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Enova International, Inc.（ENVA）与雷诺士国际（LII）财务数据对比。点击上方公司名可切换其他公司
雷诺士国际的季度营收约是Enova International, Inc.的1.4倍（$1.2B vs $875.1M），雷诺士国际净利率更高（13.6% vs 10.4%，领先3.2%），Enova International, Inc.同比增速更快（17.4% vs -11.2%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 6.8%）
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。
雷诺士国际是美国知名的暖通空调（HVAC）及制冷领域气候控制产品供应商，总部位于得克萨斯州理查森。公司在墨西哥萨尔蒂约、美国爱荷华州马歇尔敦、南卡罗来纳州奥兰治堡设有核心生产基地，1904年收购公司的诺里斯家族后裔约翰·W·诺里斯三世持有其9.8%的股份。
ENVA vs LII — 直观对比
营收规模更大
LII
是对方的1.4倍
$875.1M
营收增速更快
ENVA
高出28.5%
-11.2%
净利率更高
LII
高出3.2%
10.4%
两年增速更快
ENVA
近两年复合增速
6.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.2B |
| 净利润 | $91.1M | $162.1M |
| 毛利率 | — | 34.7% |
| 营业利润率 | 23.7% | 18.6% |
| 净利率 | 10.4% | 13.6% |
| 营收同比 | 17.4% | -11.2% |
| 净利润同比 | 24.9% | -18.0% |
| 每股收益（稀释后） | $3.46 | $4.62 |
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ENVALII
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.2B | ||
| Q3 25 | $802.7M | $1.4B | ||
| Q2 25 | $764.0M | $1.5B | ||
| Q1 25 | $745.5M | $1.1B | ||
| Q4 24 | $729.6M | $1.3B | ||
| Q3 24 | $689.9M | $1.5B | ||
| Q2 24 | $628.4M | $1.5B |
净利润ENVALII
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $162.1M | ||
| Q3 25 | $80.3M | $245.8M | ||
| Q2 25 | $76.1M | $277.6M | ||
| Q1 25 | $72.9M | $120.3M | ||
| Q4 24 | $63.7M | $197.7M | ||
| Q3 24 | $43.4M | $239.0M | ||
| Q2 24 | $53.9M | $245.9M |
毛利率ENVALII
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 34.7% | ||
| Q3 25 | 57.4% | 32.8% | ||
| Q2 25 | 57.8% | 34.8% | ||
| Q1 25 | 57.2% | 30.6% | ||
| Q4 24 | 56.6% | 33.9% | ||
| Q3 24 | 58.0% | 32.6% | ||
| Q2 24 | 58.9% | 33.6% |
营业利润率ENVALII
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 18.6% | ||
| Q3 25 | 24.5% | 21.7% | ||
| Q2 25 | 24.1% | 23.6% | ||
| Q1 25 | 23.1% | 14.5% | ||
| Q4 24 | 21.3% | 18.2% | ||
| Q3 24 | 22.3% | 20.2% | ||
| Q2 24 | 23.1% | 22.1% |
净利率ENVALII
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 13.6% | ||
| Q3 25 | 10.0% | 17.2% | ||
| Q2 25 | 10.0% | 18.5% | ||
| Q1 25 | 9.8% | 11.2% | ||
| Q4 24 | 8.7% | 14.7% | ||
| Q3 24 | 6.3% | 16.0% | ||
| Q2 24 | 8.6% | 16.9% |
每股收益（稀释后）ENVALII
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $4.62 | ||
| Q3 25 | $3.03 | $6.98 | ||
| Q2 25 | $2.86 | $7.82 | ||
| Q1 25 | $2.69 | $3.37 | ||
| Q4 24 | $2.29 | $5.52 | ||
| Q3 24 | $1.57 | $6.68 | ||
| Q2 24 | $1.93 | $6.87 |
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 | $34.7M |
| 总债务越低越好 | $4.8B | $1.1B |
| 股东权益账面价值 | — | $1.2B |
| 总资产 | $6.9B | $4.1B |
| 负债/权益比越低杠杆越低 | — | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资ENVALII
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $34.7M | ||
| Q3 25 | $53.6M | $59.2M | ||
| Q2 25 | $55.6M | $55.1M | ||
| Q1 25 | $55.5M | $222.9M | ||
