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Enova International, Inc.（ENVA）与TRINET GROUP, INC.（TNET）财务数据对比。点击上方公司名可切换其他公司
TRINET GROUP, INC.的季度营收约是Enova International, Inc.的1.4倍（$1.2B vs $875.1M），Enova International, Inc.同比增速更快（17.4% vs -2.2%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs -0.6%）
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。
TriNet Group, Inc.是一家面向中小企业的专业雇主组织，总部位于加州都柏林，服务员工规模在3至2500人之间的各类机构。可提供薪资管理、健康福利管理服务，还能为客户提供劳动法规合规、风险降低相关咨询，可作为外包人力资源部门为企业分担人事相关事务。
ENVA vs TNET — 直观对比
营收规模更大
TNET
是对方的1.4倍
$875.1M
营收增速更快
ENVA
高出19.6%
-2.2%
两年增速更快
ENVA
近两年复合增速
-0.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.2B |
| 净利润 | $91.1M | — |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | 0.1% |
| 净利率 | 10.4% | — |
| 营收同比 | 17.4% | -2.2% |
| 净利润同比 | 24.9% | — |
| 每股收益（稀释后） | $3.46 | $0.02 |
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ENVATNET
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $1.2B | ||
| Q3 25 | $802.7M | $1.2B | ||
| Q2 25 | $764.0M | $1.2B | ||
| 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ENVATNET
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | — | ||
| Q3 25 | $80.3M | $34.0M | ||
| Q2 25 | $76.1M | $37.0M | ||
| Q1 25 | $72.9M | $85.0M | ||
| Q4 24 | $63.7M | — | ||
| Q3 24 | $43.4M | $45.0M | ||
| Q2 24 | $53.9M | $60.0M |
毛利率ENVATNET
| 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ENVATNET
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 0.1% | ||
| Q3 25 | 24.5% | 4.1% | ||
| Q2 25 | 24.1% | 4.1% | ||
| Q1 25 | 23.1% | 8.9% | ||
| Q4 24 | 21.3% | -2.9% | ||
| Q3 24 | 22.3% | 4.7% | ||
| Q2 24 | 23.1% | 6.5% |
净利率ENVATNET
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | — | ||
| Q3 25 | 10.0% | 2.8% | ||
| Q2 25 | 10.0% | 3.0% | ||
| Q1 25 | 9.8% | 6.6% | ||
| Q4 24 | 8.7% | — | ||
| Q3 24 | 6.3% | 3.6% | ||
| Q2 24 | 8.6% | 4.9% |
每股收益（稀释后）ENVATNET
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.02 | ||
| Q3 25 | $3.03 | $0.70 | ||
| Q2 25 | $2.86 | $0.77 | ||
| Q1 25 | $2.69 | $1.71 | ||
| Q4 24 | $2.29 | $-0.44 | ||
| Q3 24 | $1.57 | $0.89 | ||
| Q2 24 | $1.93 | $1.20 |
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 | $287.0M |
| 总债务越低越好 | $4.8B | — |
| 股东权益账面价值 | — | $54.0M |
| 总资产 | $6.9B | $3.8B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ENVATNET
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $287.0M | ||
| Q3 25 | $53.6M | $321.0M | ||
| Q2 25 | $55.6M | $407.0M | ||
| Q1 25 | $55.5M | $349.0M | ||
| Q4 24 | $73.9M | $360.0M | ||
| Q3 24 | $67.5M | $301.0M | ||
| Q2 24 | $60.1M | $249.0M |
总债务ENVATNET
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | — | ||
| Q3 25 | $4.1B | — | ||
| Q2 25 | $4.0B | — | ||
| Q1 25 | $3.8B | — | ||
| Q4 24 | $3.6B | — | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $3.2B | — |
股东权益ENVATNET
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $54.0M | ||
| Q3 25 | $1.3B | $110.0M | ||
| Q2 25 | $1.2B | $107.0M | ||
| Q1 25 | $1.2B | $63.0M | ||
| Q4 24 | $1.2B | $69.0M | ||
| Q3 24 | $1.2B | $129.0M | ||
| Q2 24 | $1.1B | $100.0M |
总资产ENVATNET
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $3.8B | ||
| Q3 25 | $6.0B | $3.4B | ||
| Q2 25 | $5.7B | $3.7B | ||
| Q1 25 | $5.5B | $3.8B | ||
| Q4 24 | $5.3B | $4.1B | ||
| Q3 24 | $5.0B | $3.7B | ||
| Q2 24 | $4.8B | $3.7B |
负债/权益比ENVATNET
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | — | ||
| Q3 25 | 3.20× | — | ||
| Q2 25 | 3.23× | — | ||
| Q1 25 | 3.14× | — | ||
| Q4 24 | 2.98× | — | ||
| Q3 24 | 2.79× | — | ||
| Q2 24 | 2.78× | — |
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 | — | $61.0M |
| 自由现金流经营现金流 - 资本支出 | — | $43.0M |
| 自由现金流率自由现金流/营收 | — | 3.4% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 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 | — | $234.0M |
8季度趋势，按日历期对齐
经营现金流ENVATNET
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $61.0M | ||
| Q3 25 | $481.8M | $72.0M | ||
| Q2 25 | $447.4M | $75.0M | ||
| Q1 25 | $391.1M | $95.0M | ||
| Q4 24 | $430.5M | $65.0M | ||
| Q3 24 | $398.6M | $84.0M | ||
| Q2 24 | $360.9M | $39.0M |
自由现金流ENVATNET
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $43.0M | ||
| Q3 25 | $470.5M | $55.0M | ||
| Q2 25 | $436.1M | $57.0M | ||
| Q1 25 | $378.3M | $79.0M | ||
| Q4 24 | $420.3M | $47.0M | ||
| Q3 24 | $387.6M | $59.0M | ||
| Q2 24 | $349.9M | $22.0M |
自由现金流率ENVATNET
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 3.4% | ||
| Q3 25 | 58.6% | 4.5% | ||
| Q2 25 | 57.1% | 4.6% | ||
| Q1 25 | 50.7% | 6.1% | ||
| Q4 24 | 57.6% | 3.7% | ||
| Q3 24 | 56.2% | 4.8% | ||
| Q2 24 | 55.7% | 1.8% |
资本支出强度ENVATNET
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 1.4% | ||
| Q3 25 | 1.4% | 1.4% | ||
| Q2 25 | 1.5% | 1.5% | ||
| Q1 25 | 1.7% | 1.2% | ||
| Q4 24 | 1.4% | 1.4% | ||
| Q3 24 | 1.6% | 2.0% | ||
| Q2 24 | 1.8% | 1.4% |
现金转化率ENVATNET
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | — | ||
| Q3 25 | 6.00× | 2.12× | ||
| Q2 25 | 5.87× | 2.03× | ||
| Q1 25 | 5.36× | 1.12× | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 9.18× | 1.87× | ||
| Q2 24 | 6.70× | 0.65× |
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
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
