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Enova International, Inc.（ENVA）与Royalty Pharma plc（RPRX）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Royalty Pharma plc的1.4倍（$875.1M vs $622.0M），Royalty Pharma plc净利率更高（34.4% vs 10.4%，领先24.0%），Enova International, Inc.同比增速更快（17.4% vs 4.8%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs 4.6%）
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。
本公司是总部位于美国马萨诸塞州剑桥市的临床阶段生物制药企业，专注于研发可调节转化生长因子β（TGF-β）超家族蛋白的药物，该类蛋白在红细胞、肌肉、骨骼、血管等细胞与组织的生长修复过程中发挥核心作用。
ENVA vs RPRX — 直观对比
营收规模更大
ENVA
是对方的1.4倍
$622.0M
营收增速更快
ENVA
高出12.6%
4.8%
净利率更高
RPRX
高出24.0%
10.4%
两年增速更快
ENVA
近两年复合增速
4.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $622.0M |
| 净利润 | $91.1M | $214.2M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | 62.4% |
| 净利率 | 10.4% | 34.4% |
| 营收同比 | 17.4% | 4.8% |
| 净利润同比 | 24.9% | 2.9% |
| 每股收益（稀释后） | $3.46 | $0.49 |
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ENVARPRX
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $622.0M | ||
| Q3 25 | $802.7M | $609.3M | ||
| Q2 25 | $764.0M | $578.7M | ||
| Q1 25 | $745.5M | $568.2M | ||
| Q4 24 | $729.6M | $593.6M | ||
| Q3 24 | $689.9M | $564.7M | ||
| Q2 24 | $628.4M | $537.3M |
净利润ENVARPRX
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $214.2M | ||
| Q3 25 | $80.3M | $288.2M | ||
| Q2 25 | $76.1M | $30.2M | ||
| Q1 25 | $72.9M | $238.3M | ||
| Q4 24 | $63.7M | $208.2M | ||
| Q3 24 | $43.4M | $544.0M | ||
| Q2 24 | $53.9M | $102.0M |
毛利率ENVARPRX
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | — | ||
| Q3 25 | 57.4% | — | ||
| Q2 25 | 57.8% | — | ||
| Q1 25 | 57.2% | — | ||
| Q4 24 | 56.6% | — | ||
| Q3 24 | 58.0% | — | ||
| Q2 24 | 58.9% | — |
营业利润率ENVARPRX
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 62.4% | ||
| Q3 25 | 24.5% | 70.1% | ||
| Q2 25 | 24.1% | 36.3% | ||
| Q1 25 | 23.1% | 94.0% | ||
| Q4 24 | 21.3% | 60.9% | ||
| Q3 24 | 22.3% | — | ||
| Q2 24 | 23.1% | 50.2% |
净利率ENVARPRX
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 34.4% | ||
| Q3 25 | 10.0% | 47.3% | ||
| Q2 25 | 10.0% | 5.2% | ||
| Q1 25 | 9.8% | 41.9% | ||
| Q4 24 | 8.7% | 35.1% | ||
| Q3 24 | 6.3% | 96.3% | ||
| Q2 24 | 8.6% | 19.0% |
每股收益（稀释后）ENVARPRX
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.49 | ||
| Q3 25 | $3.03 | $0.67 | ||
| Q2 25 | $2.86 | $0.07 | ||
| Q1 25 | $2.69 | $0.55 | ||
| Q4 24 | $2.29 | $0.46 | ||
| Q3 24 | $1.57 | $1.21 | ||
| Q2 24 | $1.93 | $0.23 |
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 | $618.7M |
| 总债务越低越好 | $4.8B | $9.0B |
| 股东权益账面价值 | — | $9.7B |
| 总资产 | $6.9B | $19.6B |
| 负债/权益比越低杠杆越低 | — | 0.92× |
8季度趋势，按日历期对齐
现金及短期投资ENVARPRX
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $618.7M | ||
| Q3 25 | $53.6M | $938.9M | ||
| Q2 25 | $55.6M | $631.9M | ||
| Q1 25 | $55.5M | $1.1B | ||
| Q4 24 | $73.9M | $929.0M | ||
| Q3 24 | $67.5M | $950.1M | ||
| Q2 24 | $60.1M | $1.8B |
总债务ENVARPRX
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $9.0B | ||
| Q3 25 | $4.1B | $8.9B | ||
| Q2 25 | $4.0B | $8.0B | ||
| Q1 25 | $3.8B | $7.6B | ||
| Q4 24 | $3.6B | $7.6B | ||
| Q3 24 | $3.3B | $7.6B | ||
| Q2 24 | $3.2B | $7.6B |
股东权益ENVARPRX
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $9.7B | ||
| Q3 25 | $1.3B | $9.6B | ||
| Q2 25 | $1.2B | $9.5B | ||
| Q1 25 | $1.2B | $9.8B | ||
| Q4 24 | $1.2B | $10.3B | ||
| Q3 24 | $1.2B | $10.3B | ||
| Q2 24 | $1.1B | $9.8B |
总资产ENVARPRX
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $19.6B | ||
| Q3 25 | $6.0B | $19.3B | ||
| Q2 25 | $5.7B | $18.3B | ||
| Q1 25 | $5.5B | $17.6B | ||
| Q4 24 | $5.3B | $18.2B | ||
| Q3 24 | $5.0B | $18.0B | ||
| Q2 24 | $4.8B | $17.7B |
负债/权益比ENVARPRX
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.92× | ||
| Q3 25 | 3.20× | 0.93× | ||
| Q2 25 | 3.23× | 0.84× | ||
| Q1 25 | 3.14× | 0.78× | ||
| Q4 24 | 2.98× | 0.74× | ||
| Q3 24 | 2.79× | 0.74× | ||
| Q2 24 | 2.78× | 0.78× |
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 | — | $827.1M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 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 | — | 3.86× |
| 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ENVARPRX
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $827.1M | ||
| Q3 25 | $481.8M | $702.6M | ||
| Q2 25 | $447.4M | $364.0M | ||
| Q1 25 | $391.1M | $596.1M | ||
| Q4 24 | $430.5M | $742.5M | ||
| Q3 24 | $398.6M | $703.6M | ||
| Q2 24 | $360.9M | $658.2M |
自由现金流ENVARPRX
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | — | ||
| Q3 25 | $470.5M | — | ||
| Q2 25 | $436.1M | — | ||
| Q1 25 | $378.3M | — | ||
| Q4 24 | $420.3M | — | ||
| Q3 24 | $387.6M | — | ||
| Q2 24 | $349.9M | — |
自由现金流率ENVARPRX
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | — | ||
| Q3 25 | 58.6% | — | ||
| Q2 25 | 57.1% | — | ||
| Q1 25 | 50.7% | — | ||
| Q4 24 | 57.6% | — | ||
| Q3 24 | 56.2% | — | ||
| Q2 24 | 55.7% | — |
资本支出强度ENVARPRX
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 1.4% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 1.8% | — |
现金转化率ENVARPRX
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 3.86× | ||
| Q3 25 | 6.00× | 2.44× | ||
| Q2 25 | 5.87× | 12.06× | ||
| Q1 25 | 5.36× | 2.50× | ||
| Q4 24 | 6.76× | 3.57× | ||
| Q3 24 | 9.18× | 1.29× | ||
| Q2 24 | 6.70× | 6.45× |
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
RPRX
| Financial Royalty Assets | $592.4M | 95% |
| Royalty Income Other | $29.6M | 5% |
