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Enova International, Inc.（ENVA）与Open Lending Corp（LPRO）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Open Lending Corp的45.2倍（$875.1M vs $19.3M）。Open Lending Corp同比增速更快（134.0% vs 17.4%）。过去两年Enova International, Inc.的营收复合增速更高（18.0% vs -13.8%）
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。
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ENVA vs LPRO — 直观对比
营收规模更大
ENVA
是对方的45.2倍
$19.3M
营收增速更快
LPRO
高出116.6%
17.4%
两年增速更快
ENVA
近两年复合增速
-13.8%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $19.3M |
| 净利润 | $91.1M | — |
| 毛利率 | — | 76.0% |
| 营业利润率 | 23.7% | 3.9% |
| 净利率 | 10.4% | — |
| 营收同比 | 17.4% | 134.0% |
| 净利润同比 | 24.9% | — |
| 每股收益（稀释后） | $3.46 | $-0.00 |
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ENVALPRO
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $19.3M | ||
| Q3 25 | $802.7M | $24.2M | ||
| Q2 25 | $764.0M | $25.3M | ||
| Q1 25 | $745.5M | $24.4M | ||
| Q4 24 | $729.6M | $-56.9M | ||
| Q3 24 | $689.9M | $23.5M | ||
| Q2 24 | $628.4M | — |
净利润ENVALPRO
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | — | ||
| Q3 25 | $80.3M | $-7.6M | ||
| Q2 25 | $76.1M | $1.0M | ||
| Q1 25 | $72.9M | $617.0K | ||
| Q4 24 | $63.7M | — | ||
| Q3 24 | $43.4M | $1.4M | ||
| Q2 24 | $53.9M | — |
毛利率ENVALPRO
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 76.0% | ||
| Q3 25 | 57.4% | 78.0% | ||
| Q2 25 | 57.8% | 78.2% | ||
| Q1 25 | 57.2% | 75.1% | ||
| Q4 24 | 56.6% | 111.0% | ||
| Q3 24 | 58.0% | 73.9% | ||
| Q2 24 | 58.9% | — |
营业利润率ENVALPRO
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 3.9% | ||
| Q3 25 | 24.5% | -31.9% | ||
| Q2 25 | 24.1% | 4.6% | ||
| Q1 25 | 23.1% | 3.1% | ||
| Q4 24 | 21.3% | 138.0% | ||
| Q3 24 | 22.3% | 7.9% | ||
| Q2 24 | 23.1% | — |
净利率ENVALPRO
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | — | ||
| Q3 25 | 10.0% | -31.3% | ||
| Q2 25 | 10.0% | 4.1% | ||
| Q1 25 | 9.8% | 2.5% | ||
| Q4 24 | 8.7% | — | ||
| Q3 24 | 6.3% | 6.1% | ||
| Q2 24 | 8.6% | — |
每股收益（稀释后）ENVALPRO
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $-0.00 | ||
| Q3 25 | $3.03 | $-0.06 | ||
| Q2 25 | $2.86 | $0.01 | ||
| Q1 25 | $2.69 | $0.01 | ||
| Q4 24 | $2.29 | $-1.20 | ||
| Q3 24 | $1.57 | $0.01 | ||
| Q2 24 | $1.93 | — |
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 | $176.6M |
| 总债务越低越好 | $4.8B | $84.8M |
| 股东权益账面价值 | — | $75.0M |
| 总资产 | $6.9B | $236.7M |
| 负债/权益比越低杠杆越低 | — | 1.13× |
8季度趋势，按日历期对齐
现金及短期投资ENVALPRO
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $176.6M | ||
| Q3 25 | $53.6M | $222.1M | ||
| Q2 25 | $55.6M | $230.7M | ||
| Q1 25 | $55.5M | $236.2M | ||
| Q4 24 | $73.9M | $243.2M | ||
| Q3 24 | $67.5M | $250.2M | ||
| Q2 24 | $60.1M | — |
总债务ENVALPRO
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $84.8M | ||
| Q3 25 | $4.1B | $134.4M | ||
| Q2 25 | $4.0B | $136.1M | ||
| Q1 25 | $3.8B | $137.9M | ||
| Q4 24 | $3.6B | $139.7M | ||
| Q3 24 | $3.3B | $141.5M | ||
| Q2 24 | $3.2B | — |
股东权益ENVALPRO
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $75.0M | ||
| Q3 25 | $1.3B | $72.8M | ||
| Q2 25 | $1.2B | $78.9M | ||
| Q1 25 | $1.2B | $79.8M | ||
| Q4 24 | $1.2B | $78.1M | ||
| Q3 24 | $1.2B | $220.5M | ||
| Q2 24 | $1.1B | — |
总资产ENVALPRO
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $236.7M | ||
| Q3 25 | $6.0B | $287.7M | ||
| Q2 25 | $5.7B | $296.7M | ||
| Q1 25 | $5.5B | $304.2M | ||
| Q4 24 | $5.3B | $296.4M | ||
| Q3 24 | $5.0B | $395.7M | ||
| Q2 24 | $4.8B | — |
负债/权益比ENVALPRO
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 1.13× | ||
| Q3 25 | 3.20× | 1.84× | ||
| Q2 25 | 3.23× | 1.72× | ||
| Q1 25 | 3.14× | 1.73× | ||
| Q4 24 | 2.98× | 1.79× | ||
| Q3 24 | 2.79× | 0.64× | ||
| 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 | — | $5.5M |
| 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 | — | 0.0% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流ENVALPRO
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $5.5M | ||
| Q3 25 | $481.8M | $-5.7M | ||
| Q2 25 | $447.4M | $848.0K | ||
| Q1 25 | $391.1M | $-3.8M | ||
| Q4 24 | $430.5M | $-3.4M | ||
| Q3 24 | $398.6M | $11.4M | ||
| Q2 24 | $360.9M | — |
自由现金流ENVALPRO
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | — | ||
| Q3 25 | $470.5M | — | ||
| Q2 25 | $436.1M | $837.0K | ||
| Q1 25 | $378.3M | $-3.9M | ||
| Q4 24 | $420.3M | $-3.4M | ||
| Q3 24 | $387.6M | $11.3M | ||
| Q2 24 | $349.9M | — |
自由现金流率ENVALPRO
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | — | ||
| Q3 25 | 58.6% | — | ||
| Q2 25 | 57.1% | 3.3% | ||
| Q1 25 | 50.7% | -15.9% | ||
| Q4 24 | 57.6% | 5.9% | ||
| Q3 24 | 56.2% | 48.0% | ||
| Q2 24 | 55.7% | — |
资本支出强度ENVALPRO
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 0.0% | ||
| Q3 25 | 1.4% | 0.0% | ||
| Q2 25 | 1.5% | 0.0% | ||
| Q1 25 | 1.7% | 0.2% | ||
| Q4 24 | 1.4% | -0.0% | ||
| Q3 24 | 1.6% | 0.5% | ||
| Q2 24 | 1.8% | — |
现金转化率ENVALPRO
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | — | ||
| Q3 25 | 6.00× | — | ||
| Q2 25 | 5.87× | 0.82× | ||
| Q1 25 | 5.36× | -6.22× | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 9.18× | 7.92× | ||
| 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
