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Enact Holdings, Inc.（ACT）与怡安集团（AON）财务数据对比。点击上方公司名可切换其他公司
怡安集团的季度营收约是Enact Holdings, Inc.的13.8倍（$4.3B vs $312.7M）。怡安集团同比增速更快（3.7% vs 3.6%）。过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs 2.8%）
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。
怡安集团（Aon plc）是一家英美背景的专业服务企业，下设两大业务板块：风险资本板块提供风险管理、保险及再保险领域的经纪与咨询服务；人力资本板块提供健康保险、退休及养老金计划、人才咨询等相关服务。
ACT vs AON — 直观对比
营收规模更大
AON
是对方的13.8倍
$312.7M
营收增速更快
AON
高出0.1%
3.6%
两年增速更快
ACT
近两年复合增速
2.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $4.3B |
| 净利润 | — | $1.7B |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 28.1% |
| 净利率 | — | 39.4% |
| 营收同比 | 3.6% | 3.7% |
| 净利润同比 | — | 136.5% |
| 每股收益（稀释后） | $1.23 | $7.82 |
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ACTAON
| Q4 25 | $312.7M | $4.3B | ||
| Q3 25 | $311.5M | $4.0B | ||
| Q2 25 | $304.9M | $4.2B | ||
| Q1 25 | $306.8M | $4.7B | ||
| Q4 24 | $301.8M | $4.1B | ||
| Q3 24 | $309.6M | $3.7B | ||
| Q2 24 | $298.8M | $3.8B | ||
| Q1 24 | $291.6M | $4.1B |
净利润ACTAON
| Q4 25 | — | $1.7B | ||
| Q3 25 | — | $458.0M | ||
| Q2 25 | — | $579.0M | ||
| Q1 25 | — | $965.0M | ||
| Q4 24 | — | $716.0M | ||
| Q3 24 | — | $343.0M | ||
| Q2 24 | — | $524.0M | ||
| Q1 24 | — | $1.1B |
营业利润率ACTAON
| Q4 25 | 71.3% | 28.1% | ||
| Q3 25 | 67.4% | 20.4% | ||
| Q2 25 | 70.4% | 20.7% | ||
| Q1 25 | 68.9% | 30.9% | ||
| Q4 24 | 68.9% | 26.3% | ||
| Q3 24 | 74.1% | 16.7% | ||
| Q2 24 | 78.6% | 17.4% | ||
| Q1 24 | 70.6% | 36.0% |
净利率ACTAON
| Q4 25 | — | 39.4% | ||
| Q3 25 | — | 11.5% | ||
| Q2 25 | — | 13.9% | ||
| Q1 25 | — | 20.4% | ||
| Q4 24 | — | 17.3% | ||
| Q3 24 | — | 9.2% | ||
| Q2 24 | — | 13.9% | ||
| Q1 24 | — | 26.3% |
每股收益（稀释后）ACTAON
| Q4 25 | $1.23 | $7.82 | ||
| Q3 25 | $1.10 | $2.11 | ||
| Q2 25 | $1.11 | $2.66 | ||
| Q1 25 | $1.08 | $4.43 | ||
| Q4 24 | $1.05 | $3.11 | ||
| Q3 24 | $1.15 | $1.57 | ||
| Q2 24 | $1.16 | $2.46 | ||
| Q1 24 | $1.01 | $5.35 |
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 | $2.8B |
| 总债务越低越好 | $744.5M | $15.2B |
| 股东权益账面价值 | $5.4B | $9.4B |
| 总资产 | $6.9B | $50.8B |
| 负债/权益比越低杠杆越低 | 0.14× | 1.63× |
8季度趋势，按日历期对齐
现金及短期投资ACTAON
| Q4 25 | $582.5M | $2.8B | ||
| Q3 25 | $545.6M | $1.3B | ||
| Q2 25 | $616.0M | $1.4B | ||
| Q1 25 | $639.0M | $1.3B | ||
| Q4 24 | $602.8M | $1.3B | ||
| Q3 24 | $674.9M | $1.3B | ||
| Q2 24 | $711.3M | $1.2B | ||
| Q1 24 | $624.3M | $6.4B |
总债务ACTAON
| Q4 25 | $744.5M | $15.2B | ||
| Q3 25 | $744.1M | — | ||
| Q2 25 | $743.8M | — | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | $17.0B | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTAON
| Q4 25 | $5.4B | $9.4B | ||
| Q3 25 | $5.3B | $7.9B | ||
| Q2 25 | $5.2B | $7.8B | ||
| Q1 25 | $5.1B | $7.0B | ||
| Q4 24 | $5.0B | $6.1B | ||
| Q3 24 | $5.0B | $6.2B | ||
| Q2 24 | $4.8B | $5.9B | ||
| Q1 24 | $4.7B | $-133.0M |
总资产ACTAON
| Q4 25 | $6.9B | $50.8B | ||
| Q3 25 | $6.9B | $51.6B | ||
| Q2 25 | $6.8B | $54.0B | ||
| Q1 25 | $6.7B | $50.3B | ||
| Q4 24 | $6.5B | $49.0B | ||
| Q3 24 | $6.6B | $49.9B | ||
| Q2 24 | $6.3B | $51.5B | ||
| Q1 24 | $6.3B | $40.8B |
负债/权益比ACTAON
| Q4 25 | 0.14× | 1.63× | ||
| Q3 25 | 0.14× | — | ||
| Q2 25 | 0.14× | — | ||
| Q1 25 | 0.15× | — | ||
| Q4 24 | 0.15× | 2.78× | ||
| 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 | $1.4B |
| 自由现金流经营现金流 - 资本支出 | — | $1.3B |
| 自由现金流率自由现金流/营收 | — | 30.8% |
| 资本支出强度资本支出/营收 | — | 1.7% |
| 现金转化率经营现金流/净利润 | — | 0.83× |
| 过去12个月自由现金流最近4个季度 | — | $3.2B |
8季度趋势，按日历期对齐
经营现金流ACTAON
| Q4 25 | $186.3M | $1.4B | ||
| Q3 25 | $192.0M | $1.1B | ||
| Q2 25 | $119.5M | $796.0M | ||
| Q1 25 | $226.7M | $140.0M | ||
| Q4 24 | $166.1M | $1.2B | ||
| Q3 24 | $188.1M | $1.0B | ||
| Q2 24 | $144.7M | $513.0M | ||
| Q1 24 | $187.3M | $309.0M |
自由现金流ACTAON
| Q4 25 | — | $1.3B | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $732.0M | ||
| Q1 25 | — | $84.0M | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $951.0M | ||
| Q2 24 | — | $460.0M | ||
| Q1 24 | — | $261.0M |
自由现金流率ACTAON
| Q4 25 | — | 30.8% | ||
| Q3 25 | — | 27.0% | ||
| Q2 25 | — | 17.6% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 27.6% | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 12.2% | ||
| Q1 24 | — | 6.4% |
资本支出强度ACTAON
| Q4 25 | — | 1.7% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.2% |
现金转化率ACTAON
| Q4 25 | — | 0.83× | ||
| Q3 25 | — | 2.51× | ||
| Q2 25 | — | 1.37× | ||
| Q1 25 | — | 0.15× | ||
| Q4 24 | — | 1.68× | ||
| Q3 24 | — | 2.95× | ||
| Q2 24 | — | 0.98× | ||
| Q1 24 | — | 0.29× |
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
AON
| Commercial Risk Solutions | $2.3B | 54% |
| Health Solutions | $1.1B | 26% |
| Wealth Solutions | $490.0M | 11% |
| Reinsurance Solutions | $379.0M | 9% |
