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Enova International, Inc.（ENVA）与WORLD ACCEPTANCE CORP（WRLD）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WORLD ACCEPTANCE CORP的6.2倍（$875.1M vs $141.3M）。Enova International, Inc.净利率更高（10.4% vs -0.6%，领先11.1%）。Enova International, Inc.同比增速更快（17.4% vs 1.9%）。过去两年Enova International, Inc.的营收复合增速更高（18.0% vs -5.8%）
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。
本公司是一家汽车金融企业，主营汽车贷款及相关金融产品，业务通过全国合作经销商网络开展。目前公司运营两大核心业务项目，分别为投资组合项目与收购项目，通过这两个项目，公司可向汽车经销商预先提供资金，以此获得底层消费贷款的服务权等相关权益。
ENVA vs WRLD — 直观对比
营收规模更大
ENVA
是对方的6.2倍
$141.3M
营收增速更快
ENVA
高出15.5%
1.9%
净利率更高
ENVA
高出11.1%
-0.6%
两年增速更快
ENVA
近两年复合增速
-5.8%
损益表 — Q1 2026 vs Q3 2026
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $141.3M |
| 净利润 | $91.1M | $-911.3K |
| 毛利率 | — | — |
| 营业利润率 | 23.7% | -0.7% |
| 净利率 | 10.4% | -0.6% |
| 营收同比 | 17.4% | 1.9% |
| 净利润同比 | 24.9% | -106.8% |
| 每股收益（稀释后） | $3.46 | $-0.19 |
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ENVAWRLD
| Q1 26 | $875.1M | — | ||
| Q4 25 | $839.4M | $141.3M | ||
| Q3 25 | $802.7M | $134.5M | ||
| Q2 25 | $764.0M | $132.5M | ||
| Q1 25 | $745.5M | $165.3M | ||
| Q4 24 | $729.6M | $138.6M | ||
| Q3 24 | $689.9M | $131.4M | ||
| Q2 24 | $628.4M | $129.5M |
净利润ENVAWRLD
| Q1 26 | $91.1M | — | ||
| Q4 25 | $79.0M | $-911.3K | ||
| Q3 25 | $80.3M | $-1.9M | ||
| Q2 25 | $76.1M | $1.3M | ||
| Q1 25 | $72.9M | $44.3M | ||
| Q4 24 | $63.7M | $13.4M | ||
| Q3 24 | $43.4M | $22.1M | ||
| Q2 24 | $53.9M | $9.9M |
毛利率ENVAWRLD
| 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ENVAWRLD
| Q1 26 | 23.7% | — | ||
| Q4 25 | 22.2% | -0.7% | ||
| Q3 25 | 24.5% | -1.3% | ||
| Q2 25 | 24.1% | 1.5% | ||
| Q1 25 | 23.1% | 33.3% | ||
| Q4 24 | 21.3% | 11.6% | ||
| Q3 24 | 22.3% | 21.3% | ||
| Q2 24 | 23.1% | 10.0% |
净利率ENVAWRLD
| Q1 26 | 10.4% | — | ||
| Q4 25 | 9.4% | -0.6% | ||
| Q3 25 | 10.0% | -1.4% | ||
| Q2 25 | 10.0% | 1.0% | ||
| Q1 25 | 9.8% | 26.8% | ||
| Q4 24 | 8.7% | 9.7% | ||
| Q3 24 | 6.3% | 16.8% | ||
| Q2 24 | 8.6% | 7.7% |
每股收益（稀释后）ENVAWRLD
| Q1 26 | $3.46 | — | ||
| Q4 25 | $2.94 | $-0.19 | ||
| Q3 25 | $3.03 | $-0.38 | ||
| Q2 25 | $2.86 | $0.25 | ||
| Q1 25 | $2.69 | $8.07 | ||
| Q4 24 | $2.29 | $2.45 | ||
| Q3 24 | $1.57 | $3.99 | ||
| Q2 24 | $1.93 | $1.79 |
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 | $10.0M |
| 总债务越低越好 | $4.8B | $677.2M |
| 股东权益账面价值 | — | $351.6M |
| 总资产 | $6.9B | $1.1B |
| 负债/权益比越低杠杆越低 | — | 1.93× |
8季度趋势，按日历期对齐
现金及短期投资ENVAWRLD
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $10.0M | ||
| Q3 25 | $53.6M | $14.9M | ||
| Q2 25 | $55.6M | $8.1M | ||
| Q1 25 | $55.5M | $4.7M | ||