| Q4 24 | $73.9M | $422.3M | ||
| Q3 24 | $67.5M | $255.7M | ||
| Q2 24 | $60.1M | $57.8M |
总债务ENVALII
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $1.1B | ||
| Q3 25 | $4.1B | $838.2M | ||
| Q2 25 | $4.0B | $835.7M | ||
| Q1 25 | $3.8B | $834.2M | ||
| Q4 24 | $3.6B | $833.1M | ||
| Q3 24 | $3.3B | $827.6M | ||
| Q2 24 | $3.2B | $1.1B |
股东权益ENVALII
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $1.2B | ||
| Q3 25 | $1.3B | $1.1B | ||
| Q2 25 | $1.2B | $900.5M | ||
| Q1 25 | $1.2B | $852.5M | ||
| Q4 24 | $1.2B | $850.2M | ||
| Q3 24 | $1.2B | $754.0M | ||
| Q2 24 | $1.1B | $577.4M |
总资产ENVALII
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $4.1B | ||
| Q3 25 | $6.0B | $3.5B | ||
| Q2 25 | $5.7B | $3.7B | ||
| Q1 25 | $5.5B | $3.5B | ||
| Q4 24 | $5.3B | $3.5B | ||
| Q3 24 | $5.0B | $3.3B | ||
| Q2 24 | $4.8B | $3.2B |
负债/权益比ENVALII
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.98× | ||
| Q3 25 | 3.20× | 0.78× | ||
| Q2 25 | 3.23× | 0.93× | ||
| Q1 25 | 3.14× | 0.98× | ||
| Q4 24 | 2.98× | 0.98× | ||
| Q3 24 | 2.79× | 1.10× | ||
| Q2 24 | 2.78× | 1.95× |
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 | — | $405.9M |
| 自由现金流经营现金流 - 资本支出 | — | $376.7M |
| 自由现金流率自由现金流/营收 | — | 31.5% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | — | 2.50× |
| 过去12个月自由现金流最近4个季度 | — | $638.8M |
8季度趋势，按日历期对齐
经营现金流ENVALII
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $405.9M | ||
| Q3 25 | $481.8M | $300.7M | ||
| Q2 25 | $447.4M | $86.8M | ||
| Q1 25 | $391.1M | $-35.8M | ||
| Q4 24 | $430.5M | $332.4M | ||
| Q3 24 | $398.6M | $452.1M | ||
| Q2 24 | $360.9M | $184.0M |
自由现金流ENVALII
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $376.7M | ||
| Q3 25 | $470.5M | $265.1M | ||
| Q2 25 | $436.1M | $58.3M | ||
| Q1 25 | $378.3M | $-61.3M | ||
| Q4 24 | $420.3M | $272.2M | ||
| Q3 24 | $387.6M | $410.9M | ||
| Q2 24 | $349.9M | $151.3M |
自由现金流率ENVALII
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 31.5% | ||
| Q3 25 | 58.6% | 18.6% | ||
| Q2 25 | 57.1% | 3.9% | ||
| Q1 25 | 50.7% | -5.7% | ||
| Q4 24 | 57.6% | 20.2% | ||
| Q3 24 | 56.2% | 27.4% | ||
| Q2 24 | 55.7% | 10.4% |
资本支出强度ENVALII
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 2.4% | ||
| Q3 25 | 1.4% | 2.5% | ||
| Q2 25 | 1.5% | 1.9% | ||
| Q1 25 | 1.7% | 2.4% | ||
| Q4 24 | 1.4% | 4.5% | ||
| Q3 24 | 1.6% | 2.8% | ||
| Q2 24 | 1.8% | 2.3% |
现金转化率ENVALII
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 2.50× | ||
| Q3 25 | 6.00× | 1.22× | ||
| Q2 25 | 5.87× | 0.31× | ||
| Q1 25 | 5.36× | -0.30× | ||
| Q4 24 | 6.76× | 1.68× | ||
| Q3 24 | 9.18× | 1.89× | ||
| Q2 24 | 6.70× | 0.75× |
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
LII
| Residential Heating And Cooling | $699.8M | 59% |
| Commercial Heating And Cooling | $495.2M | 41% |
