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Enova International, Inc.（ENVA）与Reddit, Inc.（RDDT）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Reddit, Inc.的1.3倍（$875.1M vs $663.0M），Reddit, Inc.净利率更高（30.8% vs 10.4%，领先20.4%），Reddit, Inc.同比增速更快（69.0% vs 17.4%），过去两年Reddit, Inc.的营收复合增速更高（53.6% 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。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
ENVA vs RDDT — 直观对比
营收规模更大
ENVA
是对方的1.3倍
$663.0M
营收增速更快
RDDT
高出51.6%
17.4%
净利率更高
RDDT
高出20.4%
10.4%
两年增速更快
RDDT
近两年复合增速
18.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $663.0M |
| 净利润 | $91.1M | $204.0M |
| 毛利率 | — | 100.0% |
| 营业利润率 | 23.7% | 0.0% |
| 净利率 | 10.4% | 30.8% |
| 营收同比 | 17.4% | 69.0% |
| 净利润同比 | 24.9% | 680.0% |
| 每股收益（稀释后） | $3.46 | $1.01 |
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ENVARDDT
| Q1 26 | $875.1M | $663.0M | ||
| Q4 25 | $839.4M | $725.6M | ||
| Q3 25 | $802.7M | $584.9M | ||
| Q2 25 | $764.0M | $499.6M | ||
| Q1 25 | $745.5M | $392.4M | ||
| Q4 24 | $729.6M | $427.7M | ||
| Q3 24 | $689.9M | $348.4M | ||
| Q2 24 | $628.4M | $281.2M |
净利润ENVARDDT
| Q1 26 | $91.1M | $204.0M | ||
| Q4 25 | $79.0M | $251.6M | ||
| Q3 25 | $80.3M | $162.7M | ||
| Q2 25 | $76.1M | $89.3M | ||
| Q1 25 | $72.9M | $26.2M | ||
| Q4 24 | $63.7M | $71.0M | ||
| Q3 24 | $43.4M | $29.9M | ||
| Q2 24 | $53.9M | $-10.1M |
毛利率ENVARDDT
| Q1 26 | — | 100.0% | ||
| Q4 25 | 59.8% | 91.9% | ||
| Q3 25 | 57.4% | 91.0% | ||
| Q2 25 | 57.8% | 90.8% | ||
| Q1 25 | 57.2% | 90.5% | ||
| Q4 24 | 56.6% | 92.6% | ||
| Q3 24 | 58.0% | 90.1% | ||
| Q2 24 | 58.9% | 89.5% |
营业利润率ENVARDDT
| Q1 26 | 23.7% | 0.0% | ||
| Q4 25 | 22.2% | 31.9% | ||
| Q3 25 | 24.5% | 23.7% | ||
| Q2 25 | 24.1% | 13.6% | ||
| Q1 25 | 23.1% | 1.0% | ||
| Q4 24 | 21.3% | 12.4% | ||
| Q3 24 | 22.3% | 2.0% | ||
| Q2 24 | 23.1% | -11.0% |
净利率ENVARDDT
| Q1 26 | 10.4% | 30.8% | ||
| Q4 25 | 9.4% | 34.7% | ||
| Q3 25 | 10.0% | 27.8% | ||
| Q2 25 | 10.0% | 17.9% | ||
| Q1 25 | 9.8% | 6.7% | ||
| Q4 24 | 8.7% | 16.6% | ||
| Q3 24 | 6.3% | 8.6% | ||
| Q2 24 | 8.6% | -3.6% |
每股收益（稀释后）ENVARDDT
| Q1 26 | $3.46 | $1.01 | ||
| Q4 25 | $2.94 | $1.24 | ||
| Q3 25 | $3.03 | $0.80 | ||
| Q2 25 | $2.86 | $0.45 | ||
| Q1 25 | $2.69 | $0.13 | ||
| Q4 24 | $2.29 | $4.76 | ||
| Q3 24 | $1.57 | $0.16 | ||
| Q2 24 | $1.93 | $-0.06 |
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 | $1.4B |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $3.2B |
