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Enova International, Inc.（ENVA）与Cloudflare, Inc.（NET）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Cloudflare, Inc.的1.4倍（$875.1M vs $614.5M），Enova International, Inc.净利率更高（10.4% vs -2.0%，领先12.4%），Cloudflare, Inc.同比增速更快（33.6% vs 17.4%），过去两年Cloudflare, Inc.的营收复合增速更高（27.4% 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。
Cloudflare是总部位于美国加利福尼亚州旧金山的科技企业，提供内容分发网络（CDN）、云网络安全、DDoS防护等多元互联网服务，同时是ICANN认证的域名注册商。其服务作为网站访客与客户托管服务商之间的反向代理，可有效提升访问性能，抵御恶意流量。
ENVA vs NET — 直观对比
营收规模更大
ENVA
是对方的1.4倍
$614.5M
营收增速更快
NET
高出16.2%
17.4%
净利率更高
ENVA
高出12.4%
-2.0%
两年增速更快
NET
近两年复合增速
18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $614.5M |
| 净利润 | $91.1M | $-12.1M |
| 毛利率 | — | 73.6% |
| 营业利润率 | 23.7% | -8.0% |
| 净利率 | 10.4% | -2.0% |
| 营收同比 | 17.4% | 33.6% |
| 净利润同比 | 24.9% | 6.0% |
| 每股收益（稀释后） | $3.46 | $-0.03 |
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ENVANET
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $614.5M | ||
| Q3 25 | $802.7M | $562.0M | ||
| Q2 25 | $764.0M | $512.3M | ||
| Q1 25 | $745.5M | $479.1M | ||
| Q4 24 | $729.6M | $459.9M | ||
| Q3 24 | $689.9M | $430.1M | ||
| Q2 24 | $628.4M | $401.0M |
净利润ENVANET
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $-12.1M | ||
| Q3 25 | $80.3M | $-1.3M | ||
| Q2 25 | $76.1M | $-50.4M | ||
| Q1 25 | $72.9M | $-38.5M | ||
| Q4 24 | $63.7M | $-12.8M | ||
| Q3 24 | $43.4M | $-15.3M | ||
| Q2 24 | $53.9M | $-15.1M |
毛利率ENVANET
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 73.6% | ||
| Q3 25 | 57.4% | 74.0% | ||
| Q2 25 | 57.8% | 74.9% | ||
| Q1 25 | 57.2% | 75.9% | ||
| Q4 24 | 56.6% | 76.4% | ||
| Q3 24 | 58.0% | 77.7% | ||
| Q2 24 | 58.9% | 77.8% |
营业利润率ENVANET
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | -8.0% | ||
| Q3 25 | 24.5% | -6.7% | ||
| Q2 25 | 24.1% | -13.1% | ||
| Q1 25 | 23.1% | -11.1% | ||
| Q4 24 | 21.3% | -7.5% | ||
| Q3 24 | 22.3% | -7.2% | ||
| Q2 24 | 23.1% | -8.7% |
净利率ENVANET
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | -2.0% | ||
| Q3 25 | 10.0% | -0.2% | ||
| Q2 25 | 10.0% | -9.8% | ||
| Q1 25 | 9.8% | -8.0% | ||
| Q4 24 | 8.7% | -2.8% | ||
| Q3 24 | 6.3% | -3.6% | ||
| Q2 24 | 8.6% | -3.8% |
每股收益（稀释后）ENVANET
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $-0.03 | ||
| Q3 25 | $3.03 | $0.00 | ||
| Q2 25 | $2.86 | $-0.15 | ||
| Q1 25 | $2.69 | $-0.11 | ||
| Q4 24 | $2.29 | $-0.05 | ||
| Q3 24 | $1.57 | $-0.04 | ||
| Q2 24 | $1.93 | $-0.04 |
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 | $943.5M |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $1.5B |
| 总资产 | $6.9B | $6.0B |
| 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ENVANET
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $943.5M | ||
| Q3 25 | $53.6M | $1.1B | ||
| Q2 25 | $55.6M | $1.5B | ||
| Q1 25 | $55.5M | $204.5M | ||
| Q4 24 | $73.9M | $147.7M | ||
| Q3 24 | $67.5M | $182.9M | ||
| Q2 24 | $60.1M | $157.0M |
总债务ENVANET
| 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ENVANET
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $1.5B | ||
| Q3 25 | $1.3B | $1.3B | ||
| Q2 25 | $1.2B | $1.2B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.0B | ||
| Q3 24 | $1.2B | $973.1M | ||
| Q2 24 | $1.1B | $881.5M |
总资产ENVANET
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $6.0B | ||
| Q3 25 | $6.0B | $5.8B | ||
| Q2 25 | $5.7B | $5.6B | ||
| Q1 25 | $5.5B | $3.7B | ||
| Q4 24 | $5.3B | $3.3B | ||
| Q3 24 | $5.0B | $3.1B | ||
| Q2 24 | $4.8B | $2.9B |
负债/权益比ENVANET
| 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 | — | $190.4M |
| 自由现金流经营现金流 - 资本支出 | — | $105.2M |
| 自由现金流率自由现金流/营收 | — | 17.1% |
| 资本支出强度资本支出/营收 | — | 13.9% |
| 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 | — | $287.5M |
8季度趋势，按日历期对齐
经营现金流ENVANET
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $190.4M | ||
| Q3 25 | $481.8M | $167.1M | ||
| Q2 25 | $447.4M | $99.8M | ||
| Q1 25 | $391.1M | $145.8M | ||
| Q4 24 | $430.5M | $127.3M | ||
| Q3 24 | $398.6M | $104.7M | ||
| Q2 24 | $360.9M | $74.8M |
自由现金流ENVANET
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $105.2M | ||
| Q3 25 | $470.5M | $82.5M | ||
| Q2 25 | $436.1M | $39.9M | ||
| Q1 25 | $378.3M | $59.9M | ||
| Q4 24 | $420.3M | $54.2M | ||
| Q3 24 | $387.6M | $54.5M | ||
| Q2 24 | $349.9M | $45.2M |
自由现金流率ENVANET
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 17.1% | ||
| Q3 25 | 58.6% | 14.7% | ||
| Q2 25 | 57.1% | 7.8% | ||
| Q1 25 | 50.7% | 12.5% | ||
| Q4 24 | 57.6% | 11.8% | ||
| Q3 24 | 56.2% | 12.7% | ||
| Q2 24 | 55.7% | 11.3% |
资本支出强度ENVANET
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 13.9% | ||
| Q3 25 | 1.4% | 15.1% | ||
| Q2 25 | 1.5% | 11.7% | ||
| Q1 25 | 1.7% | 17.9% | ||
| Q4 24 | 1.4% | 15.9% | ||
| Q3 24 | 1.6% | 11.7% | ||
| Q2 24 | 1.8% | 7.4% |
现金转化率ENVANET
| 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
NET
| Sales Channel Directly To Consumer | $438.5M | 71% |
| Sales Channel Through Intermediary | $176.0M | 29% |
