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Enova International, Inc.（ENVA）与TUTOR PERINI CORP（TPC）财务数据对比。点击上方公司名可切换其他公司
TUTOR PERINI CORP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 1.9%，领先8.5%），TUTOR PERINI CORP同比增速更快（41.2% vs 17.4%），过去两年TUTOR PERINI CORP的营收复合增速更高（19.9% 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。
Tutor Perini集团是美国顶尖的大型总承包商之一，2008年由Perini公司与Tutor-Saliba公司合并成立，总部位于加利福尼亚州西尔马。公司业务覆盖北美全境，2024年营收约43.3亿美元，核心业务涵盖桥梁、公路、隧道、机场、公共交通系统等民用基建项目，同时也涉足建筑工程领域。
ENVA vs TPC — 直观对比
营收规模更大
TPC
是对方的1.7倍
$875.1M
营收增速更快
TPC
高出23.8%
17.4%
净利率更高
ENVA
高出8.5%
1.9%
两年增速更快
TPC
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 | $28.8M |
| 毛利率 | — | 9.8% |
| 营业利润率 | 23.7% | 3.3% |
| 净利率 | 10.4% | 1.9% |
| 营收同比 | 17.4% | 41.2% |
| 净利润同比 | 24.9% | 136.3% |
| 每股收益（稀释后） | $3.46 | $0.53 |
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ENVATPC
| 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 | $1.2B | ||
| Q4 24 | $729.6M | $1.1B | ||
| Q3 24 | $689.9M | $1.1B | ||
| Q2 24 | $628.4M | $1.1B |
净利润ENVATPC
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $28.8M | ||
| Q3 25 | $80.3M | $3.6M | ||
| Q2 25 | $76.1M | $20.0M | ||
| Q1 25 | $72.9M | $28.0M | ||
| Q4 24 | $63.7M | $-79.4M | ||
| Q3 24 | $43.4M | $-100.9M | ||
| Q2 24 | $53.9M | $812.0K |
毛利率ENVATPC
| Q1 26 | — | — | ||
| Q4 25 | 59.8% | 9.8% | ||
| Q3 25 | 57.4% | 12.0% | ||
| Q2 25 | 57.8% | 14.3% | ||
| Q1 25 | 57.2% | 10.8% | ||
| Q4 24 | 56.6% | -0.9% | ||
| Q3 24 | 58.0% | -2.4% | ||
| Q2 24 | 58.9% | 10.4% |
营业利润率ENVATPC
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | 3.3% | ||
| Q3 25 | 24.5% | 2.8% | ||
| Q2 25 | 24.1% | 5.6% | ||
| Q1 25 | 23.1% | 5.2% | ||
| Q4 24 | 21.3% | -8.1% | ||
| Q3 24 | 22.3% | -9.9% | ||
| Q2 24 | 23.1% | 3.6% |
净利率ENVATPC
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | 1.9% | ||
| Q3 25 | 10.0% | 0.3% | ||
| Q2 25 | 10.0% | 1.5% | ||
| Q1 25 | 9.8% | 2.2% | ||
| Q4 24 | 8.7% | -7.4% | ||
| Q3 24 | 6.3% | -9.3% | ||
| Q2 24 | 8.6% | 0.1% |
每股收益（稀释后）ENVATPC
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $0.53 | ||
| Q3 25 | $3.03 | $0.07 | ||
| Q2 25 | $2.86 | $0.38 | ||
| Q1 25 | $2.69 | $0.53 | ||
| Q4 24 | $2.29 | $-1.53 | ||
| Q3 24 | $1.57 | $-1.92 | ||
| Q2 24 | $1.93 | $0.02 |
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 | $734.6M |
| 总债务越低越好 | $4.8B | $407.4M |
| 股东权益账面价值 | — | $1.2B |
| 总资产 | $6.9B | $5.2B |
| 负债/权益比越低杠杆越低 | — | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资ENVATPC
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $734.6M | ||
| Q3 25 | $53.6M | $695.7M | ||
| Q2 25 | $55.6M | $526.1M | ||
| Q1 25 | $55.5M | $276.5M | ||
| Q4 24 | $73.9M | $455.1M | ||
| Q3 24 | $67.5M | $287.4M | ||
| Q2 24 | $60.1M | $267.1M |
总债务ENVATPC
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $407.4M | ||
| Q3 25 | $4.1B | $413.1M | ||
