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Enova International, Inc.（ENVA）与瑞思迈（RMD）财务数据对比。点击上方公司名可切换其他公司
瑞思迈的季度营收约是Enova International, Inc.的1.6倍（$1.4B vs $875.1M），瑞思迈净利率更高（27.6% vs 10.4%，领先17.2%），Enova International, Inc.同比增速更快（17.4% vs 11.0%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 9.0%）
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。
瑞思迈是一家起源于澳大利亚、总部位于美国加利福尼亚州圣迭戈的医疗设备企业，主打可接入云端的呼吸类医疗设备，用于治疗睡眠呼吸暂停、慢性阻塞性肺病等呼吸道疾病，新冠疫情期间曾大量生产呼吸机等设备助力患者救治。
ENVA vs RMD — 直观对比
营收规模更大
RMD
是对方的1.6倍
$875.1M
营收增速更快
ENVA
高出6.4%
11.0%
净利率更高
RMD
高出17.2%
10.4%
两年增速更快
ENVA
近两年复合增速
9.0%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.4B |
| 净利润 | $91.1M | $392.6M |
| 毛利率 | — | 61.8% |
| 营业利润率 | 23.7% | 34.6% |
| 净利率 | 10.4% | 27.6% |
| 营收同比 | 17.4% | 11.0% |
| 净利润同比 | 24.9% | 13.9% |
| 每股收益（稀释后） | $3.46 | $2.68 |
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ENVARMD
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.4B | ||
| Q3 25 | $802.7M | $1.3B | ||
| Q2 25 | $764.0M | $1.3B | ||
| Q1 25 | $745.5M | $1.3B | ||
| Q4 24 | $729.6M | $1.3B | ||
| Q3 24 | $689.9M | $1.2B | ||
| Q2 24 | $628.4M | $1.2B |
净利润ENVARMD
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $392.6M | ||
| Q3 25 | $80.3M | $348.5M | ||
| Q2 25 | $76.1M | $379.7M | ||
| Q1 25 | $72.9M | $365.0M | ||
| Q4 24 | $63.7M | $344.6M | ||
| Q3 24 | $43.4M | $311.4M | ||
| Q2 24 | $53.9M | $292.2M |
毛利率ENVARMD
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 61.8% | ||
| Q3 25 | 57.4% | 61.5% | ||
| Q2 25 | 57.8% | 60.8% | ||
| Q1 25 | 57.2% | 59.3% | ||
| Q4 24 | 56.6% | 58.6% | ||
| Q3 24 | 58.0% | 58.6% | ||
| Q2 24 | 58.9% | 58.5% |
营业利润率ENVARMD
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 34.6% | ||
| Q3 25 | 24.5% | 33.4% | ||
| Q2 25 | 24.1% | 33.7% | ||
| Q1 25 | 23.1% | 33.0% | ||
| Q4 24 | 21.3% | 32.5% | ||
| Q3 24 | 22.3% | 31.6% | ||
| Q2 24 | 23.1% | 31.2% |
净利率ENVARMD
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 27.6% | ||
| Q3 25 | 10.0% | 26.1% | ||
| Q2 25 | 10.0% | 28.2% | ||
| Q1 25 | 9.8% | 28.3% | ||
| Q4 24 | 8.7% | 26.9% | ||
| Q3 24 | 6.3% | 25.4% | ||
| Q2 24 | 8.6% | 23.9% |
每股收益（稀释后）ENVARMD
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $2.68 | ||
| Q3 25 | $3.03 | $2.37 | ||
| Q2 25 | $2.86 | $2.58 | ||
| Q1 25 | $2.69 | $2.48 | ||
| Q4 24 | $2.29 | $2.34 | ||
| Q3 24 | $1.57 | $2.11 | ||
| Q2 24 | $1.93 | $1.97 |
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 | $403.9M |
| 股东权益账面价值 | — | $6.3B |
| 总资产 | $6.9B | $8.5B |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资ENVARMD
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $1.4B | ||
| Q3 25 | $53.6M | $1.4B | ||
| Q2 25 | $55.6M | $1.2B | ||
| Q1 25 | $55.5M | $932.7M | ||
| Q4 24 | $73.9M | $521.9M | ||
