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Enova International, Inc.（ENVA）与RXO, Inc.（RXO）财务数据对比。点击上方公司名可切换其他公司
RXO, Inc.的季度营收约是Enova International, Inc.的1.7倍（$1.5B vs $875.1M），Enova International, Inc.净利率更高（10.4% vs -3.1%，领先13.5%），Enova International, Inc.同比增速更快（17.4% vs -11.9%），过去两年RXO, Inc.的营收复合增速更高（26.8% 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。
RXO是总部位于美国的头部运输及物流解决方案供应商，核心业务覆盖货运经纪、大件商品最后一公里配送、运输管理服务与全链路供应链优化支持，主要服务北美制造业、零售业及电商领域的客户。
ENVA vs RXO — 直观对比
营收规模更大
RXO
是对方的1.7倍
$875.1M
营收增速更快
ENVA
高出29.3%
-11.9%
净利率更高
ENVA
高出13.5%
-3.1%
两年增速更快
RXO
近两年复合增速
18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.5B |
| 净利润 | $91.1M | $-46.0M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | -2.9% |
| 净利率 | 10.4% | -3.1% |
| 营收同比 | 17.4% | -11.9% |
| 净利润同比 | 24.9% | -84.0% |
| 每股收益（稀释后） | $3.46 | $-0.28 |
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ENVARXO
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.5B | ||
| Q3 25 | $802.7M | $1.4B | ||
| Q2 25 | $764.0M | $1.4B | ||
| Q1 25 | $745.5M | $1.4B | ||
| Q4 24 | $729.6M | $1.7B | ||
| Q3 24 | $689.9M | $1.0B | ||
| Q2 24 | $628.4M | $930.0M |
净利润ENVARXO
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $-46.0M | ||
| Q3 25 | $80.3M | $-14.0M | ||
| Q2 25 | $76.1M | $-9.0M | ||
| Q1 25 | $72.9M | $-31.0M | ||
| Q4 24 | $63.7M | $-25.0M | ||
| Q3 24 | $43.4M | $-243.0M | ||
| Q2 24 | $53.9M | $-7.0M |
毛利率ENVARXO
| 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ENVARXO
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | -2.9% | ||
| Q3 25 | 24.5% | -0.5% | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | 23.1% | -2.1% | ||
| Q4 24 | 21.3% | -1.4% | ||
| Q3 24 | 22.3% | -1.9% | ||
| Q2 24 | 23.1% | — |
净利率ENVARXO
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | -3.1% | ||
| Q3 25 | 10.0% | -1.0% | ||
| Q2 25 | 10.0% | -0.6% | ||
| Q1 25 | 9.8% | -2.2% | ||
| Q4 24 | 8.7% | -1.5% | ||
| Q3 24 | 6.3% | -23.4% | ||
| Q2 24 | 8.6% | -0.8% |
每股收益（稀释后）ENVARXO
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $-0.28 | ||
| Q3 25 | $3.03 | $-0.08 | ||
| Q2 25 | $2.86 | $-0.05 | ||
| Q1 25 | $2.69 | $-0.18 | ||
| Q4 24 | $2.29 | $-0.17 | ||
| Q3 24 | $1.57 | $-1.81 | ||
| 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 | $17.0M |
| 总债务越低越好 | $4.8B | $387.0M |
| 股东权益账面价值 | — | $1.5B |
| 总资产 | $6.9B | $3.3B |
| 负债/权益比越低杠杆越低 | — | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资ENVARXO
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $17.0M | ||
| Q3 25 | $53.6M | $25.0M | ||
| Q2 25 | $55.6M | $18.0M | ||
| Q1 25 | $55.5M | $16.0M | ||
| Q4 24 | $73.9M | $35.0M | ||
| Q3 24 | $67.5M | $55.0M | ||
| Q2 24 | $60.1M | $7.0M |
总债务ENVARXO
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $387.0M | ||
| Q3 25 | $4.1B | $387.0M | ||
| Q2 25 | $4.0B | $387.0M | ||
| Q1 25 | $3.8B | $387.0M | ||
| Q4 24 | $3.6B | $351.0M | ||
| Q3 24 | $3.3B | $352.0M | ||
| Q2 24 | $3.2B | $370.0M |
股东权益ENVARXO
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $1.5B | ||
| Q3 25 | $1.3B | $1.6B | ||
| Q2 25 | $1.2B | $1.6B | ||
| Q1 25 | $1.2B | $1.6B | ||
| Q4 24 | $1.2B | $1.6B | ||
| Q3 24 | $1.2B | $1.7B | ||
| Q2 24 | $1.1B | $579.0M |
总资产ENVARXO
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $3.3B | ||
| Q3 25 | $6.0B | $3.2B | ||
| Q2 25 | $5.7B | $3.2B | ||
| Q1 25 | $5.5B | $3.3B | ||
| Q4 24 | $5.3B | $3.4B | ||
| Q3 24 | $5.0B | $3.4B | ||
| Q2 24 | $4.8B | $1.8B |
负债/权益比ENVARXO
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.25× | ||
| Q3 25 | 3.20× | 0.24× | ||
| Q2 25 | 3.23× | 0.24× | ||
| Q1 25 | 3.14× | 0.24× | ||
| Q4 24 | 2.98× | 0.22× | ||
| Q3 24 | 2.79× | 0.21× | ||
| Q2 24 | 2.78× | 0.64× |
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 | — | $7.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-9.0M |
| 自由现金流率自由现金流/营收 | — | -0.6% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 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 | — | $-8.0M |
8季度趋势，按日历期对齐
经营现金流ENVARXO
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $7.0M | ||
| Q3 25 | $481.8M | $23.0M | ||
| Q2 25 | $447.4M | $23.0M | ||
| Q1 25 | $391.1M | $-2.0M | ||
| Q4 24 | $430.5M | $-7.0M | ||
| Q3 24 | $398.6M | $-7.0M | ||
| Q2 24 | $360.9M | $-5.0M |
自由现金流ENVARXO
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $-9.0M | ||
| Q3 25 | $470.5M | $9.0M | ||
| Q2 25 | $436.1M | $9.0M | ||
| Q1 25 | $378.3M | $-17.0M | ||
| Q4 24 | $420.3M | $-19.0M | ||
| Q3 24 | $387.6M | $-18.0M | ||
| Q2 24 | $349.9M | $-16.0M |
自由现金流率ENVARXO
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | -0.6% | ||
| Q3 25 | 58.6% | 0.6% | ||
| Q2 25 | 57.1% | 0.6% | ||
| Q1 25 | 50.7% | -1.2% | ||
| Q4 24 | 57.6% | -1.1% | ||
| Q3 24 | 56.2% | -1.7% | ||
| Q2 24 | 55.7% | -1.7% |
资本支出强度ENVARXO
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 1.1% | ||
| Q3 25 | 1.4% | 1.0% | ||
| Q2 25 | 1.5% | 1.0% | ||
| Q1 25 | 1.7% | 1.0% | ||
| Q4 24 | 1.4% | 0.7% | ||
| Q3 24 | 1.6% | 1.1% | ||
| Q2 24 | 1.8% | 1.2% |
现金转化率ENVARXO
| 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
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
