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Enact Holdings, Inc.（ACT）与EZCORP INC（EZPW）财务数据对比。点击上方公司名可切换其他公司
EZCORP INC的季度营收约是Enact Holdings, Inc.的1.2倍（$382.0M vs $312.7M），EZCORP INC同比增速更快（19.3% vs 3.6%），过去两年EZCORP INC的营收复合增速更高（15.6% 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。
EZCORP是总部位于美国得克萨斯州奥斯汀的典当行运营商，业务覆盖美国及拉丁美洲地区，是美国第二大典当行运营商，仅次于Cash America International，目前在纳斯达克挂牌上市。
ACT vs EZPW — 直观对比
营收规模更大
EZPW
是对方的1.2倍
$312.7M
营收增速更快
EZPW
高出15.7%
3.6%
两年增速更快
EZPW
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $382.0M |
| 净利润 | — | $44.3M |
| 毛利率 | — | 58.4% |
| 营业利润率 | 71.3% | 15.9% |
| 净利率 | — | 11.6% |
| 营收同比 | 3.6% | 19.3% |
| 净利润同比 | — | 42.8% |
| 每股收益（稀释后） | $1.23 | $0.55 |
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ACTEZPW
| Q4 25 | $312.7M | $382.0M | ||
| Q3 25 | $311.5M | $336.8M | ||
| Q2 25 | $304.9M | $311.0M | ||
| Q1 25 | $306.8M | $306.3M | ||
| Q4 24 | $301.8M | $320.2M | ||
| Q3 24 | $309.6M | $294.6M | ||
| Q2 24 | $298.8M | $281.4M | ||
| Q1 24 | $291.6M | $285.6M |
净利润ACTEZPW
| Q4 25 | — | $44.3M | ||
| Q3 25 | — | $26.7M | ||
| Q2 25 | — | $26.5M | ||
| Q1 25 | — | $25.4M | ||
| Q4 24 | — | $31.0M | ||
| Q3 24 | — | $15.2M | ||
| Q2 24 | — | $17.9M | ||
| Q1 24 | — | $21.5M |
毛利率ACTEZPW
| Q4 25 | — | 58.4% | ||
| Q3 25 | — | 59.0% | ||
| Q2 25 | — | 59.1% | ||
| Q1 25 | — | 58.3% | ||
| Q4 24 | — | 57.9% | ||
| Q3 24 | — | 59.5% | ||
| Q2 24 | — | 59.2% | ||
| Q1 24 | — | 58.7% |
营业利润率ACTEZPW
| Q4 25 | 71.3% | 15.9% | ||
| Q3 25 | 67.4% | 11.0% | ||
| Q2 25 | 70.4% | 11.6% | ||
| Q1 25 | 68.9% | 11.2% | ||
| Q4 24 | 68.9% | 13.1% | ||
| Q3 24 | 74.1% | 8.8% | ||
| Q2 24 | 78.6% | 7.9% | ||
| Q1 24 | 70.6% | 9.6% |
净利率ACTEZPW
| Q4 25 | — | 11.6% | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 8.5% | ||
| Q1 25 | — | 8.3% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | — | 5.2% | ||
| Q2 24 | — | 6.4% | ||
| Q1 24 | — | 7.5% |
每股收益（稀释后）ACTEZPW
| Q4 25 | $1.23 | $0.55 | ||
| Q3 25 | $1.10 | $0.35 | ||
| Q2 25 | $1.11 | $0.34 | ||
| Q1 25 | $1.08 | $0.33 | ||
| Q4 24 | $1.05 | $0.40 | ||
| Q3 24 | $1.15 | $0.20 | ||
| Q2 24 | $1.16 | $0.25 | ||
| 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 | $465.9M |
| 总债务越低越好 | $744.5M | $518.6M |
| 股东权益账面价值 | $5.4B | $1.1B |
| 总资产 | $6.9B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.48× |
8季度趋势，按日历期对齐
现金及短期投资ACTEZPW
| Q4 25 | $582.5M | $465.9M | ||
| Q3 25 | $545.6M | $469.5M | ||
| Q2 25 | $616.0M | $472.1M | ||
| Q1 25 | $639.0M | $505.2M | ||
| Q4 24 | $602.8M | $174.5M | ||
