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Enova International, Inc.（ENVA）与RBC Bearings INC（RBC）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RBC Bearings INC的1.9倍（$875.1M vs $461.6M），RBC Bearings INC净利率更高（14.6% vs 10.4%，领先4.2%），Enova International, Inc.同比增速更快（17.4% vs 17.0%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
ENVA vs RBC — 直观对比
营收规模更大
ENVA
是对方的1.9倍
$461.6M
营收增速更快
ENVA
高出0.3%
17.0%
净利率更高
RBC
高出4.2%
10.4%
两年增速更快
ENVA
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $461.6M |
| 净利润 | $91.1M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 23.7% | 22.3% |
| 净利率 | 10.4% | 14.6% |
| 营收同比 | 17.4% | 17.0% |
| 净利润同比 | 24.9% | 16.4% |
| 每股收益（稀释后） | $3.46 | $2.13 |
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ENVARBC
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $461.6M | ||
| Q3 25 | $802.7M | $455.3M | ||
| Q2 25 | $764.0M | $436.0M | ||
| Q1 25 | $745.5M | $437.7M | ||
| Q4 24 | $729.6M | $394.4M | ||
| Q3 24 | $689.9M | $397.9M | ||
| Q2 24 | $628.4M | $406.3M |
净利润ENVARBC
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $67.4M | ||
| Q3 25 | $80.3M | $60.0M | ||
| Q2 25 | $76.1M | $68.5M | ||
| Q1 25 | $72.9M | $72.7M | ||
| Q4 24 | $63.7M | $57.9M | ||
| Q3 24 | $43.4M | $54.2M | ||
| Q2 24 | $53.9M | $61.4M |
毛利率ENVARBC
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 44.3% | ||
| Q3 25 | 57.4% | 44.1% | ||
| Q2 25 | 57.8% | 44.8% | ||
| Q1 25 | 57.2% | 44.2% | ||
| Q4 24 | 56.6% | 44.3% | ||
| Q3 24 | 58.0% | 43.7% | ||
| Q2 24 | 58.9% | 45.3% |
营业利润率ENVARBC
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 22.3% | ||
| Q3 25 | 24.5% | 21.5% | ||
| Q2 25 | 24.1% | 23.2% | ||
| Q1 25 | 23.1% | 23.0% | ||
| Q4 24 | 21.3% | 21.7% | ||
| Q3 24 | 22.3% | 21.6% | ||
| Q2 24 | 23.1% | 24.0% |
净利率ENVARBC
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 14.6% | ||
| Q3 25 | 10.0% | 13.2% | ||
| Q2 25 | 10.0% | 15.7% | ||
| Q1 25 | 9.8% | 16.6% | ||
| Q4 24 | 8.7% | 14.7% | ||
| Q3 24 | 6.3% | 13.6% | ||
| Q2 24 | 8.6% | 15.1% |
每股收益（稀释后）ENVARBC
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $2.13 | ||
| Q3 25 | $3.03 | $1.90 | ||
| Q2 25 | $2.86 | $2.17 | ||
| Q1 25 | $2.69 | $2.33 | ||
| Q4 24 | $2.29 | $1.82 | ||
| Q3 24 | $1.57 | $1.65 | ||
| Q2 24 | $1.93 | $1.90 |
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 | $107.6M |
| 总债务越低越好 | $4.8B | $990.2M |
| 股东权益账面价值 | — | $3.3B |
| 总资产 | $6.9B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资ENVARBC
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $107.6M | ||
| Q3 25 | $53.6M | $91.2M | ||
| Q2 25 | $55.6M | $132.9M | ||
| Q1 25 | $55.5M | $36.8M | ||
| Q4 24 | $73.9M | — | ||
| Q3 24 | $67.5M | — | ||
| Q2 24 | $60.1M | $76.8M |
总债务ENVARBC
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $990.2M | ||
| Q3 25 | $4.1B | $1.1B | ||
| Q2 25 | $4.0B | $915.6M | ||
| Q1 25 | $3.8B | $920.1M | ||
| Q4 24 | $3.6B | — | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $3.2B | — |
股东权益ENVARBC
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $3.3B | ||
| Q3 25 | $1.3B | $3.2B | ||
| Q2 25 | $1.2B | $3.1B | ||
| Q1 25 | $1.2B | $3.0B | ||
| Q4 24 | $1.2B | $2.9B | ||
| Q3 24 | $1.2B | $2.9B | ||
| Q2 24 | $1.1B | $2.8B |
总资产ENVARBC
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $5.1B | ||
| Q3 25 | $6.0B | $5.1B | ||
| Q2 25 | $5.7B | $4.8B | ||
| Q1 25 | $5.5B | $4.7B | ||
| Q4 24 | $5.3B | $4.7B | ||
| Q3 24 | $5.0B | $4.7B | ||
| Q2 24 | $4.8B | $4.7B |
负债/权益比ENVARBC
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.30× | ||
| Q3 25 | 3.20× | 0.34× | ||
| Q2 25 | 3.23× | 0.29× | ||
| Q1 25 | 3.14× | 0.30× | ||
| 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 | — | $122.1M |
| 自由现金流经营现金流 - 资本支出 | — | $99.1M |
| 自由现金流率自由现金流/营收 | — | 21.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | — | 1.81× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ENVARBC
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $122.1M | ||
| Q3 25 | $481.8M | $88.4M | ||
| Q2 25 | $447.4M | $120.0M | ||
| Q1 25 | $391.1M | — | ||
| Q4 24 | $430.5M | $84.0M | ||
| Q3 24 | $398.6M | — | ||
| Q2 24 | $360.9M | $97.4M |
自由现金流ENVARBC
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $99.1M | ||
| Q3 25 | $470.5M | $71.7M | ||
| Q2 25 | $436.1M | $104.3M | ||
| Q1 25 | $378.3M | — | ||
| Q4 24 | $420.3M | $73.6M | ||
| Q3 24 | $387.6M | — | ||
| Q2 24 | $349.9M | $88.4M |
自由现金流率ENVARBC
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 21.5% | ||
| Q3 25 | 58.6% | 15.7% | ||
| Q2 25 | 57.1% | 23.9% | ||
| Q1 25 | 50.7% | — | ||
| Q4 24 | 57.6% | 18.7% | ||
| Q3 24 | 56.2% | — | ||
| Q2 24 | 55.7% | 21.8% |
资本支出强度ENVARBC
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 5.0% | ||
| Q3 25 | 1.4% | 3.7% | ||
| Q2 25 | 1.5% | 3.6% | ||
| Q1 25 | 1.7% | 3.2% | ||
| Q4 24 | 1.4% | 2.6% | ||
| Q3 24 | 1.6% | 4.1% | ||
| Q2 24 | 1.8% | 2.2% |
现金转化率ENVARBC
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 1.81× | ||
| Q3 25 | 6.00× | 1.47× | ||
| Q2 25 | 5.87× | 1.75× | ||
| Q1 25 | 5.36× | — | ||
| Q4 24 | 6.76× | 1.45× | ||
| Q3 24 | 9.18× | — | ||
| Q2 24 | 6.70× | 1.59× |
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
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
