vs
Enova International, Inc.（ENVA）与Rivian Automotive, Inc.（RIVN）财务数据对比。点击上方公司名可切换其他公司
Rivian Automotive, Inc.的季度营收约是Enova International, Inc.的1.5倍（$1.3B vs $875.1M），Enova International, Inc.净利率更高（10.4% vs -63.1%，领先73.5%），Enova International, Inc.同比增速更快（17.4% vs -25.8%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 3.3%）
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。
Rivian Automotive是2009年成立的美国电动汽车制造商及汽车科技企业，主打基于自研滑板平台打造的电动SUV、皮卡及EDV电动配送货车，旗下R1T皮卡于2021年末正式开启交付，还计划于2023年底前在美国和加拿大布局专属充电网络，其平台可适配新车型也可对外授权使用。
ENVA vs RIVN — 直观对比
营收规模更大
RIVN
是对方的1.5倍
$875.1M
营收增速更快
ENVA
高出43.2%
-25.8%
净利率更高
ENVA
高出73.5%
-63.1%
两年增速更快
ENVA
近两年复合增速
3.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.3B |
| 净利润 | $91.1M | $-811.0M |
| 毛利率 | — | 9.3% |
| 营业利润率 | 23.7% | -64.8% |
| 净利率 | 10.4% | -63.1% |
| 营收同比 | 17.4% | -25.8% |
| 净利润同比 | 24.9% | -9.0% |
| 每股收益（稀释后） | $3.46 | $-0.66 |
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ENVARIVN
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.3B | ||
| Q3 25 | $802.7M | $1.6B | ||
| Q2 25 | $764.0M | $1.3B | ||
| Q1 25 | $745.5M | $1.2B | ||
| Q4 24 | $729.6M | $1.7B | ||
| Q3 24 | $689.9M | $874.0M | ||
| Q2 24 | $628.4M | $1.2B |
净利润ENVARIVN
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $-811.0M | ||
| Q3 25 | $80.3M | $-1.2B | ||
| Q2 25 | $76.1M | $-1.1B | ||
| Q1 25 | $72.9M | $-545.0M | ||
| Q4 24 | $63.7M | $-744.0M | ||
| Q3 24 | $43.4M | $-1.1B | ||
| Q2 24 | $53.9M | $-1.5B |
毛利率ENVARIVN
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 9.3% | ||
| Q3 25 | 57.4% | 1.5% | ||
| Q2 25 | 57.8% | -15.8% | ||
| Q1 25 | 57.2% | 16.6% | ||
| Q4 24 | 56.6% | 9.8% | ||
| Q3 24 | 58.0% | -44.9% | ||
| Q2 24 | 58.9% | -38.9% |
营业利润率ENVARIVN
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | -64.8% | ||
| Q3 25 | 24.5% | -63.1% | ||
| Q2 25 | 24.1% | -85.5% | ||
| Q1 25 | 23.1% | -52.8% | ||
| Q4 24 | 21.3% | -38.1% | ||
| Q3 24 | 22.3% | -133.8% | ||
| Q2 24 | 23.1% | -118.7% |
净利率ENVARIVN
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | -63.1% | ||
| Q3 25 | 10.0% | -75.3% | ||
| Q2 25 | 10.0% | -85.7% | ||
| Q1 25 | 9.8% | -44.0% | ||
| Q4 24 | 8.7% | -42.9% | ||
| Q3 24 | 6.3% | -125.9% | ||
| Q2 24 | 8.6% | -125.8% |
每股收益（稀释后）ENVARIVN
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $-0.66 | ||
| Q3 25 | $3.03 | $-0.96 | ||
| Q2 25 | $2.86 | $-0.97 | ||
| Q1 25 | $2.69 | $-0.48 | ||
| Q4 24 | $2.29 | $-0.67 | ||
| Q3 24 | $1.57 | $-1.08 | ||
| Q2 24 | $1.93 | $-1.46 |
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 | $6.1B |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $4.6B |
| 总资产 | $6.9B | $14.9B |
| 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ENVARIVN
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $6.1B | ||
| Q3 25 | $53.6M | $7.1B | ||
| Q2 25 | $55.6M | $7.5B | ||
| Q1 25 | $55.5M | $7.2B | ||
| Q4 24 | $73.9M | $7.7B | ||
| Q3 24 | $67.5M | $6.7B | ||
| Q2 24 | $60.1M | $7.9B |
总债务ENVARIVN
| 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 | $5.5B |
股东权益ENVARIVN
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $4.6B | ||
| Q3 25 | $1.3B | $5.1B | ||
| Q2 25 | $1.2B | $6.1B | ||
| Q1 25 | $1.2B | $6.2B | ||
| Q4 24 | $1.2B | $6.6B | ||
| Q3 24 | $1.2B | $5.9B | ||
| Q2 24 | $1.1B | $6.8B |
总资产ENVARIVN
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $14.9B | ||
| Q3 25 | $6.0B | $15.2B | ||
| Q2 25 | $5.7B | $15.6B | ||
| Q1 25 | $5.5B | $15.5B | ||
| Q4 24 | $5.3B | $15.4B | ||
| Q3 24 | $5.0B | $14.3B | ||
| Q2 24 | $4.8B | $15.4B |
负债/权益比ENVARIVN
| 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× | 0.81× |
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 | — | $-681.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.1B |
| 自由现金流率自由现金流/营收 | — | -89.0% |
| 资本支出强度资本支出/营收 | — | 36.0% |
| 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 | — | $-2.5B |
8季度趋势，按日历期对齐
经营现金流ENVARIVN
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $-681.0M | ||
| Q3 25 | $481.8M | $26.0M | ||
| Q2 25 | $447.4M | $64.0M | ||
| Q1 25 | $391.1M | $-188.0M | ||
| Q4 24 | $430.5M | $1.2B | ||
| Q3 24 | $398.6M | $-876.0M | ||
| Q2 24 | $360.9M | $-754.0M |
自由现金流ENVARIVN
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $-1.1B | ||
| Q3 25 | $470.5M | $-421.0M | ||
| Q2 25 | $436.1M | $-398.0M | ||
| Q1 25 | $378.3M | $-526.0M | ||
| Q4 24 | $420.3M | $856.0M | ||
| Q3 24 | $387.6M | $-1.2B | ||
| Q2 24 | $349.9M | $-1.0B |
自由现金流率ENVARIVN
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | -89.0% | ||
| Q3 25 | 58.6% | -27.0% | ||
| Q2 25 | 57.1% | -30.5% | ||
| Q1 25 | 50.7% | -42.4% | ||
| Q4 24 | 57.6% | 49.4% | ||
| Q3 24 | 56.2% | -131.9% | ||
| Q2 24 | 55.7% | -89.6% |
资本支出强度ENVARIVN
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 36.0% | ||
| Q3 25 | 1.4% | 28.7% | ||
| Q2 25 | 1.5% | 35.5% | ||
| Q1 25 | 1.7% | 27.3% | ||
| Q4 24 | 1.4% | 18.9% | ||
| Q3 24 | 1.6% | 31.7% | ||
| Q2 24 | 1.8% | 24.4% |
现金转化率ENVARIVN
| 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
业务分部营收拆解
ENVA
暂无分部数据
RIVN
| Automotive Segment | $839.0M | 65% |
| Software And Services Segment | $447.0M | 35% |
| Regulatory Credits | $30.0M | 2% |
