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Enova International, Inc.（ENVA）与罗布乐思（RBLX）财务数据对比。点击上方公司名可切换其他公司
罗布乐思的季度营收约是Enova International, Inc.的1.6倍（$1.4B vs $875.1M），Enova International, Inc.净利率更高（10.4% vs -22.3%，领先32.7%），罗布乐思同比增速更快（43.2% vs 17.4%），过去两年罗布乐思的营收复合增速更高（32.9% 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。
罗布乐思（Roblox Corporation）是总部位于美国加利福尼亚州圣马特奥的游戏企业，由大卫·巴斯祖奇与埃里克·卡塞尔于2004年共同创立。公司核心产品为同名线上游戏创作平台Roblox，于2006年正式上线，截至2024年12月底全球员工规模已超2400人。
ENVA vs RBLX — 直观对比
营收规模更大
RBLX
是对方的1.6倍
$875.1M
营收增速更快
RBLX
高出25.8%
17.4%
净利率更高
ENVA
高出32.7%
-22.3%
两年增速更快
RBLX
近两年复合增速
18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.4B |
| 净利润 | $91.1M | $-316.0M |
| 毛利率 | — | 77.7% |
| 营业利润率 | 23.7% | -25.3% |
| 净利率 | 10.4% | -22.3% |
| 营收同比 | 17.4% | 43.2% |
| 净利润同比 | 24.9% | -43.9% |
| 每股收益（稀释后） | $3.46 | $-0.44 |
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ENVARBLX
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.4B | ||
| Q3 25 | $802.7M | $1.4B | ||
| Q2 25 | $764.0M | $1.1B | ||
| Q1 25 | $745.5M | $1.0B | ||
| Q4 24 | $729.6M | $988.2M | ||
| Q3 24 | $689.9M | $919.0M | ||
| Q2 24 | $628.4M | $893.5M |
净利润ENVARBLX
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $-316.0M | ||
| Q3 25 | $80.3M | $-255.6M | ||
| Q2 25 | $76.1M | $-278.4M | ||
| Q1 25 | $72.9M | $-215.1M | ||
| Q4 24 | $63.7M | $-219.6M | ||
| Q3 24 | $43.4M | $-239.3M | ||
| Q2 24 | $53.9M | $-205.9M |
毛利率ENVARBLX
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 77.7% | ||
| Q3 25 | 57.4% | 78.2% | ||
| Q2 25 | 57.8% | 78.2% | ||
| Q1 25 | 57.2% | 78.3% | ||
| Q4 24 | 56.6% | 77.9% | ||
| Q3 24 | 58.0% | 77.7% | ||
| Q2 24 | 58.9% | 77.8% |
营业利润率ENVARBLX
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | -25.3% | ||
| Q3 25 | 24.5% | -21.8% | ||
| Q2 25 | 24.1% | -29.8% | ||
| Q1 25 | 23.1% | -24.6% | ||
| Q4 24 | 21.3% | -24.7% | ||
| Q3 24 | 22.3% | -30.4% | ||
| Q2 24 | 23.1% | -26.6% |
净利率ENVARBLX
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | -22.3% | ||
| Q3 25 | 10.0% | -18.8% | ||
| Q2 25 | 10.0% | -25.8% | ||
| Q1 25 | 9.8% | -20.8% | ||
| Q4 24 | 8.7% | -22.2% | ||
| Q3 24 | 6.3% | -26.0% | ||
| Q2 24 | 8.6% | -23.0% |
每股收益（稀释后）ENVARBLX
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $-0.44 | ||
| Q3 25 | $3.03 | $-0.37 | ||
| Q2 25 | $2.86 | $-0.41 | ||
| Q1 25 | $2.69 | $-0.32 | ||
| Q4 24 | $2.29 | $-0.32 | ||
| Q3 24 | $1.57 | $-0.37 | ||
| Q2 24 | $1.93 | $-0.32 |
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 | $3.1B |
| 总债务越低越好 | $4.8B | $1.2B |
| 股东权益账面价值 | — | $394.5M |
| 总资产 | $6.9B | $9.6B |
| 负债/权益比越低杠杆越低 | — | 2.98× |
8季度趋势，按日历期对齐
现金及短期投资ENVARBLX
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $3.1B | ||
