vs
Enact Holdings, Inc.（ACT）与优尼威（CLMB）财务数据对比。点击上方公司名可切换其他公司
Enact Holdings, Inc.的季度营收约是优尼威的1.7倍（$312.7M vs $182.4M），优尼威同比增速更快（32.1% vs 3.6%），过去两年优尼威的营收复合增速更高（40.7% 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。
优尼威解决方案是一家全球化学品与原料分销商，同时可为客户提供各类增值服务，在行业内拥有广泛的全球布局与专业服务能力。
ACT vs CLMB — 直观对比
营收规模更大
ACT
是对方的1.7倍
$182.4M
营收增速更快
CLMB
高出28.5%
3.6%
两年增速更快
CLMB
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $182.4M |
| 净利润 | — | $3.3M |
| 毛利率 | — | 14.5% |
| 营业利润率 | 71.3% | 2.1% |
| 净利率 | — | 1.8% |
| 营收同比 | 3.6% | 32.1% |
| 净利润同比 | — | -9.5% |
| 每股收益（稀释后） | $1.23 | $0.18 |
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ACTCLMB
| Q1 26 | — | $182.4M | ||
| Q4 25 | $312.7M | $193.8M | ||
| Q3 25 | $311.5M | $161.3M | ||
| Q2 25 | $304.9M | $159.3M | ||
| Q1 25 | $306.8M | $138.0M | ||
| Q4 24 | $301.8M | $161.8M | ||
| Q3 24 | $309.6M | $119.3M | ||
| Q2 24 | $298.8M | $92.1M |
净利润ACTCLMB
| Q1 26 | — | $3.3M | ||
| Q4 25 | — | $7.0M | ||
| Q3 25 | — | $4.7M | ||
| Q2 25 | — | $6.0M | ||
| Q1 25 | — | $3.7M | ||
| Q4 24 | — | $7.0M | ||
| Q3 24 | — | $5.5M | ||
| Q2 24 | — | $3.4M |
毛利率ACTCLMB
| Q1 26 | — | 14.5% | ||
| Q4 25 | — | 15.4% | ||
| Q3 25 | — | 15.9% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 16.9% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 20.2% |
营业利润率ACTCLMB
| Q1 26 | — | 2.1% | ||
| Q4 25 | 71.3% | 4.9% | ||
| Q3 25 | 67.4% | 4.3% | ||
| Q2 25 | 70.4% | 5.0% | ||
| Q1 25 | 68.9% | 3.5% | ||
| Q4 24 | 68.9% | 7.2% | ||
| Q3 24 | 74.1% | 7.1% | ||
| Q2 24 | 78.6% | 4.6% |
净利率ACTCLMB
| Q1 26 | — | 1.8% | ||
| Q4 25 | — | 3.6% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 4.3% | ||
| Q3 24 | — | 4.6% | ||
| Q2 24 | — | 3.7% |
每股收益（稀释后）ACTCLMB
| Q1 26 | — | $0.18 | ||
| Q4 25 | $1.23 | $1.51 | ||
| Q3 25 | $1.10 | $1.02 | ||
| Q2 25 | $1.11 | $1.30 | ||
| Q1 25 | $1.08 | $0.81 | ||
| Q4 24 | $1.05 | $1.52 | ||
| Q3 24 | $1.15 | $1.19 | ||
| Q2 24 | $1.16 | $0.75 |
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 | $41.8M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $118.4M |
| 总资产 | $6.9B | $458.8M |
| 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ACTCLMB
| Q1 26 | — | $41.8M | ||
| Q4 25 | $582.5M | $36.6M | ||
| Q3 25 | $545.6M | $49.8M | ||
| Q2 25 | $616.0M | $28.6M | ||
| Q1 25 | $639.0M | $32.5M | ||
| Q4 24 | $602.8M | $29.8M | ||
| Q3 24 | $674.9M | $22.1M | ||
| Q2 24 | $711.3M | $48.4M |
总债务ACTCLMB
| 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ACTCLMB
| Q1 26 | — | $118.4M | ||
| Q4 25 | $5.4B | $116.6M | ||
| Q3 25 | $5.3B | $109.3M | ||
| Q2 25 | $5.2B | $105.2M | ||
| Q1 25 | $5.1B | $95.6M | ||
| Q4 24 | $5.0B | $90.6M | ||
| Q3 24 | $5.0B | $87.7M | ||
| Q2 24 | $4.8B | $79.8M |
总资产ACTCLMB
| Q1 26 | — | $458.8M | ||
| Q4 25 | $6.9B | $460.2M | ||
| Q3 25 | $6.9B | $376.1M | ||
| Q2 25 | $6.8B | $420.7M | ||
| Q1 25 | $6.7B | $370.1M | ||
| Q4 24 | $6.5B | $469.2M | ||
| Q3 24 | $6.6B | $371.9M | ||
| Q2 24 | $6.3B | $302.8M |
负债/权益比ACTCLMB
| 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 | — | — |
| 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ACTCLMB
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $-11.9M | ||
| Q3 25 | $192.0M | $22.2M | ||
| Q2 25 | $119.5M | $-2.2M | ||
| Q1 25 | $226.7M | $8.5M | ||
| Q4 24 | $686.3M | $16.0M | ||
| Q3 24 | $188.1M | $-3.6M | ||
| Q2 24 | $144.7M | $7.3M |
现金转化率ACTCLMB
| Q1 26 | — | — | ||
| Q4 25 | — | -1.70× | ||
| Q3 25 | — | 4.73× | ||
| Q2 25 | — | -0.37× | ||
| Q1 25 | — | 2.30× | ||
| Q4 24 | — | 2.29× | ||
| Q3 24 | — | -0.66× | ||
| Q2 24 | — | 2.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
