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Enact Holdings, Inc.（ACT）与CORVEL CORP（CRVL）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CORVEL CORP的1.3倍（$312.7M vs $235.6M）。Enact Holdings, Inc.同比增速更快（3.6% vs 3.4%）。过去两年CORVEL CORP的营收复合增速更高（6.6% 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。
Corvel Corp是一家总部位于美国的综合解决方案供应商，核心业务涵盖工伤赔偿、医疗管理与风险缓释，服务客户包括保险公司、自保雇主及公共部门机构，可帮助客户控制医疗成本、提升护理效果、优化行政运营流程。
ACT vs CRVL — 直观对比
营收规模更大
ACT
是对方的1.3倍
$235.6M
营收增速更快
ACT
高出0.3%
3.4%
两年增速更快
CRVL
近两年复合增速
3.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $235.6M |
| 净利润 | — | $24.2M |
| 毛利率 | — | 23.3% |
| 营业利润率 | 71.3% | 13.7% |
| 净利率 | — | 10.3% |
| 营收同比 | 3.6% | 3.4% |
| 净利润同比 | — | 1.7% |
| 每股收益（稀释后） | $1.23 | $0.47 |
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ACTCRVL
| Q4 25 | $312.7M | $235.6M | ||
| Q3 25 | $311.5M | $239.6M | ||
| Q2 25 | $304.9M | $234.7M | ||
| Q1 25 | $306.8M | $231.5M | ||
| Q4 24 | $301.8M | $228.0M | ||
| Q3 24 | $309.6M | $224.4M | ||
| Q2 24 | $298.8M | $211.7M | ||
| Q1 24 | $291.6M | $207.2M |
净利润ACTCRVL
| Q4 25 | — | $24.2M | ||
| Q3 25 | — | $27.9M | ||
| Q2 25 | — | $27.2M | ||
| Q1 25 | — | $26.4M | ||
| Q4 24 | — | $23.8M | ||
| Q3 24 | — | $23.4M | ||
| Q2 24 | — | $21.6M | ||
| Q1 24 | — | $19.5M |
毛利率ACTCRVL
| Q4 25 | — | 23.3% | ||
| Q3 25 | — | 24.3% | ||
| Q2 25 | — | 24.2% | ||
| Q1 25 | — | 25.0% | ||
| Q4 24 | — | 23.2% | ||
| Q3 24 | — | 22.6% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 20.9% |
营业利润率ACTCRVL
| Q4 25 | 71.3% | 13.7% | ||
| Q3 25 | 67.4% | 15.0% | ||
| Q2 25 | 70.4% | 15.0% | ||
| Q1 25 | 68.9% | 14.4% | ||
| Q4 24 | 68.9% | 13.5% | ||
| Q3 24 | 74.1% | 12.8% | ||
| Q2 24 | 78.6% | 13.2% | ||
| Q1 24 | 70.6% | 10.9% |
净利率ACTCRVL
| Q4 25 | — | 10.3% | ||
| Q3 25 | — | 11.6% | ||
| Q2 25 | — | 11.6% | ||
| Q1 25 | — | 11.4% | ||
| Q4 24 | — | 10.4% | ||
| Q3 24 | — | 10.4% | ||
| Q2 24 | — | 10.2% | ||
| Q1 24 | — | 9.4% |
每股收益（稀释后）ACTCRVL
| Q4 25 | $1.23 | $0.47 | ||
| Q3 25 | $1.10 | $0.54 | ||
| Q2 25 | $1.11 | $0.52 | ||
| Q1 25 | $1.08 | $-1.23 | ||
| Q4 24 | $1.05 | $0.46 | ||
| Q3 24 | $1.15 | $1.35 | ||
| Q2 24 | $1.16 | $1.25 | ||
| Q1 24 | $1.01 | $1.12 |
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 | $230.0M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $375.7M |
| 总资产 | $6.9B | $644.8M |
| 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ACTCRVL
