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Enova International, Inc.（ENVA）与Lucid Group, Inc.（LCID）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Lucid Group, Inc.的1.7倍（$875.1M vs $522.7M），Enova International, Inc.净利率更高（10.4% vs -155.7%，领先166.1%），Lucid Group, Inc.同比增速更快（122.9% vs 17.4%），过去两年Lucid Group, Inc.的营收复合增速更高（74.0% 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。
Lucid Group, Inc.是总部位于美国加利福尼亚州纽瓦克的汽车科技企业，专注于电动汽车制造及先进电动汽车动力系统供应。2021年9月，公司在亚利桑那州卡萨格兰德的工厂开始生产Lucid Air豪华轿车，第二款车型Lucid Gravity SUV于2024年12月投产，同时也为阿斯顿·马丁等其他车企供应和研发动力总成技术。
ENVA vs LCID — 直观对比
营收规模更大
ENVA
是对方的1.7倍
$522.7M
营收增速更快
LCID
高出105.6%
17.4%
净利率更高
ENVA
高出166.1%
-155.7%
两年增速更快
LCID
近两年复合增速
18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $522.7M |
| 净利润 | $91.1M | $-814.0M |
| 毛利率 | — | -80.7% |
| 营业利润率 | 23.7% | -203.7% |
| 净利率 | 10.4% | -155.7% |
| 营收同比 | 17.4% | 122.9% |
| 净利润同比 | 24.9% | -104.9% |
| 每股收益（稀释后） | $3.46 | $-8.26 |
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ENVALCID
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $522.7M | ||
| Q3 25 | $802.7M | $336.6M | ||
| Q2 25 | $764.0M | $259.4M | ||
| Q1 25 | $745.5M | $235.0M | ||
| Q4 24 | $729.6M | $234.5M | ||
| Q3 24 | $689.9M | $200.0M | ||
| Q2 24 | $628.4M | $200.6M |
净利润ENVALCID
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $-814.0M | ||
| Q3 25 | $80.3M | $-978.4M | ||
| Q2 25 | $76.1M | $-539.4M | ||
| Q1 25 | $72.9M | $-366.2M | ||
| Q4 24 | $63.7M | $-397.2M | ||
| Q3 24 | $43.4M | $-992.5M | ||
| Q2 24 | $53.9M | $-643.4M |
毛利率ENVALCID
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | -80.7% | ||
| Q3 25 | 57.4% | -99.1% | ||
| Q2 25 | 57.8% | -105.0% | ||
| Q1 25 | 57.2% | -97.2% | ||
| Q4 24 | 56.6% | -89.0% | ||
| Q3 24 | 58.0% | -106.2% | ||
| Q2 24 | 58.9% | -134.5% |
营业利润率ENVALCID
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | -203.7% | ||
| Q3 25 | 24.5% | -279.9% | ||
| Q2 25 | 24.1% | -309.5% | ||
| Q1 25 | 23.1% | -294.4% | ||
| Q4 24 | 21.3% | -312.6% | ||
| Q3 24 | 22.3% | -385.2% | ||
| Q2 24 | 23.1% | -392.6% |
净利率ENVALCID
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | -155.7% | ||
| Q3 25 | 10.0% | -290.7% | ||
| Q2 25 | 10.0% | -207.9% | ||
| Q1 25 | 9.8% | -155.8% | ||
| Q4 24 | 8.7% | -169.4% | ||
| Q3 24 | 6.3% | -496.1% | ||
| Q2 24 | 8.6% | -320.8% |
每股收益（稀释后）ENVALCID
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $-8.26 | ||
| Q3 25 | $3.03 | $-3.31 | ||
| Q2 25 | $2.86 | $-0.28 | ||
| Q1 25 | $2.69 | $-0.24 | ||
| Q4 24 | $2.29 | $-0.20 | ||
| Q3 24 | $1.57 | $-0.41 | ||
| 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 | $1.6B |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $717.3M |
| 总资产 | $6.9B | $8.4B |
| 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ENVALCID
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $1.6B | ||
| Q3 25 | $53.6M | $2.3B | ||
| Q2 25 | $55.6M | $2.8B | ||
| Q1 25 | $55.5M | $3.6B | ||
| Q4 24 | $73.9M | $4.0B | ||
| Q3 24 | $67.5M | $3.5B | ||
| Q2 24 | $60.1M | $3.2B |
总债务ENVALCID
| 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ENVALCID
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $717.3M | ||
| Q3 25 | $1.3B | $1.8B | ||
| Q2 25 | $1.2B | $2.4B | ||
| Q1 25 | $1.2B | $3.2B | ||
| Q4 24 | $1.2B | $3.9B | ||
| Q3 24 | $1.2B | $2.7B | ||
| Q2 24 | $1.1B | $3.5B |
总资产ENVALCID
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $8.4B | ||
| Q3 25 | $6.0B | $8.8B | ||
| Q2 25 | $5.7B | $8.9B | ||
| Q1 25 | $5.5B | $9.2B | ||
| Q4 24 | $5.3B | $9.6B | ||
| Q3 24 | $5.0B | $8.5B | ||
| Q2 24 | $4.8B | $8.2B |
负债/权益比ENVALCID
| 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 | — | $-916.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.2B |
| 自由现金流率自由现金流/营收 | — | -237.6% |
| 资本支出强度资本支出/营收 | — | 62.3% |
| 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 | — | $-3.8B |
8季度趋势，按日历期对齐
经营现金流ENVALCID
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $-916.4M | ||
| Q3 25 | $481.8M | $-756.6M | ||
| Q2 25 | $447.4M | $-830.2M | ||
| Q1 25 | $391.1M | $-428.6M | ||
| Q4 24 | $430.5M | $-533.1M | ||
| Q3 24 | $398.6M | $-462.8M | ||
| Q2 24 | $360.9M | $-507.0M |
自由现金流ENVALCID
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $-1.2B | ||
| Q3 25 | $470.5M | $-955.5M | ||
| Q2 25 | $436.1M | $-1.0B | ||
| Q1 25 | $378.3M | $-589.9M | ||
| Q4 24 | $420.3M | $-824.8M | ||
| Q3 24 | $387.6M | $-622.5M | ||
| Q2 24 | $349.9M | $-741.3M |
自由现金流率ENVALCID
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | -237.6% | ||
| Q3 25 | 58.6% | -283.9% | ||
| Q2 25 | 57.1% | -390.4% | ||
| Q1 25 | 50.7% | -251.0% | ||
| Q4 24 | 57.6% | -351.8% | ||
| Q3 24 | 56.2% | -311.2% | ||
| Q2 24 | 55.7% | -369.6% |
资本支出强度ENVALCID
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 62.3% | ||
| Q3 25 | 1.4% | 59.1% | ||
| Q2 25 | 1.5% | 70.4% | ||
| Q1 25 | 1.7% | 68.6% | ||
| Q4 24 | 1.4% | 124.4% | ||
| Q3 24 | 1.6% | 79.8% | ||
| Q2 24 | 1.8% | 116.8% |
现金转化率ENVALCID
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | — | ||
| Q3 25 | 6.00× | — | ||
| Q2 25 | 5.87× | — | ||
| Q1 25 | 5.36× | — | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 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
业务分部营收拆解
ENVA
暂无分部数据
LCID
| LCNRV | $287.2M | 55% |
| Other | $80.4M | 15% |
| Related Party | $74.4M | 14% |
| Regulatory Credits | $34.2M | 7% |
| Warranty Provision | $26.2M | 5% |
| Sale And Leaseback Transactions | $15.2M | 3% |
| Other International | $5.0M | 1% |
