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Enact Holdings, Inc.（ACT）与EVERTEC, Inc.（EVTC）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EVERTEC, Inc.的1.3倍（$312.1M vs $244.8M），Enact Holdings, Inc.净利率更高（53.8% vs 15.1%，领先38.7%），EVERTEC, Inc.同比增速更快（13.1% vs 1.7%），过去两年EVERTEC, Inc.的营收复合增速更高（9.2% vs 2.2%）
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。
EVERTEC Inc.是总部位于波多黎各的领先全品类支付技术与交易处理服务商，主要面向拉丁美洲及加勒比地区的金融机构、零售商户和政府客户，提供商户收单、电子资金转账、数字支付解决方案及业务流程外包服务。
ACT vs EVTC — 直观对比
营收规模更大
ACT
是对方的1.3倍
$244.8M
营收增速更快
EVTC
高出11.4%
1.7%
净利率更高
ACT
高出38.7%
15.1%
两年增速更快
EVTC
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $244.8M |
| 净利润 | $168.0M | $37.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 17.6% |
| 净利率 | 53.8% | 15.1% |
| 营收同比 | 1.7% | 13.1% |
| 净利润同比 | 1.2% | -8.9% |
| 每股收益（稀释后） | $1.18 | $0.57 |
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ACTEVTC
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | $244.8M | ||
| Q3 25 | $311.5M | $228.6M | ||
| Q2 25 | $304.9M | $229.6M | ||
| Q1 25 | $306.8M | $228.8M | ||
| Q4 24 | $301.8M | $216.4M | ||
| Q3 24 | $309.6M | $211.8M | ||
| Q2 24 | $298.8M | $212.0M |
净利润ACTEVTC
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $37.0M | ||
| Q3 25 | — | $32.9M | ||
| Q2 25 | — | $40.5M | ||
| Q1 25 | — | $32.7M | ||
| Q4 24 | — | $40.7M | ||
| Q3 24 | — | $24.7M | ||
| Q2 24 | — | $31.9M |
营业利润率ACTEVTC
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | 17.6% | ||
| Q3 25 | 67.4% | 16.5% | ||
| Q2 25 | 70.4% | 24.4% | ||
| Q1 25 | 68.9% | 21.6% | ||
| Q4 24 | 68.9% | 22.2% | ||
| Q3 24 | 74.1% | 19.6% | ||
| Q2 24 | 78.6% | 20.5% |
净利率ACTEVTC
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | 15.1% | ||
| Q3 25 | — | 14.4% | ||
| Q2 25 | — | 17.6% | ||
| Q1 25 | — | 14.3% | ||
| Q4 24 | — | 18.8% | ||
| Q3 24 | — | 11.7% | ||
| Q2 24 | — | 15.0% |
每股收益（稀释后）ACTEVTC
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | $0.57 | ||
| Q3 25 | $1.10 | $0.51 | ||
| Q2 25 | $1.11 | $0.62 | ||
| Q1 25 | $1.08 | $0.50 | ||
| Q4 24 | $1.05 | $0.62 | ||
| Q3 24 | $1.15 | $0.38 | ||
| Q2 24 | $1.16 | $0.49 |
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 | $549.0M | $306.0M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $621.6M |
| 总资产 | $7.0B | $2.2B |
| 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ACTEVTC
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | $306.0M | ||
| Q3 25 | $545.6M | $474.7M | ||
| Q2 25 | $616.0M | $290.6M | ||
| Q1 25 | $639.0M | $265.9M | ||
| Q4 24 | $602.8M | $273.6M | ||
| Q3 24 | $674.9M | $275.4M | ||
| Q2 24 | $711.3M | $257.7M |
总债务ACTEVTC
| Q1 26 | $744.9M | — | ||
| 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 | — |
股东权益ACTEVTC
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $621.6M | ||
| Q3 25 | $5.3B | $663.8M | ||
| Q2 25 | $5.2B | $612.3M | ||
| Q1 25 | $5.1B | $542.1M | ||
| Q4 24 | $5.0B | $472.5M | ||
| Q3 24 | $5.0B | $502.6M | ||
| Q2 24 | $4.8B | $483.4M |
总资产ACTEVTC
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | $2.2B | ||
| Q3 25 | $6.9B | $2.1B | ||
| Q2 25 | $6.8B | $2.0B | ||
| Q1 25 | $6.7B | $1.9B | ||
| Q4 24 | $6.5B | $1.9B | ||
| Q3 24 | $6.6B | $1.9B | ||
| Q2 24 | $6.3B | $1.9B |
负债/权益比ACTEVTC
| Q1 26 | 0.14× | — | ||
| 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× | — |
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 | — | $70.0M |
| 自由现金流经营现金流 - 资本支出 | — | $63.7M |
| 自由现金流率自由现金流/营收 | — | 26.0% |
| 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 | — | 1.89× |
| 过去12个月自由现金流最近4个季度 | — | $203.7M |
8季度趋势，按日历期对齐
经营现金流ACTEVTC
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $70.0M | ||
| Q3 25 | $192.0M | $70.9M | ||
| Q2 25 | $119.5M | $48.5M | ||
| Q1 25 | $226.7M | $37.6M | ||
| Q4 24 | $686.3M | $75.2M | ||
| Q3 24 | $188.1M | $53.6M | ||
| Q2 24 | $144.7M | $90.6M |
自由现金流ACTEVTC
| Q1 26 | — | — | ||
| Q4 25 | — | $63.7M | ||
| Q3 25 | — | $65.3M | ||
| Q2 25 | — | $43.5M | ||
| Q1 25 | — | $31.2M | ||
| Q4 24 | — | $70.8M | ||
| Q3 24 | — | $49.7M | ||
| Q2 24 | — | $78.8M |
自由现金流率ACTEVTC
| Q1 26 | — | — | ||
| Q4 25 | — | 26.0% | ||
| Q3 25 | — | 28.5% | ||
| Q2 25 | — | 18.9% | ||
| Q1 25 | — | 13.7% | ||
| Q4 24 | — | 32.7% | ||
| Q3 24 | — | 23.5% | ||
| Q2 24 | — | 37.2% |
资本支出强度ACTEVTC
| Q1 26 | — | — | ||
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | — | 2.0% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 5.6% |
现金转化率ACTEVTC
| Q1 26 | — | — | ||
| Q4 25 | — | 1.89× | ||
| Q3 25 | — | 2.16× | ||
| Q2 25 | — | 1.20× | ||
| Q1 25 | — | 1.15× | ||
| Q4 24 | — | 1.85× | ||
| Q3 24 | — | 2.17× | ||
| Q2 24 | — | 2.84× |
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
| Premiums | $242.8M | 78% |
| Other | $69.2M | 22% |
EVTC
| Latin America Payments And Solutions | $101.5M | 41% |
| Business Solutions | $58.3M | 24% |
| Merchant Acquiring Net | $48.2M | 20% |
| Payment Services Puerto Rico Caribbean | $36.8M | 15% |
| Transferred At Point In Time | $4.0M | 2% |
