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Enact Holdings, Inc.（ACT）与Coursera, Inc.（COUR）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Coursera, Inc.的1.6倍（$312.7M vs $196.9M），Coursera, Inc.同比增速更快（9.9% vs 3.6%），过去两年Coursera, 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。
Coursera Inc.是美国营利性在线教育平台，由斯坦福大学计算机科学教授吴恩达与达芙妮·科勒于2012年创立。创立初期它作为全球大型开放式网络课程平台运营，目前和全球多所大学及各类机构合作，提供涵盖多个学科领域的在线课程、证书与学位项目。
ACT vs COUR — 直观对比
营收规模更大
ACT
是对方的1.6倍
$196.9M
营收增速更快
COUR
高出6.3%
3.6%
两年增速更快
COUR
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $196.9M |
| 净利润 | — | $-26.8M |
| 毛利率 | — | 54.2% |
| 营业利润率 | 71.3% | -16.4% |
| 净利率 | — | -13.6% |
| 营收同比 | 3.6% | 9.9% |
| 净利润同比 | — | -24.1% |
| 每股收益（稀释后） | $1.23 | $-0.16 |
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ACTCOUR
| Q4 25 | $312.7M | $196.9M | ||
| Q3 25 | $311.5M | $194.2M | ||
| Q2 25 | $304.9M | $187.1M | ||
| Q1 25 | $306.8M | $179.3M | ||
| Q4 24 | $301.8M | $179.2M | ||
| Q3 24 | $309.6M | $176.1M | ||
| Q2 24 | $298.8M | $170.3M | ||
| Q1 24 | $291.6M | $169.1M |
净利润ACTCOUR
| Q4 25 | — | $-26.8M | ||
| Q3 25 | — | $-8.6M | ||
| Q2 25 | — | $-7.8M | ||
| Q1 25 | — | $-7.8M | ||
| Q4 24 | — | $-21.6M | ||
| Q3 24 | — | $-13.7M | ||
| Q2 24 | — | $-22.9M | ||
| Q1 24 | — | $-21.3M |
毛利率ACTCOUR
| Q4 25 | — | 54.2% | ||
| Q3 25 | — | 54.6% | ||
| Q2 25 | — | 54.9% | ||
| Q1 25 | — | 54.6% | ||
| Q4 24 | — | 53.3% | ||
| Q3 24 | — | 54.6% | ||
| Q2 24 | — | 53.0% | ||
| Q1 24 | — | 52.9% |
营业利润率ACTCOUR
| Q4 25 | 71.3% | -16.4% | ||
| Q3 25 | 67.4% | -8.0% | ||
| Q2 25 | 70.4% | -8.1% | ||
| Q1 25 | 68.9% | -8.0% | ||
| Q4 24 | 68.9% | -17.0% | ||
| Q3 24 | 74.1% | -12.3% | ||
| Q2 24 | 78.6% | -18.3% | ||
| Q1 24 | 70.6% | -17.6% |
净利率ACTCOUR
| Q4 25 | — | -13.6% | ||
| Q3 25 | — | -4.4% | ||
| Q2 25 | — | -4.2% | ||
| Q1 25 | — | -4.4% | ||
| Q4 24 | — | -12.1% | ||
| Q3 24 | — | -7.8% | ||
| Q2 24 | — | -13.4% | ||
| Q1 24 | — | -12.6% |
每股收益（稀释后）ACTCOUR
| Q4 25 | $1.23 | $-0.16 | ||
| Q3 25 | $1.10 | $-0.05 | ||
| Q2 25 | $1.11 | $-0.05 | ||
| Q1 25 | $1.08 | $-0.05 | ||
| Q4 24 | $1.05 | $-0.13 | ||
| Q3 24 | $1.15 | $-0.09 | ||
| Q2 24 | $1.16 | $-0.15 | ||
| Q1 24 | $1.01 | $-0.14 |
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 | $792.6M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $635.7M |
| 总资产 | $6.9B | $1.0B |
| 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ACTCOUR
| Q4 25 | $582.5M | $792.6M | ||
| Q3 25 | $545.6M | $797.7M | ||
| Q2 25 | $616.0M | $775.1M | ||
| Q1 25 | $639.0M | $748.0M | ||
| Q4 24 | $602.8M | $726.1M | ||
| Q3 24 | $674.9M | $719.4M | ||
| Q2 24 | $711.3M | $708.8M | ||
| Q1 24 | $624.3M | $725.4M |
总债务ACTCOUR
| 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ACTCOUR
| Q4 25 | $5.4B | $635.7M | ||
| Q3 25 | $5.3B | $639.5M | ||
| Q2 25 | $5.2B | $627.0M | ||
| Q1 25 | $5.1B | $610.5M | ||
| Q4 24 | $5.0B | $597.4M | ||
| Q3 24 | $5.0B | $593.3M | ||
| Q2 24 | $4.8B | $585.2M | ||
| Q1 24 | $4.7B | $609.1M |
总资产ACTCOUR
| Q4 25 | $6.9B | $1.0B | ||
| Q3 25 | $6.9B | $995.3M | ||
| Q2 25 | $6.8B | $979.9M | ||
| Q1 25 | $6.7B | $951.2M | ||
| Q4 24 | $6.5B | $930.3M | ||
| Q3 24 | $6.6B | $914.1M | ||
| Q2 24 | $6.3B | $904.4M | ||
| Q1 24 | $6.3B | $916.3M |
负债/权益比ACTCOUR
| 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 | $5.8M |
| 自由现金流经营现金流 - 资本支出 | — | $5.4M |
| 自由现金流率自由现金流/营收 | — | 2.7% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 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 | — | $107.2M |
8季度趋势，按日历期对齐
经营现金流ACTCOUR
| Q4 25 | $724.5M | $5.8M | ||
| Q3 25 | $192.0M | $33.9M | ||
| Q2 25 | $119.5M | $35.5M | ||
| Q1 25 | $226.7M | $33.5M | ||
| Q4 24 | $686.3M | $19.2M | ||
| Q3 24 | $188.1M | $27.9M | ||
| Q2 24 | $144.7M | $23.8M | ||
| Q1 24 | $187.3M | $24.5M |
自由现金流ACTCOUR
| Q4 25 | — | $5.4M | ||
| Q3 25 | — | $33.7M | ||
| Q2 25 | — | $35.1M | ||
| Q1 25 | — | $33.0M | ||
| Q4 24 | — | $18.1M | ||
| Q3 24 | — | $27.7M | ||
| Q2 24 | — | $23.6M | ||
| Q1 24 | — | $24.4M |
自由现金流率ACTCOUR
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | 17.4% | ||
| Q2 25 | — | 18.8% | ||
| Q1 25 | — | 18.4% | ||
| Q4 24 | — | 10.1% | ||
| Q3 24 | — | 15.7% | ||
| Q2 24 | — | 13.9% | ||
| Q1 24 | — | 14.4% |
资本支出强度ACTCOUR
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
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
COUR
| Consumer Segment | $131.5M | 67% |
| Enterprise Segment | $65.4M | 33% |