| 总资产 | $6.9B | $3.5B |
| 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ENVARDDT
| Q1 26 | $96.1M | $1.4B | ||
| Q4 25 | $71.7M | $953.6M | ||
| Q3 25 | $53.6M | $911.7M | ||
| Q2 25 | $55.6M | $734.1M | ||
| Q1 25 | $55.5M | $635.7M | ||
| Q4 24 | $73.9M | $562.1M | ||
| Q3 24 | $67.5M | $515.9M | ||
| Q2 24 | $60.1M | $468.0M |
总债务ENVARDDT
| 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ENVARDDT
| Q1 26 | — | $3.2B | ||
| Q4 25 | $1.3B | $2.9B | ||
| Q3 25 | $1.3B | $2.6B | ||
| Q2 25 | $1.2B | $2.4B | ||
| Q1 25 | $1.2B | $2.2B | ||
| Q4 24 | $1.2B | $2.1B | ||
| Q3 24 | $1.2B | $2.0B | ||
| Q2 24 | $1.1B | $1.9B |
总资产ENVARDDT
| Q1 26 | $6.9B | $3.5B | ||
| Q4 25 | $6.5B | $3.2B | ||
| Q3 25 | $6.0B | $2.9B | ||
| Q2 25 | $5.7B | $2.6B | ||
| Q1 25 | $5.5B | $2.4B | ||
| Q4 24 | $5.3B | $2.3B | ||
| Q3 24 | $5.0B | $2.2B | ||
| Q2 24 | $4.8B | $2.1B |
负债/权益比ENVARDDT
| 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 | — | — |
| 自由现金流经营现金流 - 资本支出 | — | $311.0M |
| 自由现金流率自由现金流/营收 | — | 46.9% |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | $868.6M |
8季度趋势，按日历期对齐
经营现金流ENVARDDT
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $266.8M | ||
| Q3 25 | $481.8M | $185.2M | ||
| Q2 25 | $447.4M | $111.3M | ||
| Q1 25 | $391.1M | $127.6M | ||
| Q4 24 | $430.5M | $90.0M | ||
| Q3 24 | $398.6M | $71.6M | ||
| Q2 24 | $360.9M | $28.4M |
自由现金流ENVARDDT
| Q1 26 | — | $311.0M | ||
| Q4 25 | $487.1M | $263.6M | ||
| Q3 25 | $470.5M | $183.1M | ||
| Q2 25 | $436.1M | $110.8M | ||
| Q1 25 | $378.3M | $126.6M | ||
| Q4 24 | $420.3M | $89.2M | ||
| Q3 24 | $387.6M | $70.3M | ||
| Q2 24 | $349.9M | $27.2M |
自由现金流率ENVARDDT
| Q1 26 | — | 46.9% | ||
| Q4 25 | 58.0% | 36.3% | ||
| Q3 25 | 58.6% | 31.3% | ||
| Q2 25 | 57.1% | 22.2% | ||
| Q1 25 | 50.7% | 32.3% | ||
| Q4 24 | 57.6% | 20.8% | ||
| Q3 24 | 56.2% | 20.2% | ||
| Q2 24 | 55.7% | 9.7% |
资本支出强度ENVARDDT
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 0.4% | ||
| Q3 25 | 1.4% | 0.4% | ||
| Q2 25 | 1.5% | 0.1% | ||
| Q1 25 | 1.7% | 0.2% | ||
| Q4 24 | 1.4% | 0.2% | ||
| Q3 24 | 1.6% | 0.4% | ||
| Q2 24 | 1.8% | 0.4% |
现金转化率ENVARDDT
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 1.06× | ||
| Q3 25 | 6.00× | 1.14× | ||
| Q2 25 | 5.87× | 1.25× | ||
| Q1 25 | 5.36× | 4.88× | ||
| Q4 24 | 6.76× | 1.27× | ||
| Q3 24 | 9.18× | 2.40× | ||
| 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