| Q4 24 | $73.9M | $10.3M | ||
| Q3 24 | $67.5M | $9.7M | ||
| Q2 24 | $60.1M | $11.1M |
总债务ENVAWRLD
| Q1 26 | $4.8B | — | ||
| Q4 25 | $4.5B | $677.2M | ||
| Q3 25 | $4.1B | $584.6M | ||
| Q2 25 | $4.0B | $472.5M | ||
| Q1 25 | $3.8B | $447.9M | ||
| Q4 24 | $3.6B | $561.2M | ||
| Q3 24 | $3.3B | $506.6M | ||
| Q2 24 | $3.2B | $494.7M |
股东权益ENVAWRLD
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | $351.6M | ||
| Q3 25 | $1.3B | $365.6M | ||
| Q2 25 | $1.2B | $427.9M | ||
| Q1 25 | $1.2B | $439.5M | ||
| Q4 24 | $1.2B | $428.2M | ||
| Q3 24 | $1.2B | $417.5M | ||
| Q2 24 | $1.1B | $422.6M |
总资产ENVAWRLD
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.5B | $1.1B | ||
| Q3 25 | $6.0B | $1.1B | ||
| Q2 25 | $5.7B | $1.0B | ||
| Q1 25 | $5.5B | $1.0B | ||
| Q4 24 | $5.3B | $1.1B | ||
| Q3 24 | $5.0B | $1.0B | ||
| Q2 24 | $4.8B | $1.0B |
负债/权益比ENVAWRLD
| Q1 26 | — | — | ||
| Q4 25 | 3.37× | 1.93× | ||
| Q3 25 | 3.20× | 1.60× | ||
| Q2 25 | 3.23× | 1.10× | ||
| Q1 25 | 3.14× | 1.02× | ||
| Q4 24 | 2.98× | 1.31× | ||
| Q3 24 | 2.79× | 1.21× | ||
| Q2 24 | 2.78× | 1.17× |
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 | — | $58.0M |
| 自由现金流经营现金流 - 资本支出 | — | $57.2M |
| 自由现金流率自由现金流/营收 | — | 40.5% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 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 | — | $252.0M |
8季度趋势，按日历期对齐
经营现金流ENVAWRLD
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $58.0M | ||
| Q3 25 | $481.8M | $48.6M | ||
| Q2 25 | $447.4M | $58.2M | ||
| Q1 25 | $391.1M | $90.9M | ||
| Q4 24 | $430.5M | $61.1M | ||
| Q3 24 | $398.6M | $53.8M | ||
| Q2 24 | $360.9M | $48.4M |
自由现金流ENVAWRLD
| Q1 26 | — | — | ||
| Q4 25 | $487.1M | $57.2M | ||
| Q3 25 | $470.5M | $47.7M | ||
| Q2 25 | $436.1M | $57.1M | ||
| Q1 25 | $378.3M | $90.0M | ||
| Q4 24 | $420.3M | $60.4M | ||
| Q3 24 | $387.6M | $52.7M | ||
| Q2 24 | $349.9M | $47.3M |
自由现金流率ENVAWRLD
| Q1 26 | — | — | ||
| Q4 25 | 58.0% | 40.5% | ||
| Q3 25 | 58.6% | 35.5% | ||
| Q2 25 | 57.1% | 43.1% | ||
| Q1 25 | 50.7% | 54.5% | ||
| Q4 24 | 57.6% | 43.6% | ||
| Q3 24 | 56.2% | 40.1% | ||
| Q2 24 | 55.7% | 36.5% |
资本支出强度ENVAWRLD
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 0.6% | ||
| Q3 25 | 1.4% | 0.7% | ||
| Q2 25 | 1.5% | 0.8% | ||
| Q1 25 | 1.7% | 0.5% | ||
| Q4 24 | 1.4% | 0.5% | ||
| Q3 24 | 1.6% | 0.8% | ||
| Q2 24 | 1.8% | 0.8% |
现金转化率ENVAWRLD
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | — | ||
| Q3 25 | 6.00× | — | ||
| Q2 25 | 5.87× | 43.27× | ||
| Q1 25 | 5.36× | 2.05× | ||
| Q4 24 | 6.76× | 4.56× | ||
| Q3 24 | 9.18× | 2.43× | ||
| Q2 24 | 6.70× | 4.87× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
