vs
Enova International, Inc.（ENVA）与Lightspeed Commerce Inc.（LSPD）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Lightspeed Commerce Inc.的1.1倍（$875.1M vs $823.4M），Enova International, Inc.净利率更高（10.4% vs -11.1%，领先21.5%），过去两年Lightspeed Commerce Inc.的营收复合增速更高（89.1% 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。
Lightspeed Commerce是总部位于加拿大魁北克省蒙特利尔的销售点系统及电商软件服务商，2005年由达克斯·达席尔瓦创立，服务覆盖零售、餐饮、酒店等行业，在北美、欧洲、大洋洲等多地设有办公网点。
ENVA vs LSPD — 直观对比
营收规模更大
ENVA
是对方的1.1倍
$823.4M
净利率更高
ENVA
高出21.5%
-11.1%
两年增速更快
LSPD
近两年复合增速
18.0%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $823.4M |
| 净利润 | $91.1M | $-91.3M |
| 毛利率 | — | 41.1% |
| 营业利润率 | 23.7% | -14.1% |
| 净利率 | 10.4% | -11.1% |
| 营收同比 | 17.4% | — |
| 净利润同比 | 24.9% | — |
| 每股收益（稀释后） | $3.46 | — |
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ENVALSPD
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $823.4M | ||
| Q3 25 | $802.7M | $543.3M | ||
| Q2 25 | $764.0M | $266.1M | ||
| Q1 25 | $745.5M | $253.4M | ||
| Q4 24 | $729.6M | $679.1M | ||
| Q3 24 | $689.9M | $439.4M | ||
| Q2 24 | $628.4M | $209.1M |
净利润ENVALSPD
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $-91.3M | ||
| Q3 25 | $80.3M | $-64.7M | ||
| Q2 25 | $76.1M | $-35.0M | ||
| Q1 25 | $72.9M | $-575.9M | ||
| Q4 24 | $63.7M | $-131.4M | ||
| Q3 24 | $43.4M | $-91.2M | ||
| Q2 24 | $53.9M | $-48.7M |
毛利率ENVALSPD
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 41.1% | ||
| Q3 25 | 57.4% | 41.0% | ||
| Q2 25 | 57.8% | 40.7% | ||
| Q1 25 | 57.2% | 44.1% | ||
| Q4 24 | 56.6% | 42.1% | ||
| Q3 24 | 58.0% | 41.9% | ||
| Q2 24 | 58.9% | 42.0% |
营业利润率ENVALSPD
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | -14.1% | ||
| Q3 25 | 24.5% | -15.1% | ||
| Q2 25 | 24.1% | -16.6% | ||
| Q1 25 | 23.1% | -228.9% | ||
| Q4 24 | 21.3% | -23.8% | ||
| Q3 24 | 22.3% | -25.1% | ||
| Q2 24 | 23.1% | -27.9% |
净利率ENVALSPD
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | -11.1% | ||
| Q3 25 | 10.0% | -11.9% | ||
| Q2 25 | 10.0% | -13.2% | ||
| Q1 25 | 9.8% | -227.3% | ||
| Q4 24 | 8.7% | -19.4% | ||
| Q3 24 | 6.3% | -20.8% | ||
| Q2 24 | 8.6% | -23.3% |
每股收益（稀释后）ENVALSPD
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | — | ||
| Q3 25 | $3.03 | — | ||
| Q2 25 | $2.86 | — | ||
| Q1 25 | $2.69 | $0.10 | ||
| Q4 24 | $2.29 | — | ||
| Q3 24 | $1.57 | — | ||
| Q2 24 | $1.93 | $-0.01 |
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 | — |
| 股东权益账面价值 | — | — |
| 总资产 | $6.9B | — |
| 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ENVALSPD
| 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ENVALSPD
| 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ENVALSPD
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.1B | — |
总资产ENVALSPD
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | — | ||
| Q3 25 | $6.0B | — | ||
| Q2 25 | $5.7B | — | ||
| Q1 25 | $5.5B | — | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $5.0B | — | ||
| Q2 24 | $4.8B | — |
负债/权益比ENVALSPD
| 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× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