| Q4 25 | $582.5M | $230.0M | ||
| Q3 25 | $545.6M | $207.5M | ||
| Q2 25 | $616.0M | $202.0M | ||
| Q1 25 | $639.0M | $170.6M | ||
| Q4 24 | $602.8M | $162.9M | ||
| Q3 24 | $674.9M | $138.3M | ||
| Q2 24 | $711.3M | $131.9M | ||
| Q1 24 | $624.3M | $105.6M |
总债务ACTCRVL
| 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ACTCRVL
| Q4 25 | $5.4B | $375.7M | ||
| Q3 25 | $5.3B | $362.8M | ||
| Q2 25 | $5.2B | $342.5M | ||
| Q1 25 | $5.1B | $322.0M | ||
| Q4 24 | $5.0B | $300.9M | ||
| Q3 24 | $5.0B | $282.8M | ||
| Q2 24 | $4.8B | $263.9M | ||
| Q1 24 | $4.7B | $247.6M |
总资产ACTCRVL
| Q4 25 | $6.9B | $644.8M | ||
| Q3 25 | $6.9B | $611.7M | ||
| Q2 25 | $6.8B | $597.4M | ||
| Q1 25 | $6.7B | $546.0M | ||
| Q4 24 | $6.5B | $538.8M | ||
| Q3 24 | $6.6B | $518.6M | ||
| Q2 24 | $6.3B | $486.2M | ||
| Q1 24 | $6.3B | $454.7M |
负债/权益比ACTCRVL
| 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 | $186.3M | $46.1M |
| 自由现金流经营现金流 - 资本支出 | — | $35.2M |
| 自由现金流率自由现金流/营收 | — | 14.9% |
| 资本支出强度资本支出/营收 | — | 4.7% |
| 现金转化率经营现金流/净利润 | — | 1.91× |
| 过去12个月自由现金流最近4个季度 | — | $104.3M |
8季度趋势，按日历期对齐
经营现金流ACTCRVL
| Q4 25 | $186.3M | $46.1M | ||
| Q3 25 | $192.0M | $25.0M | ||
| Q2 25 | $119.5M | $55.0M | ||
| Q1 25 | $226.7M | $22.9M | ||
| Q4 24 | $166.1M | $41.6M | ||
| Q3 24 | $188.1M | $22.3M | ||
| Q2 24 | $144.7M | $40.4M | ||
| Q1 24 | $187.3M | $15.2M |
自由现金流ACTCRVL
| Q4 25 | — | $35.2M | ||
| Q3 25 | — | $15.3M | ||
| Q2 25 | — | $39.5M | ||
| Q1 25 | — | $14.3M | ||
| Q4 24 | — | $32.1M | ||
| Q3 24 | — | $12.4M | ||
| Q2 24 | — | $32.8M | ||
| Q1 24 | — | $5.2M |
自由现金流率ACTCRVL
| Q4 25 | — | 14.9% | ||
| Q3 25 | — | 6.4% | ||
| Q2 25 | — | 16.8% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | — | 14.1% | ||
| Q3 24 | — | 5.5% | ||
| Q2 24 | — | 15.5% | ||
| Q1 24 | — | 2.5% |
资本支出强度ACTCRVL
| Q4 25 | — | 4.7% | ||
| Q3 25 | — | 4.1% | ||
| Q2 25 | — | 6.6% | ||
| Q1 25 | — | 3.7% | ||
| Q4 24 | — | 4.2% | ||
| Q3 24 | — | 4.4% | ||
| Q2 24 | — | 3.6% | ||
| Q1 24 | — | 4.8% |
现金转化率ACTCRVL
| Q4 25 | — | 1.91× | ||
| Q3 25 | — | 0.90× | ||
| Q2 25 | — | 2.02× | ||
| Q1 25 | — | 0.87× | ||
| Q4 24 | — | 1.75× | ||
| Q3 24 | — | 0.95× | ||
| Q2 24 | — | 1.87× | ||
| Q1 24 | — | 0.78× |
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
CRVL
| Patient Management Services | $146.1M | 62% |
| Network Solutions Services | $89.6M | 38% |
