vs
Enova International, Inc.（ENVA）与NELNET INC（NNI）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NELNET INC的8.2倍（$875.1M vs $107.1M）。NELNET INC净利率更高（53.9% vs 10.4%，领先43.5%）。NELNET INC同比增速更快（33.8% vs 17.4%）。过去两年NELNET INC的营收复合增速更高（20.1% 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。
Nelnet（耐尔奈特）是总部位于美国内布拉斯加州林肯市的综合性企业集团，核心业务涵盖金融服务领域，主营学生贷款、消费贷款的发放与服务，同时设有投资板块与互联网银行，还持有有线电视及网络服务商Allo Fiber 26%的股权。
ENVA vs NNI — 直观对比
营收规模更大
ENVA
是对方的8.2倍
$107.1M
营收增速更快
NNI
高出16.4%
17.4%
净利率更高
NNI
高出43.5%
10.4%
两年增速更快
NNI
近两年复合增速
18.0%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $107.1M |
| 净利润 | $91.1M | $57.8M |
| 毛利率 | — | 50.5% |
| 营业利润率 | 23.7% | — |
| 净利率 | 10.4% | 53.9% |
| 营收同比 | 17.4% | 33.8% |
| 净利润同比 | 24.9% | -8.8% |
| 每股收益（稀释后） | $3.46 | $1.62 |
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ENVANNI
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $107.1M | ||
| Q3 25 | $802.7M | $85.3M | ||
| Q2 25 | $764.0M | $79.4M | ||
| Q1 25 | $745.5M | $82.7M | ||
| Q4 24 | $729.6M | $80.1M | ||
| Q3 24 | $689.9M | $72.2M | ||
| Q2 24 | $628.4M | $66.4M |
净利润ENVANNI
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $57.8M | ||
| Q3 25 | $80.3M | $106.7M | ||
| Q2 25 | $76.1M | $181.5M | ||
| Q1 25 | $72.9M | $82.6M | ||
| Q4 24 | $63.7M | $63.4M | ||
| Q3 24 | $43.4M | $2.4M | ||
| Q2 24 | $53.9M | $45.1M |
毛利率ENVANNI
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 50.5% | ||
| Q3 25 | 57.4% | 29.6% | ||
| Q2 25 | 57.8% | 29.8% | ||
| Q1 25 | 57.2% | 30.5% | ||
| Q4 24 | 56.6% | 13.7% | ||
| Q3 24 | 58.0% | 0.1% | ||
| Q2 24 | 58.9% | 27.3% |
营业利润率ENVANNI
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | — | ||
| Q3 25 | 24.5% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | 23.1% | — | ||
| Q4 24 | 21.3% | 97.7% | ||
| Q3 24 | 22.3% | -3.1% | ||
| Q2 24 | 23.1% | 88.0% |
净利率ENVANNI
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 53.9% | ||
| Q3 25 | 10.0% | 125.1% | ||
| Q2 25 | 10.0% | 228.4% | ||
| Q1 25 | 9.8% | 99.8% | ||
| Q4 24 | 8.7% | 79.1% | ||
| Q3 24 | 6.3% | 3.3% | ||
| Q2 24 | 8.6% | 67.9% |
每股收益（稀释后）ENVANNI
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $1.62 | ||
| Q3 25 | $3.03 | $2.94 | ||
| Q2 25 | $2.86 | $4.97 | ||
| Q1 25 | $2.69 | $2.26 | ||
| Q4 24 | $2.29 | $1.75 | ||
| Q3 24 | $1.57 | $0.07 | ||
| Q2 24 | $1.93 | $1.23 |
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 | $296.0M |
| 总债务越低越好 | $4.8B | $7.8B |
| 股东权益账面价值 | — | $3.7B |
| 总资产 | $6.9B | $14.1B |
| 负债/权益比越低杠杆越低 | — | 2.11× |
8季度趋势，按日历期对齐
现金及短期投资ENVANNI
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $296.0M | ||
| Q3 25 | $53.6M | $216.4M | ||
| Q2 25 | $55.6M | $225.8M | ||
| Q1 25 | $55.5M | $220.5M | ||
| Q4 24 | $73.9M | $194.5M | ||
| Q3 24 | $67.5M | $219.7M | ||
| Q2 24 | $60.1M | $145.5M |
总债务ENVANNI
