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Enact Holdings, Inc.（ACT）与FIGS, Inc.（FIGS）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FIGS, Inc.的1.5倍（$312.1M vs $201.9M），Enact Holdings, Inc.净利率更高（53.8% vs 9.2%，领先44.7%），FIGS, Inc.同比增速更快（33.0% vs 1.7%），过去两年FIGS, Inc.的营收复合增速更高（30.1% 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。
FIGS是一家总部位于美国加利福尼亚州圣莫尼卡的服饰企业，由希瑟·哈森与特里娜·斯皮尔于2013年共同创立，二人目前共同担任首席执行官。品牌专注为医疗从业者提供医用刷手服及相关专业产品，是医疗工装领域的知名品牌。
ACT vs FIGS — 直观对比
营收规模更大
ACT
是对方的1.5倍
$201.9M
营收增速更快
FIGS
高出31.2%
1.7%
净利率更高
ACT
高出44.7%
9.2%
两年增速更快
FIGS
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $201.9M |
| 净利润 | $168.0M | $18.5M |
| 毛利率 | — | 62.9% |
| 营业利润率 | — | 9.3% |
| 净利率 | 53.8% | 9.2% |
| 营收同比 | 1.7% | 33.0% |
| 净利润同比 | 1.2% | 881.8% |
| 每股收益（稀释后） | $1.18 | $0.10 |
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ACTFIGS
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | $201.9M | ||
| Q3 25 | $311.5M | $151.7M | ||
| Q2 25 | $304.9M | $152.6M | ||
| Q1 25 | $306.8M | $124.9M | ||
| Q4 24 | $301.8M | $151.8M | ||
| Q3 24 | $309.6M | $140.2M | ||
| Q2 24 | $298.8M | $144.2M |
净利润ACTFIGS
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $18.5M | ||
| Q3 25 | — | $8.7M | ||
| Q2 25 | — | $7.1M | ||
| Q1 25 | — | $-102.0K | ||
| Q4 24 | — | $1.9M | ||
| Q3 24 | — | $-1.7M | ||
| Q2 24 | — | $1.1M |
毛利率ACTFIGS
| Q1 26 | — | — | ||
| Q4 25 | — | 62.9% | ||
| Q3 25 | — | 69.9% | ||
| Q2 25 | — | 67.0% | ||
| Q1 25 | — | 67.6% | ||
| Q4 24 | — | 67.3% | ||
| Q3 24 | — | 67.1% | ||
| Q2 24 | — | 67.4% |
营业利润率ACTFIGS
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | 9.3% | ||
| Q3 25 | 67.4% | 6.4% | ||
| Q2 25 | 70.4% | 6.5% | ||
| Q1 25 | 68.9% | -0.2% | ||
| Q4 24 | 68.9% | 5.9% | ||
| Q3 24 | 74.1% | -6.2% | ||
| Q2 24 | 78.6% | 1.1% |
净利率ACTFIGS
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | 9.2% | ||
| Q3 25 | — | 5.8% | ||
| Q2 25 | — | 4.7% | ||
| Q1 25 | — | -0.1% | ||
| Q4 24 | — | 1.2% | ||
| Q3 24 | — | -1.2% | ||
| Q2 24 | — | 0.8% |
每股收益（稀释后）ACTFIGS
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | $0.10 | ||
| Q3 25 | $1.10 | $0.05 | ||
| Q2 25 | $1.11 | $0.04 | ||
| Q1 25 | $1.08 | $0.00 | ||
| Q4 24 | $1.05 | $0.01 | ||
| Q3 24 | $1.15 | $-0.01 | ||
| Q2 24 | $1.16 | $0.01 |
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 | $82.0M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $437.5M |
| 总资产 | $7.0B | $580.0M |
| 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ACTFIGS
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | $82.0M | ||
| Q3 25 | $545.6M | $46.5M | ||
| Q2 25 | $616.0M | $50.8M | ||
| Q1 25 | $639.0M | $90.0M | ||
| Q4 24 | $602.8M | $85.6M | ||
| Q3 24 | $674.9M | $124.1M | ||
| Q2 24 | $711.3M | $131.8M |
总债务ACTFIGS
| 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ACTFIGS
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $437.5M | ||
| Q3 25 | $5.3B | $413.3M | ||
| Q2 25 | $5.2B | $396.5M | ||
| Q1 25 | $5.1B | $381.5M | ||
| Q4 24 | $5.0B | $377.1M | ||
| Q3 24 | $5.0B | $403.5M | ||
| Q2 24 | $4.8B | $401.7M |
总资产ACTFIGS
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | $580.0M | ||
| Q3 25 | $6.9B | $544.7M | ||
| Q2 25 | $6.8B | $517.1M | ||
| Q1 25 | $6.7B | $522.3M | ||
| Q4 24 | $6.5B | $509.8M | ||
| Q3 24 | $6.6B | $542.5M | ||
| Q2 24 | $6.3B | $526.0M |
负债/权益比ACTFIGS
| 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 | — | $60.9M |
| 自由现金流经营现金流 - 资本支出 | — | $58.1M |
| 自由现金流率自由现金流/营收 | — | 28.8% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | — | 3.29× |
| 过去12个月自由现金流最近4个季度 | — | $53.0M |
8季度趋势，按日历期对齐
经营现金流ACTFIGS
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $60.9M | ||
| Q3 25 | $192.0M | $3.4M | ||
| Q2 25 | $119.5M | $-12.4M | ||
| Q1 25 | $226.7M | $9.2M | ||
| Q4 24 | $686.3M | $30.4M | ||
| Q3 24 | $188.1M | $22.6M | ||
| Q2 24 | $144.7M | $16.5M |
自由现金流ACTFIGS
| Q1 26 | — | — | ||
| Q4 25 | — | $58.1M | ||
| Q3 25 | — | $531.0K | ||
| Q2 25 | — | $-13.5M | ||
| Q1 25 | — | $7.9M | ||
| Q4 24 | — | $27.1M | ||
| Q3 24 | — | $18.4M | ||
| Q2 24 | — | $7.5M |
自由现金流率ACTFIGS
| Q1 26 | — | — | ||
| Q4 25 | — | 28.8% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | -8.9% | ||
| Q1 25 | — | 6.3% | ||
| Q4 24 | — | 17.8% | ||
| Q3 24 | — | 13.1% | ||
| Q2 24 | — | 5.2% |
资本支出强度ACTFIGS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 3.0% | ||
| Q2 24 | — | 6.2% |
现金转化率ACTFIGS
| Q1 26 | — | — | ||
| Q4 25 | — | 3.29× | ||
| Q3 25 | — | 0.39× | ||
| Q2 25 | — | -1.75× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 16.14× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 15.04× |
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% |
FIGS
| Scrubwear | $154.9M | 77% |
| Non Scrubwear Lifestyle | $47.0M | 23% |
