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Enova International, Inc.（ENVA）与美世（MERC）财务数据对比。点击上方公司名可切换其他公司
Enova International, Inc.的季度营收约是美世的1.9倍（$875.1M vs $449.5M），Enova International, Inc.净利率更高（10.4% vs -68.7%，领先79.1%），Enova International, Inc.同比增速更快（17.4% vs -8.0%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs -9.9%）
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。
美世是1945年成立的美国咨询公司，为全球专业服务集团威达信的四大运营子公司之一，总部位于纽约，在43个国家设有办事处，业务覆盖130个国家，主要为客户提供人力资源与金融咨询服务。
ENVA vs MERC — 直观对比
营收规模更大
ENVA
是对方的1.9倍
$449.5M
营收增速更快
ENVA
高出25.3%
-8.0%
净利率更高
ENVA
高出79.1%
-68.7%
两年增速更快
ENVA
近两年复合增速
-9.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $449.5M |
| 净利润 | $91.1M | $-308.7M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | -62.0% |
| 净利率 | 10.4% | -68.7% |
| 营收同比 | 17.4% | -8.0% |
| 净利润同比 | 24.9% | -1947.7% |
| 每股收益（稀释后） | $3.46 | $-4.61 |
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ENVAMERC
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $449.5M | ||
| Q3 25 | $802.7M | $458.1M | ||
| Q2 25 | $764.0M | $453.5M | ||
| Q1 25 | $745.5M | $507.0M | ||
| Q4 24 | $729.6M | $488.4M | ||
| Q3 24 | $689.9M | $502.1M | ||
| Q2 24 | $628.4M | $499.4M |
净利润ENVAMERC
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $-308.7M | ||
| Q3 25 | $80.3M | $-80.8M | ||
| Q2 25 | $76.1M | $-86.1M | ||
| Q1 25 | $72.9M | $-22.3M | ||
| Q4 24 | $63.7M | $16.7M | ||
| Q3 24 | $43.4M | $-17.6M | ||
| Q2 24 | $53.9M | $-67.6M |
毛利率ENVAMERC
| 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ENVAMERC
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | -62.0% | ||
| Q3 25 | 24.5% | -14.8% | ||
| Q2 25 | 24.1% | -12.9% | ||
| Q1 25 | 23.1% | 1.3% | ||
| Q4 24 | 21.3% | 10.3% | ||
| Q3 24 | 22.3% | 1.8% | ||
| Q2 24 | 23.1% | -8.8% |
净利率ENVAMERC
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | -68.7% | ||
| Q3 25 | 10.0% | -17.6% | ||
| Q2 25 | 10.0% | -19.0% | ||
| Q1 25 | 9.8% | -4.4% | ||
| Q4 24 | 8.7% | 3.4% | ||
| Q3 24 | 6.3% | -3.5% | ||
| Q2 24 | 8.6% | -13.5% |
每股收益（稀释后）ENVAMERC
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $-4.61 | ||
| Q3 25 | $3.03 | $-1.21 | ||
| Q2 25 | $2.86 | $-1.29 | ||
| Q1 25 | $2.69 | $-0.33 | ||
| Q4 24 | $2.29 | $0.25 | ||
| Q3 24 | $1.57 | $-0.26 | ||
| Q2 24 | $1.93 | $-1.01 |
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 | $186.8M |
| 总债务越低越好 | $4.8B | $1.6B |
| 股东权益账面价值 | — | $68.1M |
| 总资产 | $6.9B | $2.0B |
| 负债/权益比越低杠杆越低 | — | 23.58× |
8季度趋势，按日历期对齐
现金及短期投资ENVAMERC
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $186.8M | ||
| Q3 25 | $53.6M | $98.1M | ||
| Q2 25 | $55.6M | $146.5M | ||
| Q1 25 | $55.5M | $181.5M | ||
| Q4 24 | $73.9M | $184.9M | ||
| Q3 24 | $67.5M | $239.0M | ||
| Q2 24 | $60.1M | $263.2M |
总债务ENVAMERC
