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Enact Holdings, Inc.（ACT）与ExlService Holdings, Inc.（EXLS）财务数据对比。点击上方公司名可切换其他公司
ExlService Holdings, Inc.的季度营收约是Enact Holdings, Inc.的1.7倍（$542.6M vs $312.7M），ExlService Holdings, Inc.同比增速更快（12.7% vs 3.6%），过去两年ExlService Holdings, Inc.的营收复合增速更高（11.5% 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。
ExlService Holdings Inc.是全球知名的分析与数字解决方案服务商，服务覆盖保险、医疗健康、银行金融服务、媒体、零售等多个行业，总部位于纽约，在美国、欧洲、亚洲、拉美、澳大利亚、南非等地拥有超过5.4万名专业从业人员。
ACT vs EXLS — 直观对比
营收规模更大
EXLS
是对方的1.7倍
$312.7M
营收增速更快
EXLS
高出9.1%
3.6%
两年增速更快
EXLS
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $542.6M |
| 净利润 | — | $60.2M |
| 毛利率 | — | 38.6% |
| 营业利润率 | 71.3% | 14.4% |
| 净利率 | — | 11.1% |
| 营收同比 | 3.6% | 12.7% |
| 净利润同比 | — | 18.9% |
| 每股收益（稀释后） | $1.23 | $0.38 |
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ACTEXLS
| Q4 25 | $312.7M | $542.6M | ||
| Q3 25 | $311.5M | $529.6M | ||
| Q2 25 | $304.9M | $514.5M | ||
| Q1 25 | $306.8M | $501.0M | ||
| Q4 24 | $301.8M | $481.4M | ||
| Q3 24 | $309.6M | $472.1M | ||
| Q2 24 | $298.8M | $448.4M | ||
| Q1 24 | $291.6M | $436.5M |
净利润ACTEXLS
| Q4 25 | — | $60.2M | ||
| Q3 25 | — | $58.2M | ||
| Q2 25 | — | $66.1M | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | — | $50.7M | ||
| Q3 24 | — | $53.0M | ||
| Q2 24 | — | $45.8M | ||
| Q1 24 | — | $48.8M |
毛利率ACTEXLS
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 38.5% | ||
| Q2 25 | — | 37.7% | ||
| Q1 25 | — | 38.6% | ||
| Q4 24 | — | 38.1% | ||
| Q3 24 | — | 37.8% | ||
| Q2 24 | — | 37.1% | ||
| Q1 24 | — | 37.4% |
营业利润率ACTEXLS
| Q4 25 | 71.3% | 14.4% | ||
| Q3 25 | 67.4% | 14.4% | ||
| Q2 25 | 70.4% | 15.8% | ||
| Q1 25 | 68.9% | 15.7% | ||
| Q4 24 | 68.9% | 14.8% | ||
| Q3 24 | 74.1% | 14.7% | ||
| Q2 24 | 78.6% | 13.7% | ||
| Q1 24 | 70.6% | 14.1% |
净利率ACTEXLS
| Q4 25 | — | 11.1% | ||
| Q3 25 | — | 11.0% | ||
| Q2 25 | — | 12.8% | ||
| Q1 25 | — | 13.3% | ||
| Q4 24 | — | 10.5% | ||
| Q3 24 | — | 11.2% | ||
| Q2 24 | — | 10.2% | ||
| Q1 24 | — | 11.2% |
每股收益（稀释后）ACTEXLS
| Q4 25 | $1.23 | $0.38 | ||
| Q3 25 | $1.10 | $0.36 | ||
| Q2 25 | $1.11 | $0.40 | ||
| Q1 25 | $1.08 | $0.40 | ||
| Q4 24 | $1.05 | $0.31 | ||
| Q3 24 | $1.15 | $0.33 | ||
| Q2 24 | $1.16 | $0.28 | ||
| Q1 24 | $1.01 | $0.29 |
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 | $328.4M |
| 总债务越低越好 | $744.5M | $298.6M |
| 股东权益账面价值 | $5.4B | $912.7M |
| 总资产 | $6.9B | $1.7B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资ACTEXLS
| Q4 25 | $582.5M | $328.4M | ||
| Q3 25 | $545.6M | $390.1M | ||
| Q2 25 | $616.0M | $353.3M | ||
| Q1 25 | $639.0M | $331.4M | ||
| Q4 24 | $602.8M | $340.6M | ||
| Q3 24 | $674.9M | $325.8M | ||
