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Enact Holdings, Inc.（ACT）与Claritev Corp（CTEV）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Claritev Corp的1.3倍（$312.7M vs $246.6M），Claritev Corp同比增速更快（6.2% vs 3.6%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs 2.5%）
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 CTEV — 直观对比
营收规模更大
ACT
是对方的1.3倍
$246.6M
营收增速更快
CTEV
高出2.6%
3.6%
两年增速更快
ACT
近两年复合增速
2.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $246.6M |
| 净利润 | — | $-80.6M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | -3.1% |
| 净利率 | — | -32.7% |
| 营收同比 | 3.6% | 6.2% |
| 净利润同比 | — | 41.6% |
| 每股收益（稀释后） | $1.23 | $-4.88 |
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ACTCTEV
| Q4 25 | $312.7M | $246.6M | ||
| Q3 25 | $311.5M | $246.0M | ||
| Q2 25 | $304.9M | $241.6M | ||
| Q1 25 | $306.8M | $231.3M | ||
| Q4 24 | $301.8M | $232.1M | ||
| Q3 24 | $309.6M | $230.5M | ||
| Q2 24 | $298.8M | $233.5M | ||
| Q1 24 | $291.6M | $234.5M |
净利润ACTCTEV
| Q4 25 | — | $-80.6M | ||
| Q3 25 | — | $-69.8M | ||
| Q2 25 | — | $-62.6M | ||
| Q1 25 | — | $-71.3M | ||
| Q4 24 | — | $-138.0M | ||
| Q3 24 | — | $-391.4M | ||
| Q2 24 | — | $-576.7M | ||
| Q1 24 | — | $-539.7M |
营业利润率ACTCTEV
| Q4 25 | 71.3% | -3.1% | ||
| Q3 25 | 67.4% | 4.1% | ||
| Q2 25 | 70.4% | 6.9% | ||
| Q1 25 | 68.9% | 4.2% | ||
| Q4 24 | 68.9% | -17.8% | ||
| Q3 24 | 74.1% | -146.7% | ||
| Q2 24 | 78.6% | -224.4% | ||
| Q1 24 | 70.6% | -207.4% |
净利率ACTCTEV
| Q4 25 | — | -32.7% | ||
| Q3 25 | — | -28.4% | ||
| Q2 25 | — | -25.9% | ||
| Q1 25 | — | -30.8% | ||
| Q4 24 | — | -59.4% | ||
| Q3 24 | — | -169.8% | ||
| Q2 24 | — | -247.0% | ||
| Q1 24 | — | -230.1% |
每股收益（稀释后）ACTCTEV
| Q4 25 | $1.23 | $-4.88 | ||
| Q3 25 | $1.10 | $-4.23 | ||
| Q2 25 | $1.11 | $-3.81 | ||
| Q1 25 | $1.08 | $-4.38 | ||
| Q4 24 | $1.05 | $-8.49 | ||
| Q3 24 | $1.15 | $-24.25 | ||
| Q2 24 | $1.16 | $-35.78 | ||
| Q1 24 | $1.01 | $-33.40 |
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 | $16.8M |
| 总债务越低越好 | $744.5M | $4.6B |
| 股东权益账面价值 | $5.4B | $-173.9M |
| 总资产 | $6.9B | $4.9B |
| 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ACTCTEV
| Q4 25 | $582.5M | $16.8M | ||
| Q3 25 | $545.6M | $39.2M | ||
| Q2 25 | $616.0M | $56.4M | ||
| Q1 25 | $639.0M | $23.1M | ||
| Q4 24 | $602.8M | $16.8M | ||