| Q3 25 | $53.6M | $2.9B | ||
| Q2 25 | $55.6M | $2.6B | ||
| Q1 25 | $55.5M | $2.7B | ||
| Q4 24 | $73.9M | $2.4B | ||
| Q3 24 | $67.5M | $2.3B | ||
| Q2 24 | $60.1M | $2.4B |
总债务ENVARBLX
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $1.2B | ||
| Q3 25 | $4.1B | — | ||
| Q2 25 | $4.0B | — | ||
| Q1 25 | $3.8B | — | ||
| Q4 24 | $3.6B | $1.2B | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $3.2B | — |
股东权益ENVARBLX
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $394.5M | ||
| Q3 25 | $1.3B | $407.6M | ||
| Q2 25 | $1.2B | $353.2M | ||
| Q1 25 | $1.2B | $310.7M | ||
| Q4 24 | $1.2B | $221.4M | ||
| Q3 24 | $1.2B | $189.9M | ||
| Q2 24 | $1.1B | $121.5M |
总资产ENVARBLX
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $9.6B | ||
| Q3 25 | $6.0B | $8.6B | ||
| Q2 25 | $5.7B | $7.8B | ||
| Q1 25 | $5.5B | $7.5B | ||
| Q4 24 | $5.3B | $7.2B | ||
| Q3 24 | $5.0B | $6.7B | ||
| Q2 24 | $4.8B | $6.5B |
负债/权益比ENVARBLX
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 2.98× | ||
| Q3 25 | 3.20× | — | ||
| Q2 25 | 3.23× | — | ||
| Q1 25 | 3.14× | — | ||
| Q4 24 | 2.98× | 5.48× | ||
| 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 | — | $607.0M |
| 自由现金流经营现金流 - 资本支出 | — | $308.6M |
| 自由现金流率自由现金流/营收 | — | 21.8% |
| 资本支出强度资本支出/营收 | — | 21.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $1.4B |
8季度趋势，按日历期对齐
经营现金流ENVARBLX
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $607.0M | ||
| Q3 25 | $481.8M | $546.2M | ||
| Q2 25 | $447.4M | $199.3M | ||
| Q1 25 | $391.1M | $443.9M | ||
| Q4 24 | $430.5M | $184.5M | ||
| Q3 24 | $398.6M | $247.4M | ||
| Q2 24 | $360.9M | $151.4M |
自由现金流ENVARBLX
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $308.6M | ||
| Q3 25 | $470.5M | $443.6M | ||
| Q2 25 | $436.1M | $176.7M | ||
| Q1 25 | $378.3M | $426.5M | ||
| Q4 24 | $420.3M | $120.6M | ||
| Q3 24 | $387.6M | $218.0M | ||
| Q2 24 | $349.9M | $111.7M |
自由现金流率ENVARBLX
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 21.8% | ||
| Q3 25 | 58.6% | 32.6% | ||
| Q2 25 | 57.1% | 16.3% | ||
| Q1 25 | 50.7% | 41.2% | ||
| Q4 24 | 57.6% | 12.2% | ||
| Q3 24 | 56.2% | 23.7% | ||
| Q2 24 | 55.7% | 12.5% |
资本支出强度ENVARBLX
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 21.1% | ||
| Q3 25 | 1.4% | 7.5% | ||
| Q2 25 | 1.5% | 2.1% | ||
| Q1 25 | 1.7% | 1.7% | ||
| Q4 24 | 1.4% | 6.5% | ||
| Q3 24 | 1.6% | 3.2% | ||
| Q2 24 | 1.8% | 4.4% |
现金转化率ENVARBLX
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | — | ||
| Q3 25 | 6.00× | — | ||
| Q2 25 | 5.87× | — | ||
| Q1 25 | 5.36× | — | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 9.18× | — | ||
| Q2 24 | 6.70× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
