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Arch Capital Group（ACGL）与Enact Holdings, Inc.（ACT）财务数据对比。点击上方公司名可切换其他公司
Arch Capital Group的季度营收约是Enact Holdings, Inc.的15.8倍（$4.9B vs $312.7M）。Arch Capital Group同比增速更快（8.5% vs 3.6%）。过去两年Arch Capital Group的营收复合增速更高（11.9% vs 3.6%）
百慕大注册上市企业Arch Capital Group面向全球提供保险、再保险及按揭保险服务，专注于特种类保险业务，承保保险业内难度较高的特殊风险。公司总部位于百慕大，在北美、欧洲、亚洲及澳洲共设有60个办事处，实现全球布局运营。
Enact Holdings, Inc.是美国领先的私人抵押贷款保险服务商，为银行、信用社等各类住宅抵押贷款机构提供风险缓释解决方案，帮助首付较低的购房者获得可负担的住房贷款，助力更多美国普通消费者实现安居需求。
ACGL vs ACT — 直观对比
营收规模更大
ACGL
是对方的15.8倍
$312.7M
营收增速更快
ACGL
高出4.9%
3.6%
两年增速更快
ACGL
近两年复合增速
3.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $312.7M |
| 净利润 | $1.2B | — |
| 毛利率 | — | — |
| 营业利润率 | — | 71.3% |
| 净利率 | 25.1% | — |
| 营收同比 | 8.5% | 3.6% |
| 净利润同比 | 32.4% | — |
| 每股收益（稀释后） | $3.33 | $1.23 |
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ACGLACT
| Q4 25 | $4.9B | $312.7M | ||
| Q3 25 | $5.1B | $311.5M | ||
| Q2 25 | $5.2B | $304.9M | ||
| Q1 25 | $4.7B | $306.8M | ||
| Q4 24 | $4.5B | $301.8M | ||
| Q3 24 | $4.7B | $309.6M | ||
| Q2 24 | $4.2B | $298.8M | ||
| Q1 24 | $3.9B | $291.6M |
净利润ACGLACT
| Q4 25 | $1.2B | — | ||
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $574.0M | — | ||
| Q4 24 | $935.0M | — | ||
| Q3 24 | $988.0M | — | ||
| Q2 24 | $1.3B | — | ||
| Q1 24 | $1.1B | — |
营业利润率ACGLACT
| Q4 25 | — | 71.3% | ||
| Q3 25 | — | 67.4% | ||
| Q2 25 | — | 70.4% | ||
| Q1 25 | — | 68.9% | ||
| Q4 24 | — | 68.9% | ||
| Q3 24 | — | 74.1% | ||
| Q2 24 | — | 78.6% | ||
| Q1 24 | — | 70.6% |
净利率ACGLACT
| Q4 25 | 25.1% | — | ||
| Q3 25 | 26.4% | — | ||
| Q2 25 | 23.7% | — | ||
| Q1 25 | 12.3% | — | ||
| Q4 24 | 20.6% | — | ||
| Q3 24 | 20.9% | — | ||
| Q2 24 | 30.0% | — | ||
| Q1 24 | 28.4% | — |
每股收益（稀释后）ACGLACT
| Q4 25 | $3.33 | $1.23 | ||
| Q3 25 | $3.56 | $1.10 | ||
| Q2 25 | $3.23 | $1.11 | ||
| Q1 25 | $1.48 | $1.08 | ||
| Q4 24 | $2.41 | $1.05 | ||
| Q3 24 | $2.56 | $1.15 | ||
| Q2 24 | $3.30 | $1.16 | ||
| Q1 24 | $2.92 | $1.01 |
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 | $993.0M | $582.5M |
| 总债务越低越好 | — | $744.5M |
| 股东权益账面价值 | $24.2B | $5.4B |
| 总资产 | $79.2B | $6.9B |
| 负债/权益比越低杠杆越低 | — | 0.14× |
8季度趋势，按日历期对齐
现金及短期投资ACGLACT
| Q4 25 | $993.0M | $582.5M | ||
| Q3 25 | $1.1B | $545.6M | ||
| Q2 25 | $983.0M | $616.0M | ||
| Q1 25 | $1.2B | $639.0M | ||
| Q4 24 | $979.0M | $602.8M | ||
