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Enova International, Inc.（ENVA）与Pinnacle West Capital（PNW）财务数据对比。点击上方公司名可切换其他公司
Pinnacle West Capital的季度营收约是Enova International, Inc.的1.3倍（$1.1B vs $875.1M），Enova International, Inc.净利率更高（10.4% vs 1.6%，领先8.8%），Enova International, Inc.同比增速更快（17.4% vs 3.0%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 8.9%）
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。
Pinnacle West Capital是美国公用事业控股企业，旗下拥有亚利桑那州规模最大的公用事业公司亚利桑那公共服务（APS）。公司于纽约证券交易所上市，是标普500指数成分股，运营受亚利桑那州公司委员会监管。
ENVA vs PNW — 直观对比
营收规模更大
PNW
是对方的1.3倍
$875.1M
营收增速更快
ENVA
高出14.4%
3.0%
净利率更高
ENVA
高出8.8%
1.6%
两年增速更快
ENVA
近两年复合增速
8.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.1B |
| 净利润 | $91.1M | $17.6M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | 10.7% |
| 净利率 | 10.4% | 1.6% |
| 营收同比 | 17.4% | 3.0% |
| 净利润同比 | 24.9% | 798.0% |
| 每股收益（稀释后） | $3.46 | $0.12 |
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ENVAPNW
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.1B | ||
| Q3 25 | $802.7M | $1.8B | ||
| Q2 25 | $764.0M | $1.4B | ||
| Q1 25 | $745.5M | $1.0B | ||
| Q4 24 | $729.6M | $1.1B | ||
| Q3 24 | $689.9M | $1.8B | ||
| Q2 24 | $628.4M | $1.3B |
净利润ENVAPNW
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $17.6M | ||
| Q3 25 | $80.3M | $417.5M | ||
| Q2 25 | $76.1M | $196.9M | ||
| Q1 25 | $72.9M | $-338.0K | ||
| Q4 24 | $63.7M | $-2.5M | ||
| Q3 24 | $43.4M | $399.3M | ||
| Q2 24 | $53.9M | $208.1M |
毛利率ENVAPNW
| 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ENVAPNW
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 10.7% | ||
| Q3 25 | 24.5% | 32.0% | ||
| Q2 25 | 24.1% | 22.6% | ||
| Q1 25 | 23.1% | 5.5% | ||
| Q4 24 | 21.3% | 7.7% | ||
| Q3 24 | 22.3% | 30.9% | ||
| Q2 24 | 23.1% | 24.0% |
净利率ENVAPNW
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 1.6% | ||
| Q3 25 | 10.0% | 22.9% | ||
| Q2 25 | 10.0% | 14.5% | ||
| Q1 25 | 9.8% | -0.0% | ||
| Q4 24 | 8.7% | -0.2% | ||
| Q3 24 | 6.3% | 22.6% | ||
| Q2 24 | 8.6% | 15.9% |
每股收益（稀释后）ENVAPNW
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.12 | ||
| Q3 25 | $3.03 | $3.39 | ||
| Q2 25 | $2.86 | $1.58 | ||
| Q1 25 | $2.69 | $-0.04 | ||
| Q4 24 | $2.29 | $-0.04 | ||
| Q3 24 | $1.57 | $3.37 | ||
| Q2 24 | $1.93 | $1.76 |
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 | $6.6M |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $7.0B |
| 总资产 | $6.9B | $30.0B |
| 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ENVAPNW
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $6.6M | ||
| Q3 25 | $53.6M | $30.9M | ||
| Q2 25 | $55.6M | $18.8M | ||
| Q1 25 | $55.5M | $10.0M | ||
| Q4 24 | $73.9M | $3.8M | ||
| Q3 24 | $67.5M | $49.2M | ||
| Q2 24 | $60.1M | $4.0M |
总债务ENVAPNW
| 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ENVAPNW
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $7.0B | ||
| Q3 25 | $1.3B | $7.2B | ||
| Q2 25 | $1.2B | $6.7B | ||
| Q1 25 | $1.2B | $6.7B | ||
| Q4 24 | $1.2B | $6.8B | ||
| Q3 24 | $1.2B | $6.6B | ||
| Q2 24 | $1.1B | $6.2B |
总资产ENVAPNW
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $30.0B | ||
| Q3 25 | $6.0B | $29.9B | ||
| Q2 25 | $5.7B | $29.2B | ||
| Q1 25 | $5.5B | $27.2B | ||
| Q4 24 | $5.3B | $26.1B | ||
| Q3 24 | $5.0B | $26.3B | ||
| Q2 24 | $4.8B | $25.7B |
负债/权益比ENVAPNW
| 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 | — | $476.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-192.7M |
| 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 | — | 59.3% |
| 现金转化率经营现金流/净利润 | — | 27.09× |
| 过去12个月自由现金流最近4个季度 | — | $-819.5M |
8季度趋势，按日历期对齐
经营现金流ENVAPNW
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $476.8M | ||
| Q3 25 | $481.8M | $665.0M | ||
| Q2 25 | $447.4M | $261.4M | ||
| Q1 25 | $391.1M | $401.9M | ||
| Q4 24 | $430.5M | $439.5M | ||
| Q3 24 | $398.6M | $633.2M | ||
| Q2 24 | $360.9M | $189.8M |
自由现金流ENVAPNW
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $-192.7M | ||
| Q3 25 | $470.5M | $42.0M | ||
| Q2 25 | $436.1M | $-448.1M | ||
| Q1 25 | $378.3M | $-220.7M | ||
| Q4 24 | $420.3M | $-92.1M | ||
| Q3 24 | $387.6M | $-32.7M | ||
| Q2 24 | $349.9M | $-344.2M |
自由现金流率ENVAPNW
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | -17.1% | ||
| Q3 25 | 58.6% | 2.3% | ||
| Q2 25 | 57.1% | -33.0% | ||
| Q1 25 | 50.7% | -21.4% | ||
| Q4 24 | 57.6% | -8.4% | ||
| Q3 24 | 56.2% | -1.8% | ||
| Q2 24 | 55.7% | -26.3% |
资本支出强度ENVAPNW
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 59.3% | ||
| Q3 25 | 1.4% | 34.2% | ||
| Q2 25 | 1.5% | 52.2% | ||
| Q1 25 | 1.7% | 60.3% | ||
| Q4 24 | 1.4% | 48.5% | ||
| Q3 24 | 1.6% | 37.6% | ||
| Q2 24 | 1.8% | 40.8% |
现金转化率ENVAPNW
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 27.09× | ||
| Q3 25 | 6.00× | 1.59× | ||
| Q2 25 | 5.87× | 1.33× | ||
| Q1 25 | 5.36× | — | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 9.18× | 1.59× | ||
| Q2 24 | 6.70× | 0.91× |
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
PNW
| Electricand Transmission Service | $1.1B | 100% |
| Other Services | $4.4M | 0% |
