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Enact Holdings, Inc.（ACT）与美国运通（AXP）财务数据对比。点击上方公司名可切换其他公司
Enact Holdings, Inc.的季度营收约是美国运通的16.5倍（$312.7M vs $18.9M）。美国运通同比增速更快（11.4% vs 3.6%）。过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -95.6%）
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。
美国运通是全球知名的支付服务提供商，主营签账卡、信用卡产品及旅行相关服务，下设全球消费者服务、全球商业服务、全球商户与网络服务三大业务板块，还提供支付融资、网络服务、应付账款费用管理、旅行生活服务等多元解决方案。
ACT vs AXP — 直观对比
营收规模更大
ACT
是对方的16.5倍
$18.9M
营收增速更快
AXP
高出7.8%
3.6%
两年增速更快
ACT
近两年复合增速
-95.6%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $18.9M |
| 净利润 | — | $3.0M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | — |
| 净利率 | — | 15.7% |
| 营收同比 | 3.6% | 11.4% |
| 净利润同比 | — | 15.0% |
| 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ACTAXP
| Q1 26 | — | $18.9M | ||
| Q4 25 | $312.7M | $10.9B | ||
| Q3 25 | $311.5M | $10.4B | ||
| Q2 25 | $304.9M | $10.3B | ||
| Q1 25 | $306.8M | $9.6B | ||
| Q4 24 | $301.8M | $10.0B | ||
| Q3 24 | $309.6M | $9.7B | ||
| Q2 24 | $298.8M | $9.8B |
净利润ACTAXP
| Q1 26 | — | $3.0M | ||
| Q4 25 | — | $2.5B | ||
| Q3 25 | — | $2.9B | ||
| Q2 25 | — | $2.9B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $2.2B | ||
| Q3 24 | — | $2.5B | ||
| Q2 24 | — | $3.0B |
营业利润率ACTAXP
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | 28.2% | ||
| Q3 25 | 67.4% | 36.7% | ||
| Q2 25 | 70.4% | 34.4% | ||
| Q1 25 | 68.9% | 34.6% | ||
| Q4 24 | 68.9% | 27.7% | ||
| Q3 24 | 74.1% | 33.0% | ||
| Q2 24 | 78.6% | 38.6% |
净利率ACTAXP
| Q1 26 | — | 15.7% | ||
| Q4 25 | — | 22.5% | ||
| Q3 25 | — | 27.9% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 21.8% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 30.7% |
每股收益（稀释后）ACTAXP
| Q1 26 | — | — | ||
| Q4 25 | $1.23 | $3.52 | ||
| Q3 25 | $1.10 | $4.14 | ||
| Q2 25 | $1.11 | $4.08 | ||
| Q1 25 | $1.08 | $3.64 | ||
| Q4 24 | $1.05 | $3.04 | ||
| Q3 24 | $1.15 | $3.49 | ||
| Q2 24 | $1.16 | $4.15 |
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 | $60.4M |
| 股东权益账面价值 | $5.4B | $34.0M |
| 总资产 | $6.9B | $308.9M |
| 负债/权益比越低杠杆越低 | 0.14× | 1.78× |
8季度趋势，按日历期对齐
现金及短期投资ACTAXP
| Q1 26 | — | — | ||
| Q4 25 | $582.5M | $742.0M | ||
| Q3 25 | $545.6M | $1.3B | ||
| Q2 25 | $616.0M | $197.0M | ||
| Q1 25 | $639.0M | $261.0M | ||
| Q4 24 | $602.8M | $221.0M | ||
| Q3 24 | $674.9M | $120.0M | ||
| Q2 24 | $711.3M | $188.0M |
总债务ACTAXP
| Q1 26 | — | $60.4M | ||
| Q4 25 | $744.5M | $56.4B | ||
| Q3 25 | $744.1M | $57.8B | ||
| Q2 25 | $743.8M | $58.2B | ||
| Q1 25 | $743.4M | $51.2B | ||
| Q4 24 | $743.0M | $49.7B | ||
| Q3 24 | $742.7M | $53.5B | ||
| Q2 24 | $742.4M | $51.5B |
股东权益ACTAXP
| Q1 26 | — | $34.0M | ||
| Q4 25 | $5.4B | $33.5B | ||
| Q3 25 | $5.3B | $32.4B | ||
| Q2 25 | $5.2B | $32.3B | ||
| Q1 25 | $5.1B | $31.2B | ||
| Q4 24 | $5.0B | $30.3B | ||
| Q3 24 | $5.0B | $29.7B | ||
| Q2 24 | $4.8B | $29.5B |
总资产ACTAXP
| Q1 26 | — | $308.9M | ||
| Q4 25 | $6.9B | $300.1B | ||
| Q3 25 | $6.9B | $297.6B | ||
| Q2 25 | $6.8B | $295.6B | ||
| Q1 25 | $6.7B | $282.2B | ||
| Q4 24 | $6.5B | $271.5B | ||
| Q3 24 | $6.6B | $271.0B | ||
| Q2 24 | $6.3B | $272.2B |
负债/权益比ACTAXP
| Q1 26 | — | 1.78× | ||
| Q4 25 | 0.14× | 1.68× | ||
| Q3 25 | 0.14× | 1.78× | ||
| Q2 25 | 0.14× | 1.80× | ||
| Q1 25 | 0.15× | 1.64× | ||
| Q4 24 | 0.15× | 1.64× | ||
| Q3 24 | 0.15× | 1.80× | ||
| Q2 24 | 0.15× | 1.74× |
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 | — |
| 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 | — | — |
| 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ACTAXP
| Q1 26 | — | — | ||
| Q4 25 | $186.3M | $3.1B | ||
| Q3 25 | $192.0M | $6.2B | ||
| Q2 25 | $119.5M | $4.4B | ||
| Q1 25 | $226.7M | $4.8B | ||
| Q4 24 | $166.1M | $5.8B | ||
| Q3 24 | $188.1M | $-1.8B | ||
| Q2 24 | $144.7M | $4.5B |
自由现金流ACTAXP
| Q1 26 | — | — | ||
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $5.6B | ||
| Q2 25 | — | $3.7B | ||
| Q1 25 | — | $4.3B | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | $-2.3B | ||
| Q2 24 | — | $4.0B |
自由现金流率ACTAXP
| Q1 26 | — | — | ||
| Q4 25 | — | 21.4% | ||
| Q3 25 | — | 53.6% | ||
| Q2 25 | — | 36.3% | ||
| Q1 25 | — | 45.0% | ||
| Q4 24 | — | 53.1% | ||
| Q3 24 | — | -23.3% | ||
| Q2 24 | — | 40.4% |
资本支出强度ACTAXP
| Q1 26 | — | — | ||
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 6.0% | ||
| Q1 25 | — | 4.5% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 5.8% |
现金转化率ACTAXP
| Q1 26 | — | — | ||
| Q4 25 | — | 1.25× | ||
| Q3 25 | — | 2.15× | ||
| Q2 25 | — | 1.51× | ||
| Q1 25 | — | 1.84× | ||
| Q4 24 | — | 2.66× | ||
| Q3 24 | — | -0.72× | ||
| Q2 24 | — | 1.50× |
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
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
