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Enova International, Inc.（ENVA）与纽约时报公司（NYT）财务数据对比。点击上方公司名可切换其他公司
Enova International, Inc.的季度营收约是纽约时报公司的1.1倍（$875.1M vs $802.3M），纽约时报公司净利率更高（16.2% vs 10.4%，领先5.8%），Enova International, Inc.同比增速更快（17.4% vs 10.4%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 16.2%）
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。
纽约时报公司是美国知名大众传媒企业，总部位于纽约市曼哈顿的纽约时报大厦，旗下核心出版产品包括《纽约时报》及其国际版等系列刊物，同时运营多元媒体资产，在全球新闻传媒领域拥有较高知名度。
ENVA vs NYT — 直观对比
营收规模更大
ENVA
是对方的1.1倍
$802.3M
营收增速更快
ENVA
高出7.0%
10.4%
净利率更高
NYT
高出5.8%
10.4%
两年增速更快
ENVA
近两年复合增速
16.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $802.3M |
| 净利润 | $91.1M | $129.8M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | 20.1% |
| 净利率 | 10.4% | 16.2% |
| 营收同比 | 17.4% | 10.4% |
| 净利润同比 | 24.9% | 4.9% |
| 每股收益（稀释后） | $3.46 | $0.79 |
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ENVANYT
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $802.3M | ||
| Q3 25 | $802.7M | $700.8M | ||
| Q2 25 | $764.0M | $685.9M | ||
| Q1 25 | $745.5M | $635.9M | ||
| Q4 24 | $729.6M | $726.6M | ||
| Q3 24 | $689.9M | $640.2M | ||
| Q2 24 | $628.4M | $625.1M |
净利润ENVANYT
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $129.8M | ||
| Q3 25 | $80.3M | $81.6M | ||
| Q2 25 | $76.1M | $82.9M | ||
| Q1 25 | $72.9M | $49.6M | ||
| Q4 24 | $63.7M | $123.7M | ||
| Q3 24 | $43.4M | $64.1M | ||
| Q2 24 | $53.9M | $65.5M |
毛利率ENVANYT
| 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ENVANYT
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 20.1% | ||
| Q3 25 | 24.5% | 15.0% | ||
| Q2 25 | 24.1% | 15.5% | ||
| Q1 25 | 23.1% | 9.2% | ||
| Q4 24 | 21.3% | 20.2% | ||
| Q3 24 | 22.3% | 12.0% | ||
| Q2 24 | 23.1% | 12.7% |
净利率ENVANYT
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 16.2% | ||
| Q3 25 | 10.0% | 11.7% | ||
| Q2 25 | 10.0% | 12.1% | ||
| Q1 25 | 9.8% | 7.8% | ||
| Q4 24 | 8.7% | 17.0% | ||
| Q3 24 | 6.3% | 10.0% | ||
| Q2 24 | 8.6% | 10.5% |
每股收益（稀释后）ENVANYT
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.79 | ||
| Q3 25 | $3.03 | $0.50 | ||
| Q2 25 | $2.86 | $0.50 | ||
| Q1 25 | $2.69 | $0.30 | ||
| Q4 24 | $2.29 | $0.74 | ||
| Q3 24 | $1.57 | $0.39 | ||
| Q2 24 | $1.93 | $0.40 |
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 | $642.2M |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $2.0B |
| 总资产 | $6.9B | $3.0B |
| 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ENVANYT
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $642.2M | ||
| Q3 25 | $53.6M | $617.4M | ||
| Q2 25 | $55.6M | $540.2M | ||
| Q1 25 | $55.5M | $522.1M | ||
| Q4 24 | $73.9M | $565.9M | ||
| Q3 24 | $67.5M | $492.9M | ||
| Q2 24 | $60.1M | $411.4M |
总债务ENVANYT
| 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ENVANYT
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $2.0B | ||
| Q3 25 | $1.3B | $2.0B | ||
| Q2 25 | $1.2B | $1.9B | ||
| Q1 25 | $1.2B | $1.9B | ||
| Q4 24 | $1.2B | $1.9B | ||
| Q3 24 | $1.2B | $1.9B | ||
| Q2 24 | $1.1B | $1.8B |
总资产ENVANYT
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $3.0B | ||
| Q3 25 | $6.0B | $2.9B | ||
| Q2 25 | $5.7B | $2.8B | ||
| Q1 25 | $5.5B | $2.7B | ||
| Q4 24 | $5.3B | $2.8B | ||
| Q3 24 | $5.0B | $2.8B | ||
| Q2 24 | $4.8B | $2.7B |
负债/权益比ENVANYT
| 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 | — | $164.2M |
| 自由现金流经营现金流 - 资本支出 | — | $157.6M |
| 自由现金流率自由现金流/营收 | — | 19.6% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | — | 1.26× |
| 过去12个月自由现金流最近4个季度 | — | $550.5M |
8季度趋势，按日历期对齐
经营现金流ENVANYT
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $164.2M | ||
| Q3 25 | $481.8M | $207.6M | ||
| Q2 25 | $447.4M | $113.6M | ||
| Q1 25 | $391.1M | $99.1M | ||
| Q4 24 | $430.5M | $151.7M | ||
| Q3 24 | $398.6M | $125.5M | ||
| Q2 24 | $360.9M | $80.2M |
自由现金流ENVANYT
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $157.6M | ||
| Q3 25 | $470.5M | $199.7M | ||
| Q2 25 | $436.1M | $103.3M | ||
| Q1 25 | $378.3M | $89.9M | ||
| Q4 24 | $420.3M | $143.6M | ||
| Q3 24 | $387.6M | $118.4M | ||
| Q2 24 | $349.9M | $72.6M |
自由现金流率ENVANYT
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 19.6% | ||
| Q3 25 | 58.6% | 28.5% | ||
| Q2 25 | 57.1% | 15.1% | ||
| Q1 25 | 50.7% | 14.1% | ||
| Q4 24 | 57.6% | 19.8% | ||
| Q3 24 | 56.2% | 18.5% | ||
| Q2 24 | 55.7% | 11.6% |
资本支出强度ENVANYT
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 0.8% | ||
| Q3 25 | 1.4% | 1.1% | ||
| Q2 25 | 1.5% | 1.5% | ||
| Q1 25 | 1.7% | 1.5% | ||
| Q4 24 | 1.4% | 1.1% | ||
| Q3 24 | 1.6% | 1.1% | ||
| Q2 24 | 1.8% | 1.2% |
现金转化率ENVANYT
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 1.26× | ||
| Q3 25 | 6.00× | 2.54× | ||
| Q2 25 | 5.87× | 1.37× | ||
| Q1 25 | 5.36× | 2.00× | ||
| Q4 24 | 6.76× | 1.23× | ||
| Q3 24 | 9.18× | 1.96× | ||
| Q2 24 | 6.70× | 1.22× |
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
NYT
| Subscription | $510.5M | 64% |
| Advertising | $191.7M | 24% |
| Affiliate Licensing And Other Products And Services | $100.2M | 12% |