| Q3 24 | $674.9M | $86.6M | ||
| Q2 24 | $711.3M | $48.8M | ||
| Q1 24 | $624.3M | $58.7M |
总债务ACTCTEV
| Q4 25 | $744.5M | $4.6B | ||
| Q3 25 | $744.1M | $4.5B | ||
| Q2 25 | $743.8M | $4.5B | ||
| Q1 25 | $743.4M | $4.5B | ||
| Q4 24 | $743.0M | $4.5B | ||
| Q3 24 | $742.7M | $4.5B | ||
| Q2 24 | $742.4M | $4.5B | ||
| Q1 24 | $746.1M | $4.5B |
股东权益ACTCTEV
| Q4 25 | $5.4B | $-173.9M | ||
| Q3 25 | $5.3B | $-101.8M | ||
| Q2 25 | $5.2B | $-39.9M | ||
| Q1 25 | $5.1B | $14.8M | ||
| Q4 24 | $5.0B | $84.0M | ||
| Q3 24 | $5.0B | $207.6M | ||
| Q2 24 | $4.8B | $603.4M | ||
| Q1 24 | $4.7B | $1.2B |
总资产ACTCTEV
| Q4 25 | $6.9B | $4.9B | ||
| Q3 25 | $6.9B | $5.0B | ||
| Q2 25 | $6.8B | $5.1B | ||
| Q1 25 | $6.7B | $5.1B | ||
| Q4 24 | $6.5B | $5.2B | ||
| Q3 24 | $6.6B | $5.3B | ||
| Q2 24 | $6.3B | $5.7B | ||
| Q1 24 | $6.3B | $6.4B |
负债/权益比ACTCTEV
| Q4 25 | 0.14× | — | ||
| Q3 25 | 0.14× | — | ||
| Q2 25 | 0.14× | — | ||
| Q1 25 | 0.15× | 304.87× | ||
| Q4 24 | 0.15× | 53.67× | ||
| Q3 24 | 0.15× | 21.73× | ||
| Q2 24 | 0.15× | 7.48× | ||
| Q1 24 | 0.16× | 3.85× |
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 | $66.3M |
| 自由现金流经营现金流 - 资本支出 | — | $36.4M |
| 自由现金流率自由现金流/营收 | — | 14.8% |
| 资本支出强度资本支出/营收 | — | 12.1% |
| 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 | — | $-12.3M |
8季度趋势，按日历期对齐
经营现金流ACTCTEV
| Q4 25 | $724.5M | $66.3M | ||
| Q3 25 | $192.0M | $19.9M | ||
| Q2 25 | $119.5M | $61.2M | ||
| Q1 25 | $226.7M | $-30.1M | ||
| Q4 24 | $686.3M | $-33.4M | ||
| Q3 24 | $188.1M | $72.8M | ||
| Q2 24 | $144.7M | $18.5M | ||
| Q1 24 | $187.3M | $49.7M |
自由现金流ACTCTEV
| Q4 25 | — | $36.4M | ||
| Q3 25 | — | $-16.3M | ||
| Q2 25 | — | $36.6M | ||
| Q1 25 | — | $-68.9M | ||
| Q4 24 | — | $-63.8M | ||
| Q3 24 | — | $41.1M | ||
| Q2 24 | — | $-7.0M | ||
| Q1 24 | — | $19.2M |
自由现金流率ACTCTEV
| Q4 25 | — | 14.8% | ||
| Q3 25 | — | -6.6% | ||
| Q2 25 | — | 15.2% | ||
| Q1 25 | — | -29.8% | ||
| Q4 24 | — | -27.5% | ||
| Q3 24 | — | 17.8% | ||
| Q2 24 | — | -3.0% | ||
| Q1 24 | — | 8.2% |
资本支出强度ACTCTEV
| Q4 25 | — | 12.1% | ||
| Q3 25 | — | 14.7% | ||
| Q2 25 | — | 10.2% | ||
| Q1 25 | — | 16.8% | ||
| Q4 24 | — | 13.1% | ||
| Q3 24 | — | 13.8% | ||
| Q2 24 | — | 10.9% | ||
| Q1 24 | — | 13.0% |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
