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Enact Holdings, Inc.（ACT）与Dayforce（DAY）财务数据对比。点击上方公司名可切换其他公司
Dayforce的季度营收约是Enact Holdings, Inc.的1.5倍（$481.6M vs $312.7M），Dayforce同比增速更快（9.5% vs 3.6%），过去两年Dayforce的营收复合增速更高（9.8% 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。
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
ACT vs DAY — 直观对比
营收规模更大
DAY
是对方的1.5倍
$312.7M
营收增速更快
DAY
高出5.8%
3.6%
两年增速更快
DAY
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $481.6M |
| 净利润 | — | $-196.8M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 6.3% |
| 净利率 | — | -40.9% |
| 营收同比 | 3.6% | 9.5% |
| 净利润同比 | — | -9940.0% |
| 每股收益（稀释后） | $1.23 | $-1.23 |
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ACTDAY
| Q4 25 | $312.7M | — | ||
| Q3 25 | $311.5M | $481.6M | ||
| Q2 25 | $304.9M | $464.7M | ||
| Q1 25 | $306.8M | $481.8M | ||
| Q4 24 | $301.8M | $465.2M | ||
| Q3 24 | $309.6M | $440.0M | ||
| Q2 24 | $298.8M | $423.3M | ||
| Q1 24 | $291.6M | $431.5M |
净利润ACTDAY
| Q4 25 | — | — | ||
| Q3 25 | — | $-196.8M | ||
| Q2 25 | — | $21.3M | ||
| Q1 25 | — | $14.9M | ||
| Q4 24 | — | $10.8M | ||
| Q3 24 | — | $2.0M | ||
| Q2 24 | — | $-1.8M | ||
| Q1 24 | — | $7.1M |
毛利率ACTDAY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 47.0% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 44.1% | ||
| Q1 24 | — | 47.6% |
营业利润率ACTDAY
| Q4 25 | 71.3% | — | ||
| Q3 25 | 67.4% | 6.3% | ||
| Q2 25 | 70.4% | 9.1% | ||
| Q1 25 | 68.9% | 6.4% | ||
| Q4 24 | 68.9% | 6.1% | ||
| Q3 24 | 74.1% | 4.7% | ||
| Q2 24 | 78.6% | 3.3% | ||
| Q1 24 | 70.6% | 9.4% |
净利率ACTDAY
| Q4 25 | — | — | ||
| Q3 25 | — | -40.9% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 2.3% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | -0.4% | ||
| Q1 24 | — | 1.6% |
每股收益（稀释后）ACTDAY
| Q4 25 | $1.23 | — | ||
| Q3 25 | $1.10 | $-1.23 | ||
| Q2 25 | $1.11 | $0.13 | ||
| Q1 25 | $1.08 | $0.09 | ||
| Q4 24 | $1.05 | $0.07 | ||
| Q3 24 | $1.15 | $0.01 | ||
| Q2 24 | $1.16 | $-0.01 | ||
| Q1 24 | $1.01 | $0.04 |
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 | $627.6M |
| 总债务越低越好 | $744.5M | $631.1M |
| 股东权益账面价值 | $5.4B | $2.7B |
| 总资产 | $6.9B | $8.7B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资ACTDAY
| Q4 25 | $582.5M | — | ||
| Q3 25 | $545.6M | $627.6M | ||
| Q2 25 | $616.0M | $625.2M | ||
| Q1 25 | $639.0M | $557.3M | ||
| Q4 24 | $602.8M | $579.7M | ||
| Q3 24 | $674.9M | $494.1M | ||
| Q2 24 | $711.3M | $465.4M | ||
| Q1 24 | $624.3M | $392.5M |
总债务ACTDAY
| Q4 25 | $744.5M | — | ||
| Q3 25 | $744.1M | $631.1M | ||
| Q2 25 | $743.8M | $631.8M | ||
| Q1 25 | $743.4M | $632.4M | ||
| Q4 24 | $743.0M | $1.2B | ||
| Q3 24 | $742.7M | $1.2B | ||
| Q2 24 | $742.4M | $1.2B | ||
| Q1 24 | $746.1M | $1.2B |
股东权益ACTDAY
| Q4 25 | $5.4B | — | ||
| Q3 25 | $5.3B | $2.7B | ||
| Q2 25 | $5.2B | $2.7B | ||
| Q1 25 | $5.1B | $2.6B | ||
| Q4 24 | $5.0B | $2.5B | ||
| Q3 24 | $5.0B | $2.6B | ||
| Q2 24 | $4.8B | $2.5B | ||
| Q1 24 | $4.7B | $2.4B |
总资产ACTDAY
| Q4 25 | $6.9B | — | ||
| Q3 25 | $6.9B | $8.7B | ||
| Q2 25 | $6.8B | $8.5B | ||
| Q1 25 | $6.7B | $9.5B | ||
| Q4 24 | $6.5B | $9.1B | ||
| Q3 24 | $6.6B | $8.1B | ||
| Q2 24 | $6.3B | $9.0B | ||
| Q1 24 | $6.3B | $10.8B |
负债/权益比ACTDAY
| Q4 25 | 0.14× | — | ||
| Q3 25 | 0.14× | 0.23× | ||
| Q2 25 | 0.14× | 0.23× | ||
| Q1 25 | 0.15× | 0.24× | ||
| Q4 24 | 0.15× | 0.47× | ||
| Q3 24 | 0.15× | 0.47× | ||
| Q2 24 | 0.15× | 0.49× | ||
| Q1 24 | 0.16× | 0.50× |
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 | $31.2M |
| 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ACTDAY
| Q4 25 | $724.5M | — | ||
| Q3 25 | $192.0M | $31.2M | ||
| Q2 25 | $119.5M | $112.7M | ||
| Q1 25 | $226.7M | $49.6M | ||
| Q4 24 | $686.3M | $81.0M | ||
| Q3 24 | $188.1M | $91.8M | ||
| Q2 24 | $144.7M | $99.2M | ||
| Q1 24 | $187.3M | $9.1M |
现金转化率ACTDAY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 5.29× | ||
| Q1 25 | — | 3.33× | ||
| Q4 24 | — | 7.50× | ||
| Q3 24 | — | 45.90× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 1.28× |
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
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
