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Enact Holdings, Inc.（ACT）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是Enact Holdings, Inc.的1.6倍（$512.0M vs $312.7M），Fair Isaac同比增速更快（16.4% vs 3.6%），过去两年Fair Isaac的营收复合增速更高（8.6% 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。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
ACT vs FICO — 直观对比
营收规模更大
FICO
是对方的1.6倍
$312.7M
营收增速更快
FICO
高出12.7%
3.6%
两年增速更快
FICO
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $512.0M |
| 净利润 | — | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | 71.3% | 45.7% |
| 净利率 | — | 30.9% |
| 营收同比 | 3.6% | 16.4% |
| 净利润同比 | — | 3.8% |
| 每股收益（稀释后） | $1.23 | $6.61 |
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ACTFICO
| Q4 25 | $312.7M | $512.0M | ||
| Q3 25 | $311.5M | $515.8M | ||
| Q2 25 | $304.9M | $536.4M | ||
| Q1 25 | $306.8M | $498.7M | ||
| Q4 24 | $301.8M | $440.0M | ||
| Q3 24 | $309.6M | $453.8M | ||
| Q2 24 | $298.8M | $447.8M | ||
| Q1 24 | $291.6M | $433.8M |
净利润ACTFICO
| Q4 25 | — | $158.4M | ||
| Q3 25 | — | $155.0M | ||
| Q2 25 | — | $181.8M | ||
| Q1 25 | — | $162.6M | ||
| Q4 24 | — | $152.5M | ||
| Q3 24 | — | $135.7M | ||
| Q2 24 | — | $126.3M | ||
| Q1 24 | — | $129.8M |
毛利率ACTFICO
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% | ||
| Q1 24 | — | 80.0% |
营业利润率ACTFICO
| Q4 25 | 71.3% | 45.7% | ||
| Q3 25 | 67.4% | 46.0% | ||
| Q2 25 | 70.4% | 48.9% | ||
| Q1 25 | 68.9% | 49.3% | ||
| Q4 24 | 68.9% | 40.8% | ||
| Q3 24 | 74.1% | 43.4% | ||
| Q2 24 | 78.6% | 42.5% | ||
| Q1 24 | 70.6% | 44.9% |
净利率ACTFICO
| Q4 25 | — | 30.9% | ||
| Q3 25 | — | 30.1% | ||
| Q2 25 | — | 33.9% | ||
| Q1 25 | — | 32.6% | ||
| Q4 24 | — | 34.7% | ||
| Q3 24 | — | 29.9% | ||
| Q2 24 | — | 28.2% | ||
| Q1 24 | — | 29.9% |
每股收益（稀释后）ACTFICO
| Q4 25 | $1.23 | $6.61 | ||
| Q3 25 | $1.10 | $6.41 | ||
| Q2 25 | $1.11 | $7.40 | ||
| Q1 25 | $1.08 | $6.59 | ||
| Q4 24 | $1.05 | $6.14 | ||
| Q3 24 | $1.15 | $5.44 | ||
| Q2 24 | $1.16 | $5.05 | ||
| Q1 24 | $1.01 | $5.16 |
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 | $162.0M |
| 总债务越低越好 | $744.5M | $3.2B |
| 股东权益账面价值 | $5.4B | $-1.8B |
| 总资产 | $6.9B | $1.9B |
| 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ACTFICO
| Q4 25 | $582.5M | $162.0M | ||
| Q3 25 | $545.6M | $134.1M | ||
| Q2 25 | $616.0M | $189.0M | ||
| Q1 25 | $639.0M | $146.6M | ||
| Q4 24 | $602.8M | $184.3M | ||
| Q3 24 | $674.9M | $150.7M | ||
| Q2 24 | $711.3M | $156.0M | ||
| Q1 24 | $624.3M | $135.7M |
总债务ACTFICO
| Q4 25 | $744.5M | $3.2B | ||
| Q3 25 | $744.1M | $3.1B | ||
| Q2 25 | $743.8M | $2.8B | ||
| Q1 25 | $743.4M | $2.5B | ||
| Q4 24 | $743.0M | $2.4B | ||
| Q3 24 | $742.7M | $2.2B | ||
| Q2 24 | $742.4M | $2.1B | ||
| Q1 24 | $746.1M | $2.0B |
股东权益ACTFICO
| Q4 25 | $5.4B | $-1.8B | ||
| Q3 25 | $5.3B | $-1.7B | ||
| Q2 25 | $5.2B | $-1.4B | ||
| Q1 25 | $5.1B | $-1.1B | ||
| Q4 24 | $5.0B | $-1.1B | ||
| Q3 24 | $5.0B | $-962.7M | ||
| Q2 24 | $4.8B | $-829.3M | ||
| Q1 24 | $4.7B | $-735.7M |
总资产ACTFICO
| Q4 25 | $6.9B | $1.9B | ||
| Q3 25 | $6.9B | $1.9B | ||
| Q2 25 | $6.8B | $1.9B | ||
| Q1 25 | $6.7B | $1.8B | ||
| Q4 24 | $6.5B | $1.7B | ||
| Q3 24 | $6.6B | $1.7B | ||
| Q2 24 | $6.3B | $1.7B | ||
| Q1 24 | $6.3B | $1.7B |
负债/权益比ACTFICO
| 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× | — | ||
| 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 | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流ACTFICO
| Q4 25 | $724.5M | $174.1M | ||
| Q3 25 | $192.0M | $223.7M | ||
| Q2 25 | $119.5M | $286.2M | ||
| Q1 25 | $226.7M | $74.9M | ||
| Q4 24 | $686.3M | $194.0M | ||
| Q3 24 | $188.1M | $226.5M | ||
| Q2 24 | $144.7M | $213.3M | ||
| Q1 24 | $187.3M | $71.0M |
自由现金流ACTFICO
| Q4 25 | — | $173.9M | ||
| Q3 25 | — | $219.5M | ||
| Q2 25 | — | $284.4M | ||
| Q1 25 | — | $72.8M | ||
| Q4 24 | — | $193.2M | ||
| Q3 24 | — | $224.7M | ||
| Q2 24 | — | $211.6M | ||
| Q1 24 | — | $67.0M |
自由现金流率ACTFICO
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 42.6% | ||
| Q2 25 | — | 53.0% | ||
| Q1 25 | — | 14.6% | ||
| Q4 24 | — | 43.9% | ||
| Q3 24 | — | 49.5% | ||
| Q2 24 | — | 47.2% | ||
| Q1 24 | — | 15.4% |
资本支出强度ACTFICO
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.9% |
现金转化率ACTFICO
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | — | 1.57× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | — | 1.67× | ||
| Q2 24 | — | 1.69× | ||
| Q1 24 | — | 0.55× |
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
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