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $7.8B | ||
| Q3 25 | $4.1B | $7.8B | ||
| Q2 25 | $4.0B | $7.9B | ||
| Q1 25 | $3.8B | $8.7B | ||
| Q4 24 | $3.6B | $8.3B | ||
| Q3 24 | $3.3B | $8.9B | ||
| Q2 24 | $3.2B | $9.6B |
股东权益ENVANNI
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $3.7B | ||
| Q3 25 | $1.3B | $3.7B | ||
| Q2 25 | $1.2B | $3.6B | ||
| Q1 25 | $1.2B | $3.4B | ||
| Q4 24 | $1.2B | $3.3B | ||
| Q3 24 | $1.2B | $3.3B | ||
| Q2 24 | $1.1B | $3.3B |
总资产ENVANNI
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $14.1B | ||
| Q3 25 | $6.0B | $13.9B | ||
| Q2 25 | $5.7B | $13.7B | ||
| Q1 25 | $5.5B | $14.2B | ||
| Q4 24 | $5.3B | $13.8B | ||
| Q3 24 | $5.0B | $14.1B | ||
| Q2 24 | $4.8B | $14.5B |
负债/权益比ENVANNI
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 2.11× | ||
| Q3 25 | 3.20× | 2.14× | ||
| Q2 25 | 3.23× | 2.21× | ||
| Q1 25 | 3.14× | 2.53× | ||
| Q4 24 | 2.98× | 2.48× | ||
| Q3 24 | 2.79× | 2.72× | ||
| Q2 24 | 2.78× | 2.90× |
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 | — | $137.6M |
| 自由现金流经营现金流 - 资本支出 | — | $130.1M |
| 自由现金流率自由现金流/营收 | — | 121.5% |
| 资本支出强度资本支出/营收 | — | 7.0% |
| 现金转化率经营现金流/净利润 | — | 2.38× |
| 过去12个月自由现金流最近4个季度 | — | $396.7M |
8季度趋势，按日历期对齐
经营现金流ENVANNI
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $137.6M | ||
| Q3 25 | $481.8M | $112.4M | ||
| Q2 25 | $447.4M | $81.8M | ||
| Q1 25 | $391.1M | $91.2M | ||
| Q4 24 | $430.5M | $180.5M | ||
| Q3 24 | $398.6M | $137.0M | ||
| Q2 24 | $360.9M | $133.4M |
自由现金流ENVANNI
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $130.1M | ||
| Q3 25 | $470.5M | $100.8M | ||
| Q2 25 | $436.1M | $78.1M | ||
| Q1 25 | $378.3M | $87.8M | ||
| Q4 24 | $420.3M | $163.2M | ||
| Q3 24 | $387.6M | $132.6M | ||
| Q2 24 | $349.9M | $122.8M |
自由现金流率ENVANNI
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 121.5% | ||
| Q3 25 | 58.6% | 118.2% | ||
| Q2 25 | 57.1% | 98.3% | ||
| Q1 25 | 50.7% | 106.1% | ||
| Q4 24 | 57.6% | 203.7% | ||
| Q3 24 | 56.2% | 183.8% | ||
| Q2 24 | 55.7% | 184.9% |
资本支出强度ENVANNI
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 7.0% | ||
| Q3 25 | 1.4% | 13.7% | ||
| Q2 25 | 1.5% | 4.7% | ||
| Q1 25 | 1.7% | 4.1% | ||
| Q4 24 | 1.4% | 21.7% | ||
| Q3 24 | 1.6% | 6.2% | ||
| Q2 24 | 1.8% | 16.0% |
现金转化率ENVANNI
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 2.38× | ||
| Q3 25 | 6.00× | 1.05× | ||
| Q2 25 | 5.87× | 0.45× | ||
| Q1 25 | 5.36× | 1.10× | ||
| Q4 24 | 6.76× | 2.85× | ||
| Q3 24 | 9.18× | 57.39× | ||
| Q2 24 | 6.70× | 2.96× |
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
NNI
| Reinsurance Premiums Earned | $33.5M | 31% |
| Tuition Payment Plan Services | $32.2M | 30% |
| Private Education And Consumer Loan Servicing | $24.8M | 23% |
| Software Services | $11.4M | 11% |
| Solar Construction Revenue | $3.4M | 3% |
| Investment Advice | $1.4M | 1% |