| Q3 24 | $67.5M | $426.4M | ||
| Q2 24 | $60.1M | $238.4M |
总债务ENVARMD
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $403.9M | ||
| Q3 25 | $4.1B | $408.7M | ||
| Q2 25 | $4.0B | $658.4M | ||
| Q1 25 | $3.8B | $663.1M | ||
| Q4 24 | $3.6B | $662.9M | ||
| Q3 24 | $3.3B | $667.6M | ||
| Q2 24 | $3.2B | $697.3M |
股东权益ENVARMD
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $6.3B | ||
| Q3 25 | $1.3B | $6.1B | ||
| Q2 25 | $1.2B | $6.0B | ||
| Q1 25 | $1.2B | $5.5B | ||
| Q4 24 | $1.2B | $5.3B | ||
| Q3 24 | $1.2B | $5.2B | ||
| Q2 24 | $1.1B | $4.9B |
总资产ENVARMD
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $8.5B | ||
| Q3 25 | $6.0B | $8.3B | ||
| Q2 25 | $5.7B | $8.2B | ||
| Q1 25 | $5.5B | $7.6B | ||
| Q4 24 | $5.3B | $7.1B | ||
| Q3 24 | $5.0B | $7.2B | ||
| Q2 24 | $4.8B | $6.9B |
负债/权益比ENVARMD
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.06× | ||
| Q3 25 | 3.20× | 0.07× | ||
| Q2 25 | 3.23× | 0.11× | ||
| Q1 25 | 3.14× | 0.12× | ||
| Q4 24 | 2.98× | 0.13× | ||
| Q3 24 | 2.79× | 0.13× | ||
| Q2 24 | 2.78× | 0.14× |
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 | — | $339.7M |
| 自由现金流经营现金流 - 资本支出 | — | $311.2M |
| 自由现金流率自由现金流/营收 | — | 21.9% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | 0.87× |
| 过去12个月自由现金流最近4个季度 | — | $1.8B |
8季度趋势，按日历期对齐
经营现金流ENVARMD
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $339.7M | ||
| Q3 25 | $481.8M | $457.3M | ||
| Q2 25 | $447.4M | $538.8M | ||
| Q1 25 | $391.1M | $578.7M | ||
| Q4 24 | $430.5M | $308.6M | ||
| Q3 24 | $398.6M | $325.5M | ||
| Q2 24 | $360.9M | $440.1M |
自由现金流ENVARMD
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $311.2M | ||
| Q3 25 | $470.5M | $414.4M | ||
| Q2 25 | $436.1M | $508.2M | ||
| Q1 25 | $378.3M | $557.9M | ||
| Q4 24 | $420.3M | $288.0M | ||
| Q3 24 | $387.6M | $307.7M | ||
| Q2 24 | $349.9M | $415.2M |
自由现金流率ENVARMD
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 21.9% | ||
| Q3 25 | 58.6% | 31.0% | ||
| Q2 25 | 57.1% | 37.7% | ||
| Q1 25 | 50.7% | 43.2% | ||
| Q4 24 | 57.6% | 22.5% | ||
| Q3 24 | 56.2% | 25.1% | ||
| Q2 24 | 55.7% | 33.9% |
资本支出强度ENVARMD
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 2.0% | ||
| Q3 25 | 1.4% | 3.2% | ||
| Q2 25 | 1.5% | 2.3% | ||
| Q1 25 | 1.7% | 1.6% | ||
| Q4 24 | 1.4% | 1.6% | ||
| Q3 24 | 1.6% | 1.5% | ||
| Q2 24 | 1.8% | 2.0% |
现金转化率ENVARMD
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 0.87× | ||
| Q3 25 | 6.00× | 1.31× | ||
| Q2 25 | 5.87× | 1.42× | ||
| Q1 25 | 5.36× | 1.59× | ||
| Q4 24 | 6.76× | 0.90× | ||
| Q3 24 | 9.18× | 1.05× | ||
| Q2 24 | 6.70× | 1.51× |
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
RMD
| Sleep And Breathing Health | $1.3B | 88% |
| Residential Care Software | $166.9M | 12% |