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $1.6B | ||
| Q3 25 | $4.1B | $1.5B | ||
| Q2 25 | $4.0B | $1.5B | ||
| Q1 25 | $3.8B | $1.5B | ||
| Q4 24 | $3.6B | $1.5B | ||
| Q3 24 | $3.3B | $1.6B | ||
| Q2 24 | $3.2B | $1.6B |
股东权益ENVAMERC
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $68.1M | ||
| Q3 25 | $1.3B | $359.5M | ||
| Q2 25 | $1.2B | $446.5M | ||
| Q1 25 | $1.2B | $437.4M | ||
| Q4 24 | $1.2B | $429.8M | ||
| Q3 24 | $1.2B | $516.8M | ||
| Q2 24 | $1.1B | $487.7M |
总资产ENVAMERC
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $2.0B | ||
| Q3 25 | $6.0B | $2.3B | ||
| Q2 25 | $5.7B | $2.4B | ||
| Q1 25 | $5.5B | $2.3B | ||
| Q4 24 | $5.3B | $2.3B | ||
| Q3 24 | $5.0B | $2.5B | ||
| Q2 24 | $4.8B | $2.5B |
负债/权益比ENVAMERC
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 23.58× | ||
| Q3 25 | 3.20× | 4.30× | ||
| Q2 25 | 3.23× | 3.42× | ||
| Q1 25 | 3.14× | 3.44× | ||
| Q4 24 | 2.98× | 3.43× | ||
| Q3 24 | 2.79× | 3.09× | ||
| Q2 24 | 2.78× | 3.22× |
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 | — | $46.2M |
| 自由现金流经营现金流 - 资本支出 | — | $32.0M |
| 自由现金流率自由现金流/营收 | — | 7.1% |
| 资本支出强度资本支出/营收 | — | 3.1% |
| 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 | — | $-80.0M |
8季度趋势，按日历期对齐
经营现金流ENVAMERC
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $46.2M | ||
| Q3 25 | $481.8M | $-30.1M | ||
| Q2 25 | $447.4M | $-4.5M | ||
| Q1 25 | $391.1M | $-3.0M | ||
| Q4 24 | $430.5M | $71.2M | ||
| Q3 24 | $398.6M | $-13.9M | ||
| Q2 24 | $360.9M | $62.2M |
自由现金流ENVAMERC
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $32.0M | ||
| Q3 25 | $470.5M | $-60.1M | ||
| Q2 25 | $436.1M | $-28.9M | ||
| Q1 25 | $378.3M | $-23.1M | ||
| Q4 24 | $420.3M | $50.4M | ||
| Q3 24 | $387.6M | $-41.2M | ||
| Q2 24 | $349.9M | $44.3M |
自由现金流率ENVAMERC
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 7.1% | ||
| Q3 25 | 58.6% | -13.1% | ||
| Q2 25 | 57.1% | -6.4% | ||
| Q1 25 | 50.7% | -4.6% | ||
| Q4 24 | 57.6% | 10.3% | ||
| Q3 24 | 56.2% | -8.2% | ||
| Q2 24 | 55.7% | 8.9% |
资本支出强度ENVAMERC
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 3.1% | ||
| Q3 25 | 1.4% | 6.6% | ||
| Q2 25 | 1.5% | 5.4% | ||
| Q1 25 | 1.7% | 4.0% | ||
| Q4 24 | 1.4% | 4.2% | ||
| Q3 24 | 1.6% | 5.4% | ||
| Q2 24 | 1.8% | 3.6% |
现金转化率ENVAMERC
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | — | ||
| Q3 25 | 6.00× | — | ||
| Q2 25 | 5.87× | — | ||
| Q1 25 | 5.36× | — | ||
| Q4 24 | 6.76× | 4.26× | ||
| 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
MERC
| Other | $215.3M | 48% |
| Solid Wood | $110.2M | 25% |
| Lumber | $54.9M | 12% |
| Pallets | $23.7M | 5% |
| Energyandchemicals | $18.7M | 4% |
| Manufactured Products | $14.1M | 3% |
| Biofuels | $10.0M | 2% |
| Wood Residuals | $2.6M | 1% |