| Q2 24 | $711.3M | $276.1M | ||
| Q1 24 | $624.3M | $246.2M |
总债务ACTEXLS
| Q4 25 | $744.5M | $298.6M | ||
| Q3 25 | $744.1M | $354.8M | ||
| Q2 25 | $743.8M | $260.0M | ||
| Q1 25 | $743.4M | $307.3M | ||
| Q4 24 | $743.0M | $288.5M | ||
| Q3 24 | $742.7M | $344.7M | ||
| Q2 24 | $742.4M | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTEXLS
| Q4 25 | $5.4B | $912.7M | ||
| Q3 25 | $5.3B | $952.4M | ||
| Q2 25 | $5.2B | $1.1B | ||
| Q1 25 | $5.1B | $1.0B | ||
| Q4 24 | $5.0B | $929.9M | ||
| Q3 24 | $5.0B | $907.6M | ||
| Q2 24 | $4.8B | $852.6M | ||
| Q1 24 | $4.7B | $803.3M |
总资产ACTEXLS
| Q4 25 | $6.9B | $1.7B | ||
| Q3 25 | $6.9B | $1.7B | ||
| Q2 25 | $6.8B | $1.7B | ||
| Q1 25 | $6.7B | $1.7B | ||
| Q4 24 | $6.5B | $1.6B | ||
| Q3 24 | $6.6B | $1.6B | ||
| Q2 24 | $6.3B | $1.5B | ||
| Q1 24 | $6.3B | $1.4B |
负债/权益比ACTEXLS
| Q4 25 | 0.14× | 0.33× | ||
| Q3 25 | 0.14× | 0.37× | ||
| Q2 25 | 0.14× | 0.25× | ||
| Q1 25 | 0.15× | 0.30× | ||
| Q4 24 | 0.15× | 0.31× | ||
| Q3 24 | 0.15× | 0.38× | ||
| 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 | $724.5M | $117.4M |
| 自由现金流经营现金流 - 资本支出 | — | $106.5M |
| 自由现金流率自由现金流/营收 | — | 19.6% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | 1.95× |
| 过去12个月自由现金流最近4个季度 | — | $298.1M |
8季度趋势，按日历期对齐
经营现金流ACTEXLS
| Q4 25 | $724.5M | $117.4M | ||
| Q3 25 | $192.0M | $120.7M | ||
| Q2 25 | $119.5M | $109.4M | ||
| Q1 25 | $226.7M | $3.2M | ||
| Q4 24 | $686.3M | $105.3M | ||
| Q3 24 | $188.1M | $110.1M | ||
| Q2 24 | $144.7M | $74.9M | ||
| Q1 24 | $187.3M | $-21.9M |
自由现金流ACTEXLS
| Q4 25 | — | $106.5M | ||
| Q3 25 | — | $106.4M | ||
| Q2 25 | — | $95.0M | ||
| Q1 25 | — | $-9.7M | ||
| Q4 24 | — | $95.3M | ||
| Q3 24 | — | $97.3M | ||
| Q2 24 | — | $62.8M | ||
| Q1 24 | — | $-33.1M |
自由现金流率ACTEXLS
| Q4 25 | — | 19.6% | ||
| Q3 25 | — | 20.1% | ||
| Q2 25 | — | 18.5% | ||
| Q1 25 | — | -1.9% | ||
| Q4 24 | — | 19.8% | ||
| Q3 24 | — | 20.6% | ||
| Q2 24 | — | 14.0% | ||
| Q1 24 | — | -7.6% |
资本支出强度ACTEXLS
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 2.8% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 2.1% | ||
| Q3 24 | — | 2.7% | ||
| Q2 24 | — | 2.7% | ||
| Q1 24 | — | 2.6% |
现金转化率ACTEXLS
| Q4 25 | — | 1.95× | ||
| Q3 25 | — | 2.08× | ||
| Q2 25 | — | 1.66× | ||
| Q1 25 | — | 0.05× | ||
| Q4 24 | — | 2.08× | ||
| Q3 24 | — | 2.08× | ||
| Q2 24 | — | 1.63× | ||
| Q1 24 | — | -0.45× |
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
EXLS
| Insurance | $185.8M | 34% |
| Healthcare And Life Sciences | $142.2M | 26% |
| Banking Capital Markets And Diversified Industries | $122.6M | 23% |
| International Growth Markets | $92.0M | 17% |
