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Enova International, Inc.（ENVA）与Sunrun Inc.（RUN）财务数据对比。点击上方公司名可切换其他公司
Sunrun Inc.的季度营收约是Enova International, Inc.的1.3倍（$1.2B vs $875.1M），Enova International, Inc.净利率更高（10.4% vs 8.9%，领先1.5%），Sunrun Inc.同比增速更快（123.5% vs 17.4%），过去两年Sunrun Inc.的营收复合增速更高（59.0% 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。
Sunrun Inc.是美国知名的光伏系统及电池储能产品供应商，业务以服务住宅客户为主，2007年成立，总部位于加利福尼亚州旧金山，致力于为家庭用户提供高效的清洁能源解决方案。
ENVA vs RUN — 直观对比
营收规模更大
RUN
是对方的1.3倍
$875.1M
营收增速更快
RUN
高出106.1%
17.4%
净利率更高
ENVA
高出1.5%
8.9%
两年增速更快
RUN
近两年复合增速
18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.2B |
| 净利润 | $91.1M | $103.6M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | 8.4% |
| 净利率 | 10.4% | 8.9% |
| 营收同比 | 17.4% | 123.5% |
| 净利润同比 | 24.9% | 103.7% |
| 每股收益（稀释后） | $3.46 | $0.38 |
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ENVARUN
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.2B | ||
| Q3 25 | $802.7M | $724.6M | ||
| Q2 25 | $764.0M | $569.3M | ||
| Q1 25 | $745.5M | $504.3M | ||
| Q4 24 | $729.6M | $518.5M | ||
| Q3 24 | $689.9M | $537.2M | ||
| Q2 24 | $628.4M | $523.9M |
净利润ENVARUN
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $103.6M | ||
| Q3 25 | $80.3M | $16.6M | ||
| Q2 25 | $76.1M | $279.8M | ||
| Q1 25 | $72.9M | $50.0M | ||
| Q4 24 | $63.7M | $-2.8B | ||
| Q3 24 | $43.4M | $-83.8M | ||
| Q2 24 | $53.9M | $139.1M |
毛利率ENVARUN
| 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ENVARUN
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 8.4% | ||
| Q3 25 | 24.5% | 0.5% | ||
| Q2 25 | 24.1% | -19.7% | ||
| Q1 25 | 23.1% | -22.8% | ||
| Q4 24 | 21.3% | -628.0% | ||
| Q3 24 | 22.3% | -23.8% | ||
| Q2 24 | 23.1% | -24.4% |
净利率ENVARUN
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 8.9% | ||
| Q3 25 | 10.0% | 2.3% | ||
| Q2 25 | 10.0% | 49.1% | ||
| Q1 25 | 9.8% | 9.9% | ||
| Q4 24 | 8.7% | -542.7% | ||
| Q3 24 | 6.3% | -15.6% | ||
| Q2 24 | 8.6% | 26.5% |
每股收益（稀释后）ENVARUN
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.38 | ||
| Q3 25 | $3.03 | $0.06 | ||
| Q2 25 | $2.86 | $1.07 | ||
| Q1 25 | $2.69 | $0.20 | ||
| Q4 24 | $2.29 | $-12.59 | ||
| Q3 24 | $1.57 | $-0.37 | ||
| Q2 24 | $1.93 | $0.55 |
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 | — |
| 总债务越低越好 | $4.8B | $14.7B |
| 股东权益账面价值 | — | $3.1B |
| 总资产 | $6.9B | $22.6B |
| 负债/权益比越低杠杆越低 | — | 4.69× |
8季度趋势，按日历期对齐
现金及短期投资ENVARUN
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | — | ||
| Q3 25 | $53.6M | — | ||
| Q2 25 | $55.6M | — | ||
| Q1 25 | $55.5M | — | ||
| Q4 24 | $73.9M | — | ||
| Q3 24 | $67.5M | — | ||
| Q2 24 | $60.1M | — |
总债务ENVARUN
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $14.7B | ||
| Q3 25 | $4.1B | $14.6B | ||
| Q2 25 | $4.0B | $14.0B | ||
| Q1 25 | $3.8B | $13.6B | ||
| Q4 24 | $3.6B | $12.9B | ||
| Q3 24 | $3.3B | $12.5B | ||
| Q2 24 | $3.2B | $12.0B |
股东权益ENVARUN
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $3.1B | ||
| Q3 25 | $1.3B | $3.0B | ||
| Q2 25 | $1.2B | $2.9B | ||
| Q1 25 | $1.2B | $2.6B | ||
| Q4 24 | $1.2B | $2.6B | ||
| Q3 24 | $1.2B | $5.3B | ||
| Q2 24 | $1.1B | $5.4B |
总资产ENVARUN
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $22.6B | ||
| Q3 25 | $6.0B | $22.2B | ||
| Q2 25 | $5.7B | $21.2B | ||
| Q1 25 | $5.5B | $20.4B | ||
| Q4 24 | $5.3B | $19.9B | ||
| Q3 24 | $5.0B | $22.1B | ||
| Q2 24 | $4.8B | $21.4B |
负债/权益比ENVARUN
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 4.69× | ||
| Q3 25 | 3.20× | 4.90× | ||
| Q2 25 | 3.23× | 4.80× | ||
| Q1 25 | 3.14× | 5.19× | ||
| Q4 24 | 2.98× | 5.05× | ||
| Q3 24 | 2.79× | 2.36× | ||
| Q2 24 | 2.78× | 2.23× |
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 | — | $96.9M |
| 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 | — | 0.94× |
| 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ENVARUN
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $96.9M | ||
| Q3 25 | $481.8M | $-121.5M | ||
| Q2 25 | $447.4M | $-292.7M | ||
| Q1 25 | $391.1M | $-104.2M | ||
| Q4 24 | $430.5M | $-258.4M | ||
| Q3 24 | $398.6M | $-156.2M | ||
| Q2 24 | $360.9M | $-208.5M |
自由现金流ENVARUN
| 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 | $-156.4M | ||
| Q2 24 | $349.9M | — |
自由现金流率ENVARUN
| 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% | -29.1% | ||
| Q2 24 | 55.7% | — |
资本支出强度ENVARUN
| 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% | 0.0% | ||
| Q2 24 | 1.8% | — |
现金转化率ENVARUN
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 0.94× | ||
| Q3 25 | 6.00× | -7.33× | ||
| Q2 25 | 5.87× | -1.05× | ||
| Q1 25 | 5.36× | -2.08× | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 9.18× | — | ||
| Q2 24 | 6.70× | -1.50× |
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
RUN
| Products | $692.3M | 60% |
| Customer Agreements | $435.2M | 38% |
| Manufactured Product Other | $56.7M | 5% |
| Incentives | $31.3M | 3% |
