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Enact Holdings, Inc.（ACT）与FirstCash Holdings, Inc.（FCFS）财务数据对比。点击上方公司名可切换其他公司
FirstCash Holdings, Inc.的季度营收约是Enact Holdings, Inc.的1.6倍（$501.3M vs $312.7M），FirstCash Holdings, Inc.同比增速更快（21.2% vs 3.6%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% 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。
FirstCash Holdings, Inc.是总部位于美国得克萨斯州沃斯堡的典当企业，在美国及拉丁美洲多地运营线下典当零售门店，为纳斯达克证券交易所公开上市企业，在美洲典当服务领域拥有成熟的业务布局与完善的运营网络。
ACT vs FCFS — 直观对比
营收规模更大
FCFS
是对方的1.6倍
$312.7M
营收增速更快
FCFS
高出17.6%
3.6%
两年增速更快
FCFS
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $501.3M |
| 净利润 | — | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 28.5% |
| 净利率 | — | 20.8% |
| 营收同比 | 3.6% | 21.2% |
| 净利润同比 | — | 24.7% |
| 每股收益（稀释后） | $1.23 | $2.35 |
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ACTFCFS
| Q4 25 | $312.7M | $501.3M | ||
| Q3 25 | $311.5M | $411.0M | ||
| Q2 25 | $304.9M | $385.1M | ||
| Q1 25 | $306.8M | $371.1M | ||
| Q4 24 | $301.8M | $413.7M | ||
| Q3 24 | $309.6M | $363.1M | ||
| Q2 24 | $298.8M | $363.5M | ||
| Q1 24 | $291.6M | $366.8M |
净利润ACTFCFS
| Q4 25 | — | $104.2M | ||
| Q3 25 | — | $82.8M | ||
| Q2 25 | — | $59.8M | ||
| Q1 25 | — | $83.6M | ||
| Q4 24 | — | $83.5M | ||
| Q3 24 | — | $64.8M | ||
| Q2 24 | — | $49.1M | ||
| Q1 24 | — | $61.4M |
营业利润率ACTFCFS
| Q4 25 | 71.3% | 28.5% | ||
| Q3 25 | 67.4% | 27.4% | ||
| Q2 25 | 70.4% | 21.1% | ||
| Q1 25 | 68.9% | 30.0% | ||
| Q4 24 | 68.9% | 26.5% | ||
| Q3 24 | 74.1% | 23.5% | ||
| Q2 24 | 78.6% | 18.2% | ||
| Q1 24 | 70.6% | 22.3% |
净利率ACTFCFS
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 20.1% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 22.5% | ||
| Q4 24 | — | 20.2% | ||
| Q3 24 | — | 17.9% | ||
| Q2 24 | — | 13.5% | ||
| Q1 24 | — | 16.7% |
每股收益（稀释后）ACTFCFS
| Q4 25 | $1.23 | $2.35 | ||
| Q3 25 | $1.10 | $1.86 | ||
| Q2 25 | $1.11 | $1.34 | ||
| Q1 25 | $1.08 | $1.87 | ||
| Q4 24 | $1.05 | $1.86 | ||
| Q3 24 | $1.15 | $1.44 | ||
| Q2 24 | $1.16 | $1.08 | ||
| Q1 24 | $1.01 | $1.35 |
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 | $125.2M |
| 总债务越低越好 | $744.5M | $2.2B |
| 股东权益账面价值 | $5.4B | $2.3B |
| 总资产 | $6.9B | $5.3B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资ACTFCFS
| Q4 25 | $582.5M | $125.2M | ||
| Q3 25 | $545.6M | $130.2M | ||
| Q2 25 | $616.0M | $101.5M | ||
| Q1 25 | $639.0M | $146.0M | ||
| Q4 24 | $602.8M | $175.1M | ||
| Q3 24 | $674.9M | $106.3M | ||
| Q2 24 | $711.3M | $113.7M | ||
| Q1 24 | $624.3M | $135.1M |
总债务ACTFCFS
| Q4 25 | $744.5M | $2.2B | ||
| Q3 25 | $744.1M | $2.2B | ||
| Q2 25 | $743.8M | $1.7B | ||
| Q1 25 | $743.4M | $1.7B | ||
| Q4 24 | $743.0M | $1.7B | ||
| Q3 24 | $742.7M | $1.7B | ||
| Q2 24 | $742.4M | $1.7B | ||
| Q1 24 | $746.1M | $1.5B |
股东权益ACTFCFS
| Q4 25 | $5.4B | $2.3B | ||
| Q3 25 | $5.3B | $2.2B | ||
| Q2 25 | $5.2B | $2.1B | ||
| Q1 25 | $5.1B | $2.1B | ||
| Q4 24 | $5.0B | $2.1B | ||
| Q3 24 | $5.0B | $2.0B | ||
| Q2 24 | $4.8B | $2.0B | ||
| Q1 24 | $4.7B | $2.0B |
总资产ACTFCFS
| Q4 25 | $6.9B | $5.3B | ||
| Q3 25 | $6.9B | $5.2B | ||
| Q2 25 | $6.8B | $4.5B | ||
| Q1 25 | $6.7B | $4.4B | ||
| Q4 24 | $6.5B | $4.5B | ||
| Q3 24 | $6.6B | $4.4B | ||
| Q2 24 | $6.3B | $4.3B | ||
| Q1 24 | $6.3B | $4.2B |
负债/权益比ACTFCFS
| Q4 25 | 0.14× | 0.98× | ||
| Q3 25 | 0.14× | 1.01× | ||
| Q2 25 | 0.14× | 0.79× | ||
| Q1 25 | 0.15× | 0.83× | ||
| Q4 24 | 0.15× | 0.85× | ||
| Q3 24 | 0.15× | 0.87× | ||
| Q2 24 | 0.15× | 0.85× | ||
| Q1 24 | 0.16× | 0.75× |
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 | $206.6M |
| 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 | — | 1.98× |
| 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ACTFCFS
| Q4 25 | $724.5M | $206.6M | ||
| Q3 25 | $192.0M | $135.8M | ||
| Q2 25 | $119.5M | $116.9M | ||
| Q1 25 | $226.7M | $126.6M | ||
| Q4 24 | $686.3M | $198.1M | ||
| Q3 24 | $188.1M | $113.1M | ||
| Q2 24 | $144.7M | $106.2M | ||
| Q1 24 | $187.3M | $122.5M |
现金转化率ACTFCFS
| Q4 25 | — | 1.98× | ||
| Q3 25 | — | 1.64× | ||
| Q2 25 | — | 1.95× | ||
| Q1 25 | — | 1.51× | ||
| Q4 24 | — | 2.37× | ||
| Q3 24 | — | 1.74× | ||
| Q2 24 | — | 2.16× | ||
| Q1 24 | — | 2.00× |
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
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