| Q3 24 | $674.9M | $170.5M | ||
| Q2 24 | $711.3M | $218.0M | ||
| Q1 24 | $624.3M | $229.1M |
总债务ACTEZPW
| Q4 25 | $744.5M | $518.6M | ||
| Q3 25 | $744.1M | $518.1M | ||
| Q2 25 | $743.8M | $517.6M | ||
| Q1 25 | $743.4M | $620.5M | ||
| Q4 24 | $743.0M | $327.7M | ||
| Q3 24 | $742.7M | $327.3M | ||
| Q2 24 | $742.4M | $361.3M | ||
| Q1 24 | $746.1M | $360.9M |
股东权益ACTEZPW
| Q4 25 | $5.4B | $1.1B | ||
| Q3 25 | $5.3B | $1.0B | ||
| Q2 25 | $5.2B | $990.1M | ||
| Q1 25 | $5.1B | $851.6M | ||
| Q4 24 | $5.0B | $823.9M | ||
| Q3 24 | $5.0B | $804.6M | ||
| Q2 24 | $4.8B | $801.5M | ||
| Q1 24 | $4.7B | $800.4M |
总资产ACTEZPW
| Q4 25 | $6.9B | $2.0B | ||
| Q3 25 | $6.9B | $2.0B | ||
| Q2 25 | $6.8B | $1.9B | ||
| Q1 25 | $6.7B | $1.8B | ||
| Q4 24 | $6.5B | $1.5B | ||
| Q3 24 | $6.6B | $1.5B | ||
| Q2 24 | $6.3B | $1.5B | ||
| Q1 24 | $6.3B | $1.5B |
负债/权益比ACTEZPW
| Q4 25 | 0.14× | 0.48× | ||
| Q3 25 | 0.14× | 0.51× | ||
| Q2 25 | 0.14× | 0.52× | ||
| Q1 25 | 0.15× | 0.73× | ||
| Q4 24 | 0.15× | 0.40× | ||
| Q3 24 | 0.15× | 0.41× | ||
| Q2 24 | 0.15× | 0.45× | ||
| Q1 24 | 0.16× | 0.45× |
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 | $39.1M |
| 自由现金流经营现金流 - 资本支出 | — | $31.7M |
| 自由现金流率自由现金流/营收 | — | 8.3% |
| 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 | — | 0.88× |
| 过去12个月自由现金流最近4个季度 | — | $121.7M |
8季度趋势，按日历期对齐
经营现金流ACTEZPW
| Q4 25 | $724.5M | $39.1M | ||
| Q3 25 | $192.0M | $51.3M | ||
| Q2 25 | $119.5M | $34.8M | ||
| Q1 25 | $226.7M | $36.9M | ||
| Q4 24 | $686.3M | $26.0M | ||
| Q3 24 | $188.1M | $43.3M | ||
| Q2 24 | $144.7M | $33.7M | ||
| Q1 24 | $187.3M | $15.1M |
自由现金流ACTEZPW
| Q4 25 | — | $31.7M | ||
| Q3 25 | — | $35.7M | ||
| Q2 25 | — | $25.7M | ||
| Q1 25 | — | $28.6M | ||
| Q4 24 | — | $20.4M | ||
| Q3 24 | — | $24.4M | ||
| Q2 24 | — | $30.5M | ||
| Q1 24 | — | $8.6M |
自由现金流率ACTEZPW
| Q4 25 | — | 8.3% | ||
| Q3 25 | — | 10.6% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 10.8% | ||
| Q1 24 | — | 3.0% |
资本支出强度ACTEZPW
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 4.6% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 6.4% | ||
| Q2 24 | — | 1.1% | ||
| Q1 24 | — | 2.3% |
现金转化率ACTEZPW
| Q4 25 | — | 0.88× | ||
| Q3 25 | — | 1.92× | ||
| Q2 25 | — | 1.31× | ||
| Q1 25 | — | 1.45× | ||
| Q4 24 | — | 0.84× | ||
| Q3 24 | — | 2.85× | ||
| Q2 24 | — | 1.88× | ||
| Q1 24 | — | 0.70× |
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
EZPW
| Merchandise | $210.1M | 55% |
| Pawn Service | $131.9M | 35% |
| Jewelry Scrap | $39.9M | 10% |
