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Enact Holdings, Inc.（ACT）与CSW INDUSTRIALS, INC.（CSW）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CSW INDUSTRIALS, INC.的1.3倍（$312.7M vs $233.0M），CSW INDUSTRIALS, INC.同比增速更快（20.3% vs 3.6%），过去两年CSW INDUSTRIALS, INC.的营收复合增速更高（5.1% 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。
ACT vs CSW — 直观对比
营收规模更大
ACT
是对方的1.3倍
$233.0M
营收增速更快
CSW
高出16.7%
3.6%
两年增速更快
CSW
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $233.0M |
| 净利润 | — | $10.3M |
| 毛利率 | — | 39.7% |
| 营业利润率 | 71.3% | 7.4% |
| 净利率 | — | 4.4% |
| 营收同比 | 3.6% | 20.3% |
| 净利润同比 | — | -61.9% |
| 每股收益（稀释后） | $1.23 | $0.62 |
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ACTCSW
| Q4 25 | $312.7M | $233.0M | ||
| Q3 25 | $311.5M | $277.0M | ||
| Q2 25 | $304.9M | $263.6M | ||
| Q1 25 | $306.8M | $230.5M | ||
| Q4 24 | $301.8M | $193.6M | ||
| Q3 24 | $309.6M | $227.9M | ||
| Q2 24 | $298.8M | $226.2M | ||
| Q1 24 | $291.6M | $210.9M |
净利润ACTCSW
| Q4 25 | — | $10.3M | ||
| Q3 25 | — | $40.7M | ||
| Q2 25 | — | $40.9M | ||
| Q1 25 | — | $35.1M | ||
| Q4 24 | — | $26.9M | ||
| Q3 24 | — | $36.1M | ||
| Q2 24 | — | $38.6M | ||
| Q1 24 | — | $31.8M |
毛利率ACTCSW
| Q4 25 | — | 39.7% | ||
| Q3 25 | — | 43.0% | ||
| Q2 25 | — | 43.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 47.5% | ||
| Q1 24 | — | 44.4% |
营业利润率ACTCSW
| Q4 25 | 71.3% | 7.4% | ||
| Q3 25 | 67.4% | 20.5% | ||
| Q2 25 | 70.4% | 20.8% | ||
| Q1 25 | 68.9% | 19.5% | ||
| Q4 24 | 68.9% | 15.3% | ||
| Q3 24 | 74.1% | 22.6% | ||
| Q2 24 | 78.6% | 24.3% | ||
| Q1 24 | 70.6% | 21.0% |
净利率ACTCSW
| Q4 25 | — | 4.4% | ||
| Q3 25 | — | 14.7% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 15.2% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 15.8% | ||
| Q2 24 | — | 17.1% | ||
| Q1 24 | — | 15.1% |
每股收益（稀释后）ACTCSW
| Q4 25 | $1.23 | $0.62 | ||
| Q3 25 | $1.10 | $2.41 | ||
| Q2 25 | $1.11 | $2.43 | ||
| Q1 25 | $1.08 | $2.05 | ||
| Q4 24 | $1.05 | $1.60 | ||
| Q3 24 | $1.15 | $2.26 | ||
| Q2 24 | $1.16 | $2.47 | ||
| Q1 24 | $1.01 | $2.03 |
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 | $40.2M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $1.1B |
| 总资产 | $6.9B | $2.3B |
| 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ACTCSW
| Q4 25 | $582.5M | $40.2M | ||
| Q3 25 | $545.6M | $31.5M | ||
| Q2 25 | $616.0M | $38.0M | ||
| Q1 25 | $639.0M | $225.8M | ||
| Q4 24 | $602.8M | $213.8M | ||
| Q3 24 | $674.9M | $273.2M | ||
| Q2 24 | $711.3M | $18.9M | ||
| Q1 24 | $624.3M | $22.2M |
总债务ACTCSW
| Q4 25 | $744.5M | — | ||
| Q3 25 | $744.1M | — | ||
| Q2 25 | $743.8M | — | ||
| Q1 25 | $743.4M | $800.1M | ||
| Q4 24 | $743.0M | — | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — | ||
| Q1 24 | $746.1M | $166.0M |
股东权益ACTCSW
| Q4 25 | $5.4B | $1.1B | ||
| Q3 25 | $5.3B | $1.1B | ||
| Q2 25 | $5.2B | $1.1B | ||
| Q1 25 | $5.1B | $1.1B | ||
| Q4 24 | $5.0B | $1.0B | ||
| Q3 24 | $5.0B | $1.0B | ||
| Q2 24 | $4.8B | $650.2M | ||
| Q1 24 | $4.7B | $615.7M |
总资产ACTCSW
| Q4 25 | $6.9B | $2.3B | ||
| Q3 25 | $6.9B | $1.5B | ||
| Q2 25 | $6.8B | $1.5B | ||
| Q1 25 | $6.7B | $1.4B | ||
| Q4 24 | $6.5B | $1.4B | ||
| Q3 24 | $6.6B | $1.4B | ||
| Q2 24 | $6.3B | $1.1B | ||
| Q1 24 | $6.3B | $1.0B |
负债/权益比ACTCSW
| Q4 25 | 0.14× | — | ||
| Q3 25 | 0.14× | — | ||
| Q2 25 | 0.14× | — | ||
| Q1 25 | 0.15× | 0.75× | ||
| Q4 24 | 0.15× | — | ||
| Q3 24 | 0.15× | — | ||
| Q2 24 | 0.15× | — | ||
| Q1 24 | 0.16× | 0.27× |
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 | $28.9M |
| 自由现金流经营现金流 - 资本支出 | — | $22.7M |
| 自由现金流率自由现金流/营收 | — | 9.8% |
| 资本支出强度资本支出/营收 | — | 2.6% |
| 现金转化率经营现金流/净利润 | — | 2.81× |
| 过去12个月自由现金流最近4个季度 | — | $162.0M |
8季度趋势，按日历期对齐
经营现金流ACTCSW
| Q4 25 | $724.5M | $28.9M | ||
| Q3 25 | $192.0M | $61.8M | ||
| Q2 25 | $119.5M | $60.6M | ||
| Q1 25 | $226.7M | $27.3M | ||
| Q4 24 | $686.3M | $11.6M | ||
| Q3 24 | $188.1M | $66.8M | ||
| Q2 24 | $144.7M | $62.7M | ||
| Q1 24 | $187.3M | $22.4M |
自由现金流ACTCSW
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $58.7M | ||
| Q2 25 | — | $57.7M | ||
| Q1 25 | — | $22.8M | ||
| Q4 24 | — | $8.5M | ||
| Q3 24 | — | $61.3M | ||
| Q2 24 | — | $59.6M | ||
| Q1 24 | — | $17.5M |
自由现金流率ACTCSW
| Q4 25 | — | 9.8% | ||
| Q3 25 | — | 21.2% | ||
| Q2 25 | — | 21.9% | ||
| Q1 25 | — | 9.9% | ||
| Q4 24 | — | 4.4% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.3% | ||
| Q1 24 | — | 8.3% |
资本支出强度ACTCSW
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.6% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 2.3% |
现金转化率ACTCSW
| Q4 25 | — | 2.81× | ||
| Q3 25 | — | 1.52× | ||
| Q2 25 | — | 1.48× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 1.85× | ||
| Q2 24 | — | 1.62× | ||
| Q1 24 | — | 0.71× |
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
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
