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Enova International, Inc.（ENVA）与SLM Corp（SLM）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SLM Corp的1.6倍（$875.1M vs $560.0M）。SLM Corp净利率更高（55.0% vs 10.4%，领先44.6%）。过去两年SLM Corp的营收复合增速更高（22.7% 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。
尼康旗下SLM Solutions AG总部位于德国吕贝克，是金属3D打印机领域的上市生产商，共同拥有SLM文字商标，集团股份自2014年5月9日起在法兰克福证券交易所高级市场板块挂牌交易。
ENVA vs SLM — 直观对比
营收规模更大
ENVA
是对方的1.6倍
$560.0M
净利率更高
SLM
高出44.6%
10.4%
两年增速更快
SLM
近两年复合增速
18.0%
损益表 — Q1 2026 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $560.0M |
| 净利润 | $91.1M | $308.0M |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | — |
| 净利率 | 10.4% | 55.0% |
| 营收同比 | 17.4% | — |
| 净利润同比 | 24.9% | 1.0% |
| 每股收益（稀释后） | $3.46 | $1.54 |
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ENVASLM
| Q1 26 | $875.1M | $560.0M | ||
| Q4 25 | $839.4M | $377.1M | ||
| Q3 25 | $802.7M | $373.0M | ||
| Q2 25 | $764.0M | $376.8M | ||
| Q1 25 | $745.5M | $375.0M | ||
| Q4 24 | $729.6M | $362.2M | ||
| Q3 24 | $689.9M | $359.4M | ||
| Q2 24 | $628.4M | $372.2M |
净利润ENVASLM
| Q1 26 | $91.1M | $308.0M | ||
| Q4 25 | $79.0M | $233.2M | ||
| Q3 25 | $80.3M | $135.8M | ||
| Q2 25 | $76.1M | $71.3M | ||
| Q1 25 | $72.9M | $304.5M | ||
| Q4 24 | $63.7M | $111.6M | ||
| Q3 24 | $43.4M | $-45.2M | ||
| Q2 24 | $53.9M | $252.0M |
毛利率ENVASLM
| 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ENVASLM
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 83.8% | ||
| Q3 25 | 24.5% | 49.8% | ||
| Q2 25 | 24.1% | 23.3% | ||
| Q1 25 | 23.1% | — | ||
| Q4 24 | 21.3% | 36.5% | ||
| Q3 24 | 22.3% | -16.6% | ||
| Q2 24 | 23.1% | 91.0% |
净利率ENVASLM
| Q1 26 | 10.4% | 55.0% | ||
| Q4 25 | 9.4% | 61.8% | ||
| Q3 25 | 10.0% | 36.4% | ||
| Q2 25 | 10.0% | 18.9% | ||
| Q1 25 | 9.8% | 81.2% | ||
| Q4 24 | 8.7% | 30.8% | ||
| Q3 24 | 6.3% | -12.6% | ||
| Q2 24 | 8.6% | 67.7% |
每股收益（稀释后）ENVASLM
| Q1 26 | $3.46 | $1.54 | ||
| Q4 25 | $2.94 | $1.11 | ||
| Q3 25 | $3.03 | $0.63 | ||
| Q2 25 | $2.86 | $0.32 | ||
| Q1 25 | $2.69 | $1.40 | ||
| Q4 24 | $2.29 | $0.53 | ||
| Q3 24 | $1.57 | $-0.23 | ||
| Q2 24 | $1.93 | $1.11 |
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 | $5.2B |
| 总债务越低越好 | $4.8B | $6.2B |
| 股东权益账面价值 | — | $2.4B |
| 总资产 | $6.9B | $29.4B |
| 负债/权益比越低杠杆越低 | — | 2.53× |
8季度趋势，按日历期对齐
现金及短期投资ENVASLM
| Q1 26 | $96.1M | $5.2B | ||
| Q4 25 | $71.7M | $4.2B | ||
| Q3 25 | $53.6M | $3.5B | ||
| Q2 25 | $55.6M | $4.1B | ||
| Q1 25 | $55.5M | $3.7B | ||
| Q4 24 | $73.9M | $4.7B | ||
| Q3 24 | $67.5M | $4.5B | ||
| Q2 24 | $60.1M | $5.3B |
总债务ENVASLM
| Q1 26 | $4.8B | $6.2B | ||
| Q4 25 | $4.5B | $5.4B | ||
| Q3 25 | $4.1B | $6.8B | ||
| Q2 25 | $4.0B | $6.4B | ||
| Q1 25 | $3.8B | $6.1B | ||
| Q4 24 | $3.6B | $6.4B | ||
| Q3 24 | $3.3B | $6.0B | ||
| Q2 24 | $3.2B | $5.4B |
股东权益ENVASLM
| Q1 26 | — | $2.4B | ||
| Q4 25 | $1.3B | $2.5B | ||
| Q3 25 | $1.3B | $2.3B | ||
| Q2 25 | $1.2B | $2.4B | ||
| Q1 25 | $1.2B | $2.4B | ||
| Q4 24 | $1.2B | $2.2B | ||
| Q3 24 | $1.2B | $2.1B | ||
| Q2 24 | $1.1B | $2.3B |
总资产ENVASLM
| Q1 26 | $6.9B | $29.4B | ||
| Q4 25 | $6.5B | $29.7B | ||
| Q3 25 | $6.0B | $29.6B | ||
| Q2 25 | $5.7B | $29.6B | ||
| Q1 25 | $5.5B | $28.9B | ||
| Q4 24 | $5.3B | $30.1B | ||
| Q3 24 | $5.0B | $30.0B | ||
| Q2 24 | $4.8B | $28.8B |
负债/权益比ENVASLM
| Q1 26 | — | 2.53× | ||
| Q4 25 | 3.37× | 2.19× | ||
| Q3 25 | 3.20× | 2.92× | ||
| Q2 25 | 3.23× | 2.70× | ||
| Q1 25 | 3.14× | 2.56× | ||
| Q4 24 | 2.98× | 2.98× | ||
| Q3 24 | 2.79× | 2.83× | ||
| Q2 24 | 2.78× | 2.37× |
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
SLM
| Net Interest Income | $375.0M | 67% |
| Noninterest Income | $185.0M | 33% |
