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Enova International, Inc.（ENVA）与LendingClub Corp（LC）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LendingClub Corp的3.3倍（$875.1M vs $266.5M）。LendingClub Corp同比增速更快（22.7% vs 17.4%）。过去两年LendingClub Corp的营收复合增速更高（21.4% vs 18.0%）
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。
LendingClub Corp是总部位于美国加利福尼亚州旧金山的金融服务企业，是全球首家将旗下产品作为证券完成注册的P2P借贷平台，同时支持贷款在二级市场交易。巅峰时期它是全球规模最大的P2P借贷平台，截至2015年12月31日，平台累计促成贷款发放额达159.8亿美元。
ENVA vs LC — 直观对比
营收规模更大
ENVA
是对方的3.3倍
$266.5M
营收增速更快
LC
高出5.3%
17.4%
两年增速更快
LC
近两年复合增速
18.0%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $266.5M |
| 净利润 | $91.1M | — |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | 18.8% |
| 净利率 | 10.4% | — |
| 营收同比 | 17.4% | 22.7% |
| 净利润同比 | 24.9% | — |
| 每股收益（稀释后） | $3.46 | $0.36 |
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ENVALC
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $266.5M | ||
| Q3 25 | $802.7M | $266.2M | ||
| Q2 25 | $764.0M | $248.4M | ||
| Q1 25 | $745.5M | $217.7M | ||
| Q4 24 | $729.6M | $217.2M | ||
| Q3 24 | $689.9M | $201.9M | ||
| Q2 24 | $628.4M | $187.2M |
净利润ENVALC
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | — | ||
| Q3 25 | $80.3M | $44.3M | ||
| Q2 25 | $76.1M | $38.2M | ||
| Q1 25 | $72.9M | $11.7M | ||
| Q4 24 | $63.7M | — | ||
| Q3 24 | $43.4M | $14.5M | ||
| Q2 24 | $53.9M | $14.9M |
毛利率ENVALC
| 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ENVALC
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 18.8% | ||
| Q3 25 | 24.5% | 21.5% | ||
| Q2 25 | 24.1% | 21.7% | ||
| Q1 25 | 23.1% | 7.2% | ||
| Q4 24 | 21.3% | 5.1% | ||
| Q3 24 | 22.3% | 8.9% | ||
| Q2 24 | 23.1% | 10.4% |
净利率ENVALC
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | — | ||
| Q3 25 | 10.0% | 16.6% | ||
| Q2 25 | 10.0% | 15.4% | ||
| Q1 25 | 9.8% | 5.4% | ||
| Q4 24 | 8.7% | — | ||
| Q3 24 | 6.3% | 7.2% | ||
| Q2 24 | 8.6% | 8.0% |
每股收益（稀释后）ENVALC
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.36 | ||
| Q3 25 | $3.03 | $0.37 | ||
| Q2 25 | $2.86 | $0.33 | ||
| Q1 25 | $2.69 | $0.10 | ||
| Q4 24 | $2.29 | $0.08 | ||
| Q3 24 | $1.57 | $0.13 | ||
| Q2 24 | $1.93 | $0.13 |
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 | — |
| 总债务越低越好 | $4.8B | $0 |
| 股东权益账面价值 | — | $1.5B |
| 总资产 | $6.9B | $11.6B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资ENVALC
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | — | ||
| Q3 25 | $53.6M | — | ||
| Q2 25 | $55.6M | — | ||
| Q1 25 | $55.5M | — | ||
| Q4 24 | $73.9M | — | ||
| Q3 24 | $67.5M | — | ||
| Q2 24 | $60.1M | — |
总债务ENVALC
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $0 | ||
| Q3 25 | $4.1B | $0 | ||
| Q2 25 | $4.0B | $0 | ||
| Q1 25 | $3.8B | $0 | ||
| Q4 24 | $3.6B | $0 | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $3.2B | — |
股东权益ENVALC
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $1.5B | ||
| Q3 25 | $1.3B | $1.5B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.3B | ||
| Q2 24 | $1.1B | $1.3B |
总资产ENVALC
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $11.6B | ||
| Q3 25 | $6.0B | $11.1B | ||
| Q2 25 | $5.7B | $10.8B | ||
| Q1 25 | $5.5B | $10.5B | ||
| Q4 24 | $5.3B | $10.6B | ||
| Q3 24 | $5.0B | $11.0B | ||
| Q2 24 | $4.8B | $9.6B |
负债/权益比ENVALC
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.00× | ||
| Q3 25 | 3.20× | 0.00× | ||
| Q2 25 | 3.23× | 0.00× | ||
| Q1 25 | 3.14× | 0.00× | ||
| Q4 24 | 2.98× | 0.00× | ||
| 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 | — | $-903.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-919.3M |
| 自由现金流率自由现金流/营收 | — | -345.0% |
| 资本支出强度资本支出/营收 | — | 5.8% |
| 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 | — | $-2.9B |
8季度趋势，按日历期对齐
经营现金流ENVALC
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $-903.8M | ||
| Q3 25 | $481.8M | $-770.8M | ||
| Q2 25 | $447.4M | $-713.1M | ||
| Q1 25 | $391.1M | $-339.3M | ||
| Q4 24 | $430.5M | $-185.4M | ||
| Q3 24 | $398.6M | $-669.8M | ||
| Q2 24 | $360.9M | $-932.5M |
自由现金流ENVALC
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $-919.3M | ||
| Q3 25 | $470.5M | $-791.8M | ||
| Q2 25 | $436.1M | $-803.8M | ||
| Q1 25 | $378.3M | $-352.3M | ||
| Q4 24 | $420.3M | $-202.6M | ||
| Q3 24 | $387.6M | $-682.3M | ||
| Q2 24 | $349.9M | $-945.3M |
自由现金流率ENVALC
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | -345.0% | ||
| Q3 25 | 58.6% | -297.4% | ||
| Q2 25 | 57.1% | -323.5% | ||
| Q1 25 | 50.7% | -161.8% | ||
| Q4 24 | 57.6% | -93.3% | ||
| Q3 24 | 56.2% | -338.0% | ||
| Q2 24 | 55.7% | -504.9% |
资本支出强度ENVALC
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 5.8% | ||
| Q3 25 | 1.4% | 7.9% | ||
| Q2 25 | 1.5% | 36.5% | ||
| Q1 25 | 1.7% | 6.0% | ||
| Q4 24 | 1.4% | 7.9% | ||
| Q3 24 | 1.6% | 6.2% | ||
| Q2 24 | 1.8% | 6.9% |
现金转化率ENVALC
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | — | ||
| Q3 25 | 6.00× | -17.41× | ||
| Q2 25 | 5.87× | -18.68× | ||
| Q1 25 | 5.36× | -29.07× | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 9.18× | -46.33× | ||
| Q2 24 | 6.70× | -62.57× |
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
LC
| Lending Club Bank | $162.8M | 61% |
| Other | $82.3M | 31% |
| Servicing Fees | $12.8M | 5% |
| Lending Club Corporation | $8.5M | 3% |