| Q3 24 | $1.0B | $674.9M | ||
| Q2 24 | $1.0B | $711.3M | ||
| Q1 24 | $993.0M | $624.3M |
总债务ACGLACT
| Q4 25 | — | $744.5M | ||
| Q3 25 | — | $744.1M | ||
| Q2 25 | — | $743.8M | ||
| Q1 25 | — | $743.4M | ||
| Q4 24 | — | $743.0M | ||
| Q3 24 | — | $742.7M | ||
| Q2 24 | — | $742.4M | ||
| Q1 24 | — | $746.1M |
股东权益ACGLACT
| Q4 25 | $24.2B | $5.4B | ||
| Q3 25 | $23.7B | $5.3B | ||
| Q2 25 | $23.0B | $5.2B | ||
| Q1 25 | $21.5B | $5.1B | ||
| Q4 24 | $20.8B | $5.0B | ||
| Q3 24 | $22.3B | $5.0B | ||
| Q2 24 | $20.7B | $4.8B | ||
| Q1 24 | $19.4B | $4.7B |
总资产ACGLACT
| Q4 25 | $79.2B | $6.9B | ||
| Q3 25 | $79.2B | $6.9B | ||
| Q2 25 | $78.8B | $6.8B | ||
| Q1 25 | $75.2B | $6.7B | ||
| Q4 24 | $70.9B | $6.5B | ||
| Q3 24 | $73.7B | $6.6B | ||
| Q2 24 | $65.5B | $6.3B | ||
| Q1 24 | $62.8B | $6.3B |
负债/权益比ACGLACT
| Q4 25 | — | 0.14× | ||
| Q3 25 | — | 0.14× | ||
| Q2 25 | — | 0.14× | ||
| Q1 25 | — | 0.15× | ||
| Q4 24 | — | 0.15× | ||
| Q3 24 | — | 0.15× | ||
| Q2 24 | — | 0.15× | ||
| Q1 24 | — | 0.16× |
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 | $1.4B | $186.3M |
| 自由现金流经营现金流 - 资本支出 | $1.4B | — |
| 自由现金流率自由现金流/营收 | 28.2% | — |
| 资本支出强度资本支出/营收 | 0.2% | — |
| 现金转化率经营现金流/净利润 | 1.13× | — |
| 过去12个月自由现金流最近4个季度 | $6.1B | — |
8季度趋势，按日历期对齐
经营现金流ACGLACT
| Q4 25 | $1.4B | $186.3M | ||
| Q3 25 | $2.2B | $192.0M | ||
| Q2 25 | $1.1B | $119.5M | ||
| Q1 25 | $1.5B | $226.7M | ||
| Q4 24 | $1.6B | $166.1M | ||
| Q3 24 | $2.0B | $188.1M | ||
| Q2 24 | $1.5B | $144.7M | ||
| Q1 24 | $1.6B | $187.3M |
自由现金流ACGLACT
| Q4 25 | $1.4B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.6B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
自由现金流率ACGLACT
| Q4 25 | 28.2% | — | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 21.3% | — | ||
| Q1 25 | 31.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 42.5% | — | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | 39.3% | — |
资本支出强度ACGLACT
| Q4 25 | 0.2% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 0.3% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 0.4% | — |
现金转化率ACGLACT
| Q4 25 | 1.13× | — | ||
| Q3 25 | 1.62× | — | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 2.54× | — | ||
| Q4 24 | 1.68× | — | ||
| Q3 24 | 2.04× | — | ||
| Q2 24 | 1.20× | — | ||
| Q1 24 | 1.40× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
