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Enact Holdings, Inc.（ACT）与美国国际集团（AIG）财务数据对比。点击上方公司名可切换其他公司
美国国际集团的季度营收约是Enact Holdings, Inc.的20.9倍（$6.5B vs $312.7M）。美国国际集团同比增速更快（380.9% vs 3.6%）。过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -27.8%）
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。
美国国际集团（AIG）是全球知名保险提供商，服务覆盖北美及全球其他地区，面向商业客户、机构客户及个人用户推出多元化保险产品，业务涵盖责任险、财产险、航空航天险、政治风险保险、贸易信用保险、农业保险、海事保险等多个领域，可满足不同客户的风险保障需求。
ACT vs AIG — 直观对比
营收规模更大
AIG
是对方的20.9倍
$312.7M
营收增速更快
AIG
高出377.3%
3.6%
两年增速更快
ACT
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $6.5B |
| 净利润 | — | $735.0M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 10.1% |
| 净利率 | — | 11.2% |
| 营收同比 | 3.6% | 380.9% |
| 净利润同比 | — | -18.2% |
| 每股收益（稀释后） | $1.23 | $1.36 |
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ACTAIG
| Q4 25 | $312.7M | $6.5B | ||
| Q3 25 | $311.5M | $6.4B | ||
| Q2 25 | $304.9M | $7.1B | ||
| Q1 25 | $306.8M | $6.8B | ||
| Q4 24 | $301.8M | $1.4B | ||
| Q3 24 | $309.6M | $6.8B | ||
| Q2 24 | $298.8M | $6.6B | ||
| Q1 24 | $291.6M | $12.6B |
净利润ACTAIG
| Q4 25 | — | $735.0M | ||
| Q3 25 | — | $519.0M | ||
| Q2 25 | — | $1.1B | ||
| Q1 25 | — | $698.0M | ||
| Q4 24 | — | $898.0M | ||
| Q3 24 | — | $459.0M | ||
| Q2 24 | — | $-4.0B | ||
| Q1 24 | — | $1.2B |
营业利润率ACTAIG
| Q4 25 | 71.3% | 10.1% | ||
| Q3 25 | 67.4% | 11.2% | ||
| Q2 25 | 70.4% | 21.8% | ||
| Q1 25 | 68.9% | 14.2% | ||
| Q4 24 | 68.9% | 40.6% | ||
| Q3 24 | 74.1% | 9.6% | ||
| Q2 24 | 78.6% | 9.4% | ||
| Q1 24 | 70.6% | 16.3% |
净利率ACTAIG
| Q4 25 | — | 11.2% | ||
| Q3 25 | — | 8.2% | ||
| Q2 25 | — | 16.1% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 65.9% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | -60.6% | ||
| Q1 24 | — | 9.7% |
每股收益（稀释后）ACTAIG
| Q4 25 | $1.23 | $1.36 | ||
| Q3 25 | $1.10 | $0.93 | ||
| Q2 25 | $1.11 | $1.98 | ||
| Q1 25 | $1.08 | $1.16 | ||
| Q4 24 | $1.05 | $1.34 | ||
| Q3 24 | $1.15 | $0.71 | ||
| Q2 24 | $1.16 | $-5.96 | ||
| Q1 24 | $1.01 | $1.74 |
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 | — |
| 总债务越低越好 | $744.5M | $9.2B |
| 股东权益账面价值 | $5.4B | $41.1B |
| 总资产 | $6.9B | $161.3B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资ACTAIG
| Q4 25 | $582.5M | — | ||
| Q3 25 | $545.6M | — | ||
| Q2 25 | $616.0M | — | ||
| Q1 25 | $639.0M | — | ||
| Q4 24 | $602.8M | — | ||
| Q3 24 | $674.9M | — | ||
| Q2 24 | $711.3M | — | ||
| Q1 24 | $624.3M | — |
总债务ACTAIG
| Q4 25 | $744.5M | $9.2B | ||
| Q3 25 | $744.1M | — | ||
| Q2 25 | $743.8M | — | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | $8.9B | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTAIG
| Q4 25 | $5.4B | $41.1B | ||
| Q3 25 | $5.3B | $41.1B | ||
| Q2 25 | $5.2B | $41.5B | ||
| Q1 25 | $5.1B | $41.4B | ||
| Q4 24 | $5.0B | $42.5B | ||
| Q3 24 | $5.0B | $45.0B | ||
| Q2 24 | $4.8B | $44.4B | ||
| Q1 24 | $4.7B | $43.4B |
总资产ACTAIG
| Q4 25 | $6.9B | $161.3B | ||
| Q3 25 | $6.9B | $163.4B | ||
| Q2 25 | $6.8B | $166.0B | ||
| Q1 25 | $6.7B | $161.9B | ||
| Q4 24 | $6.5B | $161.3B | ||
| Q3 24 | $6.6B | $169.4B | ||
| Q2 24 | $6.3B | $167.9B | ||
| Q1 24 | $6.3B | $544.1B |
负债/权益比ACTAIG
| Q4 25 | 0.14× | 0.22× | ||
| Q3 25 | 0.14× | — | ||
| Q2 25 | 0.14× | — | ||
| Q1 25 | 0.15× | — | ||
| Q4 24 | 0.15× | 0.21× | ||
| 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 | $636.0M |
| 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 | — | 0.87× |
| 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ACTAIG
| Q4 25 | $186.3M | $636.0M | ||
| Q3 25 | $192.0M | $1.3B | ||
| Q2 25 | $119.5M | $1.4B | ||
| Q1 25 | $226.7M | $-56.0M | ||
| Q4 24 | $166.1M | $125.0M | ||
| Q3 24 | $188.1M | $1.7B | ||
| Q2 24 | $144.7M | $930.0M | ||
| Q1 24 | $187.3M | $519.0M |
现金转化率ACTAIG
| Q4 25 | — | 0.87× | ||
| Q3 25 | — | 2.59× | ||
| Q2 25 | — | 1.22× | ||
| Q1 25 | — | -0.08× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 3.70× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
