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Enact Holdings, Inc.（ACT）与BLACKLINE, INC.（BL）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BLACKLINE, INC.的1.7倍（$312.7M vs $183.2M），BLACKLINE, INC.同比增速更快（8.1% vs 3.6%），过去两年BLACKLINE, INC.的营收复合增速更高（7.9% 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。
BlackLine是一家美国企业级软件公司，总部位于洛杉矶，在全球设有17个办事处，专注于开发云服务，可实现财务结账全流程自动化与管理，同时覆盖财务合并、发票到回款流程及公司间会计核算等业务场景。
ACT vs BL — 直观对比
营收规模更大
ACT
是对方的1.7倍
$183.2M
营收增速更快
BL
高出4.5%
3.6%
两年增速更快
BL
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $183.2M |
| 净利润 | — | $4.9M |
| 毛利率 | — | 75.2% |
| 营业利润率 | 71.3% | 3.7% |
| 净利率 | — | 2.7% |
| 营收同比 | 3.6% | 8.1% |
| 净利润同比 | — | -91.3% |
| 每股收益（稀释后） | $1.23 | $0.07 |
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ACTBL
| Q4 25 | $312.7M | $183.2M | ||
| Q3 25 | $311.5M | $178.3M | ||
| Q2 25 | $304.9M | $172.0M | ||
| Q1 25 | $306.8M | $166.9M | ||
| Q4 24 | $301.8M | $169.5M | ||
| Q3 24 | $309.6M | $165.9M | ||
| Q2 24 | $298.8M | $160.5M | ||
| Q1 24 | $291.6M | $157.5M |
净利润ACTBL
| Q4 25 | — | $4.9M | ||
| Q3 25 | — | $5.3M | ||
| Q2 25 | — | $8.3M | ||
| Q1 25 | — | $6.1M | ||
| Q4 24 | — | $56.4M | ||
| Q3 24 | — | $17.2M | ||
| Q2 24 | — | $76.7M | ||
| Q1 24 | — | $10.8M |
毛利率ACTBL
| Q4 25 | — | 75.2% | ||
| Q3 25 | — | 75.1% | ||
| Q2 25 | — | 75.2% | ||
| Q1 25 | — | 75.5% | ||
| Q4 24 | — | 75.6% | ||
| Q3 24 | — | 75.2% | ||
| Q2 24 | — | 74.9% | ||
| Q1 24 | — | 75.2% |
营业利润率ACTBL
| Q4 25 | 71.3% | 3.7% | ||
| Q3 25 | 67.4% | 4.3% | ||
| Q2 25 | 70.4% | 4.4% | ||
| Q1 25 | 68.9% | 2.1% | ||
| Q4 24 | 68.9% | 3.7% | ||
| Q3 24 | 74.1% | 5.0% | ||
| Q2 24 | 78.6% | 1.4% | ||
| Q1 24 | 70.6% | 1.1% |
净利率ACTBL
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | 3.0% | ||
| Q2 25 | — | 4.8% | ||
| Q1 25 | — | 3.6% | ||
| Q4 24 | — | 33.3% | ||
| Q3 24 | — | 10.4% | ||
| Q2 24 | — | 47.8% | ||
| Q1 24 | — | 6.9% |
每股收益（稀释后）ACTBL
| Q4 25 | $1.23 | $0.07 | ||
| Q3 25 | $1.10 | $0.09 | ||
| Q2 25 | $1.11 | $0.13 | ||
| Q1 25 | $1.08 | $0.10 | ||
| Q4 24 | $1.05 | $0.79 | ||
| Q3 24 | $1.15 | $0.27 | ||
| Q2 24 | $1.16 | $0.22 | ||
| Q1 24 | $1.01 | $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 | $390.0M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $332.3M |
| 总资产 | $6.9B | $1.8B |
| 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ACTBL
| Q4 25 | $582.5M | $390.0M | ||
| Q3 25 | $545.6M | $419.9M | ||
| Q2 25 | $616.0M | $459.1M | ||
| Q1 25 | $639.0M | $479.5M | ||
| Q4 24 | $602.8M | $885.9M | ||
| Q3 24 | $674.9M | $725.3M | ||
| Q2 24 | $711.3M | $616.6M | ||
| Q1 24 | $624.3M | $331.4M |
总债务ACTBL
| 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 | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTBL
| Q4 25 | $5.4B | $332.3M | ||
| Q3 25 | $5.3B | $328.3M | ||
| Q2 25 | $5.2B | $414.0M | ||
| Q1 25 | $5.1B | $417.9M | ||
| Q4 24 | $5.0B | $446.7M | ||
| Q3 24 | $5.0B | $367.9M | ||
| Q2 24 | $4.8B | $325.8M | ||
| Q1 24 | $4.7B | $279.8M |
总资产ACTBL
| Q4 25 | $6.9B | $1.8B | ||
| Q3 25 | $6.9B | $1.7B | ||
| Q2 25 | $6.8B | $1.8B | ||
| Q1 25 | $6.7B | $1.8B | ||
| Q4 24 | $6.5B | $1.8B | ||
| Q3 24 | $6.6B | $1.7B | ||
| Q2 24 | $6.3B | $1.9B | ||
| Q1 24 | $6.3B | $2.1B |
负债/权益比ACTBL
| 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× | — | ||
| 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 | $26.7M |
| 自由现金流经营现金流 - 资本支出 | — | $26.1M |
| 自由现金流率自由现金流/营收 | — | 14.2% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | — | 5.46× |
| 过去12个月自由现金流最近4个季度 | — | $161.5M |
8季度趋势，按日历期对齐
经营现金流ACTBL
| Q4 25 | $724.5M | $26.7M | ||
| Q3 25 | $192.0M | $63.8M | ||
| Q2 25 | $119.5M | $32.3M | ||
| Q1 25 | $226.7M | $46.7M | ||
| Q4 24 | $686.3M | $43.8M | ||
| Q3 24 | $188.1M | $55.9M | ||
| Q2 24 | $144.7M | $40.7M | ||
| Q1 24 | $187.3M | $50.4M |
自由现金流ACTBL
| Q4 25 | — | $26.1M | ||
| Q3 25 | — | $63.3M | ||
| Q2 25 | — | $31.4M | ||
| Q1 25 | — | $40.8M | ||
| Q4 24 | — | $43.0M | ||
| Q3 24 | — | $55.5M | ||
| Q2 24 | — | $40.0M | ||
| Q1 24 | — | $50.1M |
自由现金流率ACTBL
| Q4 25 | — | 14.2% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 18.2% | ||
| Q1 25 | — | 24.4% | ||
| Q4 24 | — | 25.4% | ||
| Q3 24 | — | 33.5% | ||
| Q2 24 | — | 24.9% | ||
| Q1 24 | — | 31.8% |
资本支出强度ACTBL
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 3.6% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.2% |
现金转化率ACTBL
| Q4 25 | — | 5.46× | ||
| Q3 25 | — | 12.07× | ||
| Q2 25 | — | 3.90× | ||
| Q1 25 | — | 7.72× | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | 3.24× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 4.66× |
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
BL
| Subscription And Circulation | $173.2M | 95% |
| Technology Service | $10.0M | 5% |
