vs
Enact Holdings, Inc.（ACT）与Andersons, Inc.（ANDE）财务数据对比。点击上方公司名可切换其他公司
Andersons, Inc.的季度营收约是Enact Holdings, Inc.的1.1倍（$329.5M vs $312.7M），Enact Holdings, Inc.同比增速更快（3.6% vs -2.4%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -1.8%）
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。
安德森公司（The Andersons, Inc.）是1947年成立的美国农业企业，总部位于俄亥俄州莫米。公司起源于1940年代服务粮食行业的安德森货运站，是深耕农业领域的多元化企业，业务覆盖大宗商品贸易、可再生能源以及植物营养板块。
ACT vs ANDE — 直观对比
营收规模更大
ANDE
是对方的1.1倍
$312.7M
营收增速更快
ACT
高出6.0%
-2.4%
两年增速更快
ACT
近两年复合增速
-1.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $329.5M |
| 净利润 | — | $67.4M |
| 毛利率 | — | 70.3% |
| 营业利润率 | 71.3% | 26.6% |
| 净利率 | — | 20.5% |
| 营收同比 | 3.6% | -2.4% |
| 净利润同比 | — | 49.6% |
| 每股收益（稀释后） | $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ACTANDE
| Q4 25 | $312.7M | $329.5M | ||
| Q3 25 | $311.5M | $295.8M | ||
| Q2 25 | $304.9M | $535.0M | ||
| Q1 25 | $306.8M | $370.8M | ||
| Q4 24 | $301.8M | $337.5M | ||
| Q3 24 | $309.6M | $231.9M | ||
| Q2 24 | $298.8M | $492.5M | ||
| Q1 24 | $291.6M | $341.4M |
净利润ACTANDE
| Q4 25 | — | $67.4M | ||
| Q3 25 | — | $20.1M | ||
| Q2 25 | — | $7.9M | ||
| Q1 25 | — | $284.0K | ||
| Q4 24 | — | $45.1M | ||
| Q3 24 | — | $27.4M | ||
| Q2 24 | — | $36.0M | ||
| Q1 24 | — | $5.6M |
毛利率ACTANDE
| Q4 25 | — | 70.3% | ||
| Q3 25 | — | 57.8% | ||
| Q2 25 | — | 29.6% | ||
| Q1 25 | — | 41.2% | ||
| Q4 24 | — | 63.1% | ||
| Q3 24 | — | 76.4% | ||
| Q2 24 | — | 35.6% | ||
| Q1 24 | — | 37.6% |
营业利润率ACTANDE
| Q4 25 | 71.3% | 26.6% | ||
| Q3 25 | 67.4% | 8.7% | ||
| Q2 25 | 70.4% | 4.6% | ||
| Q1 25 | 68.9% | 0.9% | ||
| Q4 24 | 68.9% | 19.9% | ||
| Q3 24 | 74.1% | 26.8% | ||
| Q2 24 | 78.6% | 11.6% | ||
| Q1 24 | 70.6% | 4.1% |
净利率ACTANDE
| Q4 25 | — | 20.5% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 13.4% | ||
| Q3 24 | — | 11.8% | ||
| Q2 24 | — | 7.3% | ||
| Q1 24 | — | 1.6% |
每股收益（稀释后）ACTANDE
| Q4 25 | $1.23 | — | ||
| Q3 25 | $1.10 | $0.59 | ||
| Q2 25 | $1.11 | $0.23 | ||
| Q1 25 | $1.08 | $0.01 | ||
| Q4 24 | $1.05 | $1.31 | ||
| Q3 24 | $1.15 | $0.80 | ||
| Q2 24 | $1.16 | $1.05 | ||
| Q1 24 | $1.01 | $0.16 |
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 | $98.3M |
| 总债务越低越好 | $744.5M | $560.0M |
| 股东权益账面价值 | $5.4B | $1.2B |
| 总资产 | $6.9B | $3.7B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.45× |
8季度趋势，按日历期对齐
现金及短期投资ACTANDE
| Q4 25 | $582.5M | $98.3M | ||
| Q3 25 | $545.6M | — | ||
| Q2 25 | $616.0M | — | ||
| Q1 25 | $639.0M | — | ||
| Q4 24 | $602.8M | $561.8M | ||
| Q3 24 | $674.9M | — | ||
| Q2 24 | $711.3M | — | ||
