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Enact Holdings, Inc.（ACT）与Aflac（AFL）财务数据对比。点击上方公司名可切换其他公司
Aflac的季度营收约是Enact Holdings, Inc.的15.6倍（$4.9B vs $312.7M）。Enact Holdings, Inc.同比增速更快（3.6% vs -10.0%）。过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -5.4%）
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。
Aflac是美国知名保险企业，也是美国最大的补充保险提供商，成立于1955年，总部位于佐治亚州哥伦布市。公司在美国推出多类保险产品，其中薪资抵扣型保险服务知名度较高，参保人遭遇保障范围内的意外或疾病时可获现金赔付，目前已为全球超5000万用户提供财务保障。
ACT vs AFL — 直观对比
营收规模更大
AFL
是对方的15.6倍
$312.7M
营收增速更快
ACT
高出13.6%
-10.0%
两年增速更快
ACT
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $4.9B |
| 净利润 | — | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 32.3% |
| 净利率 | — | 28.3% |
| 营收同比 | 3.6% | -10.0% |
| 净利润同比 | — | -27.5% |
| 每股收益（稀释后） | $1.23 | $2.58 |
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ACTAFL
| Q4 25 | $312.7M | $4.9B | ||
| Q3 25 | $311.5M | $4.7B | ||
| Q2 25 | $304.9M | $4.2B | ||
| Q1 25 | $306.8M | $3.4B | ||
| Q4 24 | $301.8M | $5.4B | ||
| Q3 24 | $309.6M | $2.9B | ||
| Q2 24 | $298.8M | $5.1B | ||
| Q1 24 | $291.6M | $5.4B |
净利润ACTAFL
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | $599.0M | ||
| Q1 25 | — | $29.0M | ||
| Q4 24 | — | $1.9B | ||
| Q3 24 | — | $-93.0M | ||
| Q2 24 | — | $1.8B | ||
| Q1 24 | — | $1.9B |
营业利润率ACTAFL
| Q4 25 | 71.3% | 32.3% | ||
| Q3 25 | 67.4% | 42.1% | ||
| Q2 25 | 70.4% | 19.8% | ||
| Q1 25 | 68.9% | 4.3% | ||
| Q4 24 | 68.9% | 39.5% | ||
| Q3 24 | 74.1% | 3.1% | ||
| Q2 24 | 78.6% | 39.3% | ||
| Q1 24 | 70.6% | 39.9% |
净利率ACTAFL
| Q4 25 | — | 28.3% | ||
| Q3 25 | — | 34.6% | ||
| Q2 25 | — | 14.4% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 35.2% | ||
| Q3 24 | — | -3.2% | ||
| Q2 24 | — | 34.2% | ||
| Q1 24 | — | 34.6% |
每股收益（稀释后）ACTAFL
| Q4 25 | $1.23 | $2.58 | ||
| Q3 25 | $1.10 | $3.08 | ||
| Q2 25 | $1.11 | $1.11 | ||
| Q1 25 | $1.08 | $0.05 | ||
| Q4 24 | $1.05 | $3.45 | ||
| Q3 24 | $1.15 | $-0.17 | ||
| Q2 24 | $1.16 | $3.10 | ||
| Q1 24 | $1.01 | $3.25 |
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 | $582.5M | $6.2B |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $29.5B |
| 总资产 | $6.9B | $116.5B |
| 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ACTAFL
| Q4 25 | $582.5M | $6.2B | ||
| Q3 25 | $545.6M | $6.8B | ||
| Q2 25 | $616.0M | $7.0B | ||
| Q1 25 | $639.0M | $5.2B | ||
| Q4 24 | $602.8M | $6.2B | ||
| Q3 24 | $674.9M | $5.6B | ||
| Q2 24 | $711.3M | $6.1B | ||
| Q1 24 | $624.3M | $5.1B |
总债务ACTAFL
| 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ACTAFL
| Q4 25 | $5.4B | $29.5B | ||
| Q3 25 | $5.3B | $28.7B | ||
| Q2 25 | $5.2B | $27.2B | ||
| Q1 25 | $5.1B | $26.3B | ||
| Q4 24 | $5.0B | $26.1B | ||
| Q3 24 | $5.0B | $24.8B | ||
| Q2 24 | $4.8B | $26.0B | ||
| Q1 24 | $4.7B | $23.5B |
总资产ACTAFL
| Q4 25 | $6.9B | $116.5B | ||
| Q3 25 | $6.9B | $122.3B | ||
| Q2 25 | $6.8B | $124.7B | ||
| Q1 25 | $6.7B | $120.3B | ||
| Q4 24 | $6.5B | $117.6B | ||
| Q3 24 | $6.6B | $128.4B | ||
| Q2 24 | $6.3B | $120.2B | ||
| Q1 24 | $6.3B | $124.7B |
负债/权益比ACTAFL
| 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 | $186.3M | $315.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 0.23× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ACTAFL
| Q4 25 | $186.3M | $315.0M | ||
| Q3 25 | $192.0M | $1.3B | ||
| Q2 25 | $119.5M | $399.0M | ||
| Q1 25 | $226.7M | $589.0M | ||
| Q4 24 | $166.1M | $333.0M | ||
| Q3 24 | $188.1M | $1.3B | ||
| Q2 24 | $144.7M | $255.0M | ||
| Q1 24 | $187.3M | $849.0M |
现金转化率ACTAFL
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.76× | ||
| Q2 25 | — | 0.67× | ||
| Q1 25 | — | 20.31× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.15× | ||
| Q1 24 | — | 0.45× |
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
ACT
暂无分部数据
AFL
| Aflac Japan | $2.3B | 47% |
| Aflac US | $1.7B | 35% |
| Other | $862.0M | 18% |
