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Enact Holdings, Inc.（ACT）与Cadre Holdings, Inc.（CDRE）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Cadre Holdings, Inc.的1.9倍（$312.7M vs $167.2M），Enact Holdings, Inc.同比增速更快（3.6% vs -5.0%），过去两年Cadre Holdings, Inc.的营收复合增速更高（10.1% 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。
Cadre Holdings, Inc.是美国金融科技企业，面向个人及机构客户提供房地产投资项目直投渠道，覆盖纽约等地的商业地产。公司打造的投资平台支持投资者自主选择参与的具体交易项目，且投资门槛远低于全额收购物业所需资金，让不动产投资变得更接近股票交易，获得财经媒体的广泛认可。
ACT vs CDRE — 直观对比
营收规模更大
ACT
是对方的1.9倍
$167.2M
营收增速更快
ACT
高出8.6%
-5.0%
两年增速更快
CDRE
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $167.2M |
| 净利润 | — | $11.7M |
| 毛利率 | — | 43.4% |
| 营业利润率 | 71.3% | 12.2% |
| 净利率 | — | 7.0% |
| 营收同比 | 3.6% | -5.0% |
| 净利润同比 | — | -9.6% |
| 每股收益（稀释后） | $1.23 | $0.22 |
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ACTCDRE
| Q4 25 | $312.7M | $167.2M | ||
| Q3 25 | $311.5M | $155.9M | ||
| Q2 25 | $304.9M | $157.1M | ||
| Q1 25 | $306.8M | $130.1M | ||
| Q4 24 | $301.8M | $176.0M | ||
| Q3 24 | $309.6M | $109.4M | ||
| Q2 24 | $298.8M | $144.3M | ||
| Q1 24 | $291.6M | $137.9M |
净利润ACTCDRE
| Q4 25 | — | $11.7M | ||
| Q3 25 | — | $10.9M | ||
| Q2 25 | — | $12.2M | ||
| Q1 25 | — | $9.2M | ||
| Q4 24 | — | $13.0M | ||
| Q3 24 | — | $3.7M | ||
| Q2 24 | — | $12.6M | ||
| Q1 24 | — | $6.9M |
毛利率ACTCDRE
| Q4 25 | — | 43.4% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 40.9% | ||
| Q1 25 | — | 43.1% | ||
| Q4 24 | — | 43.9% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 40.6% | ||
| Q1 24 | — | 41.8% |
营业利润率ACTCDRE
| Q4 25 | 71.3% | 12.2% | ||
| Q3 25 | 67.4% | 12.0% | ||
| Q2 25 | 70.4% | 9.3% | ||
| Q1 25 | 68.9% | 10.4% | ||
| Q4 24 | 68.9% | 16.7% | ||
| Q3 24 | 74.1% | 5.0% | ||
| Q2 24 | 78.6% | 13.8% | ||
| Q1 24 | 70.6% | 8.7% |
净利率ACTCDRE
| Q4 25 | — | 7.0% | ||
| Q3 25 | — | 7.0% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 7.1% | ||
| Q4 24 | — | 7.4% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | 8.7% | ||
| Q1 24 | — | 5.0% |
每股收益（稀释后）ACTCDRE
| Q4 25 | $1.23 | $0.22 | ||
| Q3 25 | $1.10 | $0.27 | ||
| Q2 25 | $1.11 | $0.30 | ||
| Q1 25 | $1.08 | $0.23 | ||
| Q4 24 | $1.05 | $0.32 | ||
| Q3 24 | $1.15 | $0.09 | ||
| Q2 24 | $1.16 | $0.31 | ||
| Q1 24 | $1.01 | $0.18 |
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 | $122.9M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $317.8M |
| 总资产 | $6.9B | $770.0M |
| 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ACTCDRE
| Q4 25 | $582.5M | $122.9M | ||
| Q3 25 | $545.6M | $150.9M | ||
| Q2 25 | $616.0M | $137.5M | ||
| Q1 25 | $639.0M | $133.4M | ||
| Q4 24 | $602.8M | $124.9M | ||
| Q3 24 | $674.9M | $93.0M | ||
| Q2 24 | $711.3M | $105.9M | ||
| Q1 24 | $624.3M | $87.1M |
总债务ACTCDRE
| 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ACTCDRE
| Q4 25 | $5.4B | $317.8M | ||
| Q3 25 | $5.3B | $340.4M | ||
| Q2 25 | $5.2B | $332.5M | ||
| Q1 25 | $5.1B | $317.6M | ||
| Q4 24 | $5.0B | $311.5M | ||
| Q3 24 | $5.0B | $300.3M | ||
| Q2 24 | $4.8B | $299.4M | ||
| Q1 24 | $4.7B | $270.7M |
总资产ACTCDRE
| Q4 25 | $6.9B | $770.0M | ||
| Q3 25 | $6.9B | $792.1M | ||
| Q2 25 | $6.8B | $794.4M | ||
| Q1 25 | $6.7B | $656.3M | ||
| Q4 24 | $6.5B | $652.7M | ||
| Q3 24 | $6.6B | $616.6M | ||
| Q2 24 | $6.3B | $620.6M | ||
| Q1 24 | $6.3B | $599.4M |
负债/权益比ACTCDRE
| 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 | $21.3M |
| 自由现金流经营现金流 - 资本支出 | — | $18.0M |
| 自由现金流率自由现金流/营收 | — | 10.7% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | 1.81× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流ACTCDRE
| Q4 25 | $724.5M | $21.3M | ||
| Q3 25 | $192.0M | $22.5M | ||
| Q2 25 | $119.5M | $2.6M | ||
| Q1 25 | $226.7M | $17.4M | ||
| Q4 24 | $686.3M | $23.7M | ||
| Q3 24 | $188.1M | $-5.2M | ||
| Q2 24 | $144.7M | $11.1M | ||
| Q1 24 | $187.3M | $2.1M |
自由现金流ACTCDRE
| Q4 25 | — | $18.0M | ||
| Q3 25 | — | $21.6M | ||
| Q2 25 | — | $1.2M | ||
| Q1 25 | — | $16.1M | ||
| Q4 24 | — | $22.4M | ||
| Q3 24 | — | $-6.2M | ||
| Q2 24 | — | $9.1M | ||
| Q1 24 | — | $794.0K |
自由现金流率ACTCDRE
| Q4 25 | — | 10.7% | ||
| Q3 25 | — | 13.9% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 12.4% | ||
| Q4 24 | — | 12.7% | ||
| Q3 24 | — | -5.7% | ||
| Q2 24 | — | 6.3% | ||
| Q1 24 | — | 0.6% |
资本支出强度ACTCDRE
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.0% |
现金转化率ACTCDRE
| Q4 25 | — | 1.81× | ||
| Q3 25 | — | 2.05× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 1.88× | ||
| Q4 24 | — | 1.83× | ||
| Q3 24 | — | -1.43× | ||
| Q2 24 | — | 0.89× | ||
| Q1 24 | — | 0.31× |
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
CDRE
| U.s.state And Local Agencies | $72.7M | 43% |
| Other | $48.6M | 29% |
| U.s.Federal Agencies | $31.6M | 19% |
| Commercial | $12.0M | 7% |
