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Enact Holdings, Inc.（ACT）与Bandwidth Inc.（BAND）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Bandwidth Inc.的1.5倍（$312.7M vs $208.8M），Bandwidth Inc.同比增速更快（20.1% vs 3.6%），过去两年Bandwidth Inc.的营收复合增速更高（9.7% vs 3.6%）
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。
Bandwidth Inc.是一家通信平台即服务提供商，依托自有全球IP语音网络，为客户提供语音、短信及应急服务相关的软件API产品，帮助开发者便捷集成通信功能，全球客户可借助其方案快速搭建符合需求的通信服务体系。
ACT vs BAND — 直观对比
营收规模更大
ACT
是对方的1.5倍
$208.8M
营收增速更快
BAND
高出16.5%
3.6%
两年增速更快
BAND
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $208.8M |
| 净利润 | — | $4.0M |
| 毛利率 | — | 37.3% |
| 营业利润率 | 71.3% | 60.5% |
| 净利率 | — | 1.9% |
| 营收同比 | 3.6% | 20.1% |
| 净利润同比 | — | 200.0% |
| 每股收益（稀释后） | $1.23 | $-0.08 |
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ACTBAND
| Q1 26 | — | $208.8M | ||
| Q4 25 | $312.7M | $207.7M | ||
| Q3 25 | $311.5M | $191.9M | ||
| Q2 25 | $304.9M | $180.0M | ||
| Q1 25 | $306.8M | $174.2M | ||
| Q4 24 | $301.8M | $210.0M | ||
| Q3 24 | $309.6M | $193.9M | ||
| Q2 24 | $298.8M | $173.6M |
净利润ACTBAND
| Q1 26 | — | $4.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $-1.2M | ||
| Q2 25 | — | $-4.9M | ||
| Q1 25 | — | $-3.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $413.0K | ||
| Q2 24 | — | $4.1M |
毛利率ACTBAND
| Q1 26 | — | 37.3% | ||
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 38.5% | ||
| Q2 25 | — | 39.8% | ||
| Q1 25 | — | 41.0% | ||
| Q4 24 | — | 36.4% | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 37.3% |
营业利润率ACTBAND
| Q1 26 | — | 60.5% | ||
| Q4 25 | 71.3% | -1.9% | ||
| Q3 25 | 67.4% | -1.0% | ||
| Q2 25 | 70.4% | -2.1% | ||
| Q1 25 | 68.9% | -2.7% | ||
| Q4 24 | 68.9% | -1.3% | ||
| Q3 24 | 74.1% | -0.5% | ||
| Q2 24 | 78.6% | -3.5% |
净利率ACTBAND
| Q1 26 | — | 1.9% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | -0.6% | ||
| Q2 25 | — | -2.7% | ||
| Q1 25 | — | -2.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 2.3% |
每股收益（稀释后）ACTBAND
| Q1 26 | — | $-0.08 | ||
| Q4 25 | $1.23 | $-0.10 | ||
| Q3 25 | $1.10 | $-0.04 | ||
| Q2 25 | $1.11 | $-0.16 | ||
| Q1 25 | $1.08 | $-0.13 | ||
| Q4 24 | $1.05 | $0.27 | ||
| Q3 24 | $1.15 | $0.01 | ||
| Q2 24 | $1.16 | $-0.17 |
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 | $47.3M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $405.7M |
| 总资产 | $6.9B | $984.2M |
| 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ACTBAND
| Q1 26 | — | $47.3M | ||
| Q4 25 | $582.5M | $111.3M | ||
| Q3 25 | $545.6M | $80.4M | ||
| Q2 25 | $616.0M | $68.1M | ||
| Q1 25 | $639.0M | $41.7M | ||
| Q4 24 | $602.8M | $83.8M | ||
| Q3 24 | $674.9M | $79.9M | ||
| Q2 24 | $711.3M | $76.4M |
总债务ACTBAND
| Q1 26 | — | — | ||
| 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 | — |
股东权益ACTBAND
| Q1 26 | — | $405.7M | ||
| Q4 25 | $5.4B | $400.0M | ||
| Q3 25 | $5.3B | $392.7M | ||
| Q2 25 | $5.2B | $384.5M | ||
| Q1 25 | $5.1B | $345.4M | ||
| Q4 24 | $5.0B | $312.5M | ||
| Q3 24 | $5.0B | $336.6M | ||
| Q2 24 | $4.8B | $307.4M |
总资产ACTBAND
| Q1 26 | — | $984.2M | ||
| Q4 25 | $6.9B | $1.1B | ||
| Q3 25 | $6.9B | $1.0B | ||
| Q2 25 | $6.8B | $1.0B | ||
| Q1 25 | $6.7B | $964.4M | ||
| Q4 24 | $6.5B | $989.2M | ||
| Q3 24 | $6.6B | $1.0B | ||
| Q2 24 | $6.3B | $1.0B |
负债/权益比ACTBAND
| Q1 26 | — | — | ||
| 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× | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | $-1.0M |
| 自由现金流率自由现金流/营收 | — | -0.5% |
| 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ACTBAND
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $38.6M | ||
| Q3 25 | $192.0M | $22.2M | ||
| Q2 25 | $119.5M | $31.7M | ||
| Q1 25 | $226.7M | $-3.1M | ||
| Q4 24 | $686.3M | $36.5M | ||
| Q3 24 | $188.1M | $20.5M | ||
| Q2 24 | $144.7M | $24.4M |
自由现金流ACTBAND
| Q1 26 | — | $-1.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率ACTBAND
| Q1 26 | — | -0.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率ACTBAND
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 49.55× | ||
| Q2 24 | — | 6.03× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
