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Enova International, Inc.（ENVA）与利氏兄弟拍卖行（RBA）财务数据对比。点击上方公司名可切换其他公司
利氏兄弟拍卖行的季度营收约是Enova International, Inc.的1.4倍（$1.2B vs $875.1M），Enova International, Inc.净利率更高（10.4% vs 9.1%，领先1.3%），Enova International, Inc.同比增速更快（17.4% vs 5.4%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 6.3%）
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。
利氏兄弟拍卖行（股票代码RBA）是全球知名的工业资产拍卖服务商，注册地位于加拿大，属公开上市企业，总部设在美国伊利诺伊州韦斯特切斯特，普通股同时在多伦多证券交易所与纽约证券交易所挂牌交易。
ENVA vs RBA — 直观对比
营收规模更大
RBA
是对方的1.4倍
$875.1M
营收增速更快
ENVA
高出12.0%
5.4%
净利率更高
ENVA
高出1.3%
9.1%
两年增速更快
ENVA
近两年复合增速
6.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.2B |
| 净利润 | $91.1M | $109.7M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | 14.7% |
| 净利率 | 10.4% | 9.1% |
| 营收同比 | 17.4% | 5.4% |
| 净利润同比 | 24.9% | -7.4% |
| 每股收益（稀释后） | $3.46 | $0.53 |
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ENVARBA
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.2B | ||
| Q3 25 | $802.7M | $1.1B | ||
| Q2 25 | $764.0M | $1.2B | ||
| Q1 25 | $745.5M | $1.1B | ||
| Q4 24 | $729.6M | $1.1B | ||
| Q3 24 | $689.9M | $981.8M | ||
| Q2 24 | $628.4M | $1.1B |
净利润ENVARBA
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $109.7M | ||
| Q3 25 | $80.3M | $95.5M | ||
| Q2 25 | $76.1M | $109.8M | ||
| Q1 25 | $72.9M | $113.4M | ||
| Q4 24 | $63.7M | $118.5M | ||
| Q3 24 | $43.4M | $76.1M | ||
| Q2 24 | $53.9M | $111.1M |
毛利率ENVARBA
| 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ENVARBA
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 14.7% | ||
| Q3 25 | 24.5% | 14.5% | ||
| Q2 25 | 24.1% | 15.9% | ||
| Q1 25 | 23.1% | 17.1% | ||
| Q4 24 | 21.3% | 18.1% | ||
| Q3 24 | 22.3% | 15.6% | ||
| Q2 24 | 23.1% | 18.4% |
净利率ENVARBA
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 9.1% | ||
| Q3 25 | 10.0% | 8.7% | ||
| Q2 25 | 10.0% | 9.3% | ||
| Q1 25 | 9.8% | 10.2% | ||
| Q4 24 | 8.7% | 10.4% | ||
| Q3 24 | 6.3% | 7.8% | ||
| Q2 24 | 8.6% | 10.1% |
每股收益（稀释后）ENVARBA
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.53 | ||
| Q3 25 | $3.03 | $0.43 | ||
| Q2 25 | $2.86 | $0.53 | ||
| Q1 25 | $2.69 | $0.55 | ||
| Q4 24 | $2.29 | $0.58 | ||
| Q3 24 | $1.57 | $0.36 | ||
| Q2 24 | $1.93 | $0.54 |
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 | $531.5M |
| 总债务越低越好 | $4.8B | $2.3B |
| 股东权益账面价值 | — | $5.6B |
| 总资产 | $6.9B | $12.1B |
| 负债/权益比越低杠杆越低 | — | 0.42× |
8季度趋势，按日历期对齐
现金及短期投资ENVARBA
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $531.5M | ||
| Q3 25 | $53.6M | $674.7M | ||
| Q2 25 | $55.6M | $710.2M | ||
| Q1 25 | $55.5M | $578.1M | ||
| Q4 24 | $73.9M | $533.9M | ||
| Q3 24 | $67.5M | $650.7M | ||
| Q2 24 | $60.1M | $599.5M |
总债务ENVARBA