| Q2 25 | $4.0B | $419.4M | ||
| Q1 25 | $3.8B | $405.6M | ||
| Q4 24 | $3.6B | $534.1M | ||
| Q3 24 | $3.3B | $681.4M | ||
| Q2 24 | $3.2B | $676.4M |
股东权益ENVATPC
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $1.2B | ||
| Q3 25 | $1.3B | $1.2B | ||
| Q2 25 | $1.2B | $1.2B | ||
| Q1 25 | $1.2B | $1.2B | ||
| Q4 24 | $1.2B | $1.1B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.3B |
总资产ENVATPC
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $5.2B | ||
| Q3 25 | $6.0B | $5.2B | ||
| Q2 25 | $5.7B | $4.9B | ||
| Q1 25 | $5.5B | $4.5B | ||
| Q4 24 | $5.3B | $4.2B | ||
| Q3 24 | $5.0B | $4.4B | ||
| Q2 24 | $4.8B | $4.3B |
负债/权益比ENVATPC
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 0.33× | ||
| Q3 25 | 3.20× | 0.35× | ||
| Q2 25 | 3.23× | 0.35× | ||
| Q1 25 | 3.14× | 0.35× | ||
| Q4 24 | 2.98× | 0.47× | ||
| Q3 24 | 2.79× | 0.56× | ||
| Q2 24 | 2.78× | 0.52× |
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 | — | $173.7M |
| 自由现金流经营现金流 - 资本支出 | — | $98.7M |
| 自由现金流率自由现金流/营收 | — | 6.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | — | 6.02× |
| 过去12个月自由现金流最近4个季度 | — | $567.2M |
8季度趋势，按日历期对齐
经营现金流ENVATPC
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $173.7M | ||
| Q3 25 | $481.8M | $289.1M | ||
| Q2 25 | $447.4M | $262.4M | ||
| Q1 25 | $391.1M | $22.9M | ||
| Q4 24 | $430.5M | $329.6M | ||
| Q3 24 | $398.6M | $22.6M | ||
| Q2 24 | $360.9M | $53.1M |
自由现金流ENVATPC
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $98.7M | ||
| Q3 25 | $470.5M | $240.2M | ||
| Q2 25 | $436.1M | $235.6M | ||
| Q1 25 | $378.3M | $-7.2M | ||
| Q4 24 | $420.3M | $320.4M | ||
| Q3 24 | $387.6M | $15.6M | ||
| Q2 24 | $349.9M | $42.2M |
自由现金流率ENVATPC
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 6.5% | ||
| Q3 25 | 58.6% | 17.0% | ||
| Q2 25 | 57.1% | 17.1% | ||
| Q1 25 | 50.7% | -0.6% | ||
| Q4 24 | 57.6% | 30.0% | ||
| Q3 24 | 56.2% | 1.4% | ||
| Q2 24 | 55.7% | 3.7% |
资本支出强度ENVATPC
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 5.0% | ||
| Q3 25 | 1.4% | 3.5% | ||
| Q2 25 | 1.5% | 2.0% | ||
| Q1 25 | 1.7% | 2.4% | ||
| Q4 24 | 1.4% | 0.9% | ||
| Q3 24 | 1.6% | 0.6% | ||
| Q2 24 | 1.8% | 1.0% |
现金转化率ENVATPC
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 6.02× | ||
| Q3 25 | 6.00× | 79.63× | ||
| Q2 25 | 5.87× | 13.14× | ||
| Q1 25 | 5.36× | 0.82× | ||
| Q4 24 | 6.76× | — | ||
| Q3 24 | 9.18× | — | ||
| Q2 24 | 6.70× | 65.44× |
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
TPC
| State And Local Agencies | $591.1M | 39% |
| Mass Transit | $449.9M | 30% |
| Federal Agencies | $115.0M | 8% |
| Bridges | $100.5M | 7% |
| Military Facilities | $93.1M | 6% |
| Commercial And Industrial Facilities | $46.7M | 3% |
| Detention Facilities | $43.8M | 3% |
| Power And Energy | $35.8M | 2% |
| Multi Unit Residential | $25.9M | 2% |
| Education Facilities | $12.0M | 1% |
| Water | $3.6M | 0% |