| Q1 24 | $624.3M | — |
总债务ACTANDE
| Q4 25 | $744.5M | $560.0M | ||
| Q3 25 | $744.1M | — | ||
| Q2 25 | $743.8M | — | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | $608.2M | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTANDE
| Q4 25 | $5.4B | $1.2B | ||
| Q3 25 | $5.3B | $1.2B | ||
| Q2 25 | $5.2B | $1.4B | ||
| Q1 25 | $5.1B | $1.4B | ||
| Q4 24 | $5.0B | $1.4B | ||
| Q3 24 | $5.0B | $1.3B | ||
| Q2 24 | $4.8B | $1.3B | ||
| Q1 24 | $4.7B | $1.3B |
总资产ACTANDE
| Q4 25 | $6.9B | $3.7B | ||
| Q3 25 | $6.9B | $3.3B | ||
| Q2 25 | $6.8B | $3.4B | ||
| Q1 25 | $6.7B | $3.8B | ||
| Q4 24 | $6.5B | $4.1B | ||
| Q3 24 | $6.6B | $3.4B | ||
| Q2 24 | $6.3B | $3.3B | ||
| Q1 24 | $6.3B | $3.3B |
负债/权益比ACTANDE
| Q4 25 | 0.14× | 0.45× | ||
| Q3 25 | 0.14× | — | ||
| Q2 25 | 0.14× | — | ||
| Q1 25 | 0.15× | — | ||
| Q4 24 | 0.15× | 0.45× | ||
| 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 | $724.5M | $-6.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-77.1M |
| 自由现金流率自由现金流/营收 | — | -23.4% |
| 资本支出强度资本支出/营收 | — | 21.5% |
| 现金转化率经营现金流/净利润 | — | -0.09× |
| 过去12个月自由现金流最近4个季度 | — | $-56.1M |
8季度趋势，按日历期对齐
经营现金流ACTANDE
| Q4 25 | $724.5M | $-6.2M | ||
| Q3 25 | $192.0M | $233.9M | ||
| Q2 25 | $119.5M | $299.3M | ||
| Q1 25 | $226.7M | $-350.0M | ||
| Q4 24 | $686.3M | $268.8M | ||
| Q3 24 | $188.1M | $-2.1M | ||
| Q2 24 | $144.7M | $304.4M | ||
| Q1 24 | $187.3M | $-239.6M |
自由现金流ACTANDE
| Q4 25 | — | $-77.1M | ||
| Q3 25 | — | $167.0M | ||
| Q2 25 | — | $250.5M | ||
| Q1 25 | — | $-396.6M | ||
| Q4 24 | — | $212.9M | ||
| Q3 24 | — | $-40.0M | ||
| Q2 24 | — | $275.8M | ||
| Q1 24 | — | $-266.4M |
自由现金流率ACTANDE
| Q4 25 | — | -23.4% | ||
| Q3 25 | — | 56.5% | ||
| Q2 25 | — | 46.8% | ||
| Q1 25 | — | -106.9% | ||
| Q4 24 | — | 63.1% | ||
| Q3 24 | — | -17.2% | ||
| Q2 24 | — | 56.0% | ||
| Q1 24 | — | -78.0% |
资本支出强度ACTANDE
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 22.6% | ||
| Q2 25 | — | 9.1% | ||
| Q1 25 | — | 12.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.3% | ||
| Q2 24 | — | 5.8% | ||
| Q1 24 | — | 7.8% |
现金转化率ACTANDE
| Q4 25 | — | -0.09× | ||
| Q3 25 | — | 11.61× | ||
| Q2 25 | — | 38.10× | ||
| Q1 25 | — | -1232.46× | ||
| Q4 24 | — | 5.96× | ||
| Q3 24 | — | -0.08× | ||
| Q2 24 | — | 8.46× | ||
| Q1 24 | — | -42.94× |
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
ANDE
| Specialty And Primary Nutrients | $137.1M | 42% |
| Premium Ingredients | $66.1M | 20% |
| Segment Reporting Reconciling Item Other | $63.2M | 19% |
| Other | $63.1M | 19% |
