 25 | 5.36× | 1.23× | ||
| Q4 24 | 6.76× | 3.06× | ||
| Q3 24 | 9.18× | 4.26× | ||
| Q2 24 | 6.70× | 1.90× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