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $2.3B | ||
| Q3 25 | $4.1B | $2.6B | ||
| Q2 25 | $4.0B | $2.6B | ||
| Q1 25 | $3.8B | $2.6B | ||
| Q4 24 | $3.6B | $2.6B | ||
| Q3 24 | $3.3B | $2.7B | ||
| Q2 24 | $3.2B | $2.8B |
股东权益ENVARBA
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $5.6B | ||
| Q3 25 | $1.3B | $5.5B | ||
| Q2 25 | $1.2B | $5.5B | ||
| Q1 25 | $1.2B | $5.3B | ||
| Q4 24 | $1.2B | $5.2B | ||
| Q3 24 | $1.2B | $5.2B | ||
| Q2 24 | $1.1B | $5.2B |
总资产ENVARBA
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $12.1B | ||
| Q3 25 | $6.0B | $12.2B | ||
| Q2 25 | $5.7B | $12.2B | ||
| Q1 25 | $5.5B | $11.9B | ||
| Q4 24 | $5.3B | $11.8B | ||
| Q3 24 | $5.0B | $11.9B | ||
| Q2 24 | $4.8B | $12.1B |
负债/权益比ENVARBA
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.42× | ||
| Q3 25 | 3.20× | 0.47× | ||
| Q2 25 | 3.23× | 0.47× | ||
| Q1 25 | 3.14× | 0.50× | ||
| Q4 24 | 2.98× | 0.50× | ||
| Q3 24 | 2.79× | 0.52× | ||
| Q2 24 | 2.78× | 0.55× |
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 | — | $255.2M |
| 自由现金流经营现金流 - 资本支出 | — | $186.5M |
| 自由现金流率自由现金流/营收 | — | 15.5% |
| 资本支出强度资本支出/营收 | — | 5.7% |
| 现金转化率经营现金流/净利润 | — | 2.33× |
| 过去12个月自由现金流最近4个季度 | — | $719.2M |
8季度趋势，按日历期对齐
经营现金流ENVARBA
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $255.2M | ||
| Q3 25 | $481.8M | $239.7M | ||
| Q2 25 | $447.4M | $326.5M | ||
| Q1 25 | $391.1M | $156.8M | ||
| Q4 24 | $430.5M | $184.5M | ||
| Q3 24 | $398.6M | $285.4M | ||
| Q2 24 | $360.9M | $337.3M |
自由现金流ENVARBA
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $186.5M | ||
| Q3 25 | $470.5M | $188.5M | ||
| Q2 25 | $436.1M | $241.7M | ||
| Q1 25 | $378.3M | $102.5M | ||
| Q4 24 | $420.3M | $127.9M | ||
| Q3 24 | $387.6M | $248.5M | ||
| Q2 24 | $349.9M | $308.6M |
自由现金流率ENVARBA
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 15.5% | ||
| Q3 25 | 58.6% | 17.3% | ||
| Q2 25 | 57.1% | 20.4% | ||
| Q1 25 | 50.7% | 9.2% | ||
| Q4 24 | 57.6% | 11.2% | ||
| Q3 24 | 56.2% | 25.3% | ||
| Q2 24 | 55.7% | 28.2% |
资本支出强度ENVARBA
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 5.7% | ||
| Q3 25 | 1.4% | 4.7% | ||
| Q2 25 | 1.5% | 7.2% | ||
| Q1 25 | 1.7% | 4.9% | ||
| Q4 24 | 1.4% | 5.0% | ||
| Q3 24 | 1.6% | 3.8% | ||
| Q2 24 | 1.8% | 2.6% |
现金转化率ENVARBA
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 2.33× | ||
| Q3 25 | 6.00× | 2.51× | ||
| Q2 25 | 5.87× | 2.97× | ||
| Q1 25 | 5.36× | 1.38× | ||
| Q4 24 | 6.76× | 1.56× | ||
| Q3 24 | 9.18× | 3.75× | ||
| Q2 24 | 6.70× | 3.04× |
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
RBA
| Buyer Revenue | $577.2M | 48% |
| Seller Revenue | $255.2M | 21% |
| CA | $199.0M | 17% |
| Other | $124.7M | 10% |
| AU | $47.3M | 4% |
