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Enact Holdings, Inc.（ACT）与化石集团（FOSL）财务数据对比。点击上方公司名可切换其他公司
Enact Holdings, Inc.的季度营收约是化石集团的1.2倍（$312.7M vs $270.2M），Enact Holdings, Inc.同比增速更快（3.6% vs -21.1%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -11.4%）
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。
化石集团是1984年成立的美国时尚设计制造企业，总部位于得克萨斯州理查森。集团旗下拥有Fossil、Relic、Michele Watch、Skagen、Zodiac Watches等多个品牌，同时也为宝马、彪马、阿玛尼、迈克高仕、DKNY等多个知名品牌代工生产授权配饰。
ACT vs FOSL — 直观对比
营收规模更大
ACT
是对方的1.2倍
$270.2M
营收增速更快
ACT
高出24.7%
-21.1%
两年增速更快
ACT
近两年复合增速
-11.4%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $270.2M |
| 净利润 | — | $-40.0M |
| 毛利率 | — | 49.0% |
| 营业利润率 | 71.3% | -8.0% |
| 净利率 | — | -14.8% |
| 营收同比 | 3.6% | -21.1% |
| 净利润同比 | — | -257.8% |
| 每股收益（稀释后） | $1.23 | $-0.76 |
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ACTFOSL
| Q4 25 | $312.7M | $270.2M | ||
| Q3 25 | $311.5M | $220.4M | ||
| Q2 25 | $304.9M | $233.3M | ||
| Q1 25 | $306.8M | — | ||
| Q4 24 | $301.8M | $342.3M | ||
| Q3 24 | $309.6M | $287.8M | ||
| Q2 24 | $298.8M | $260.0M | ||
| Q1 24 | $291.6M | $254.9M |
净利润ACTFOSL
| Q4 25 | — | $-40.0M | ||
| Q3 25 | — | $-2.1M | ||
| Q2 25 | — | $-17.9M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $-11.2M | ||
| Q3 24 | — | $-31.9M | ||
| Q2 24 | — | $-38.8M | ||
| Q1 24 | — | $-24.3M |
毛利率ACTFOSL
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 57.5% | ||
| Q2 25 | — | 61.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 53.9% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 52.6% | ||
| Q1 24 | — | 52.4% |
营业利润率ACTFOSL
| Q4 25 | 71.3% | -8.0% | ||
| Q3 25 | 67.4% | 3.9% | ||
| Q2 25 | 70.4% | -2.9% | ||
| Q1 25 | 68.9% | — | ||
| Q4 24 | 68.9% | -4.8% | ||
| Q3 24 | 74.1% | -8.5% | ||
| Q2 24 | 78.6% | -13.1% | ||
| Q1 24 | 70.6% | -11.5% |
净利率ACTFOSL
| Q4 25 | — | -14.8% | ||
| Q3 25 | — | -1.0% | ||
| Q2 25 | — | -7.7% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | -3.3% | ||
| Q3 24 | — | -11.1% | ||
| Q2 24 | — | -14.9% | ||
| Q1 24 | — | -9.5% |
每股收益（稀释后）ACTFOSL
| Q4 25 | $1.23 | $-0.76 | ||
| Q3 25 | $1.10 | $-0.04 | ||
| Q2 25 | $1.11 | $-0.33 | ||
| Q1 25 | $1.08 | — | ||
| Q4 24 | $1.05 | $-0.15 | ||
| Q3 24 | $1.15 | $-0.60 | ||
| Q2 24 | $1.16 | $-0.73 | ||
| Q1 24 | $1.01 | $-0.46 |
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 | $79.2M |
| 总债务越低越好 | $744.5M | $169.1M |
| 股东权益账面价值 | $5.4B | $112.6M |
| 总资产 | $6.9B | $701.0M |
| 负债/权益比越低杠杆越低 | 0.14× | 1.50× |
8季度趋势，按日历期对齐
现金及短期投资ACTFOSL
| Q4 25 | $582.5M | $79.2M | ||
| Q3 25 | $545.6M | $109.9M | ||
| Q2 25 | $616.0M | $78.3M | ||
| Q1 25 | $639.0M | — | ||
| Q4 24 | $602.8M | $123.6M | ||
| Q3 24 | $674.9M | $106.3M | ||
| Q2 24 | $711.3M | $104.9M | ||
| Q1 24 | $624.3M | $112.9M |
总债务ACTFOSL
| Q4 25 | $744.5M | $169.1M | ||
| Q3 25 | $744.1M | $165.6M | ||
| Q2 25 | $743.8M | $167.2M | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | $162.7M | ||
| Q3 24 | $742.7M | $173.4M | ||
| Q2 24 | $742.4M | $156.5M | ||
| Q1 24 | $746.1M | $202.9M |
股东权益ACTFOSL
| Q4 25 | $5.4B | $112.6M | ||
| Q3 25 | $5.3B | $150.3M | ||
| Q2 25 | $5.2B | $140.6M | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $5.0B | $148.7M | ||
| Q3 24 | $5.0B | $164.4M | ||
| Q2 24 | $4.8B | $189.6M | ||
| Q1 24 | $4.7B | $229.1M |
总资产ACTFOSL
| Q4 25 | $6.9B | $701.0M | ||
| Q3 25 | $6.9B | $704.5M | ||
| Q2 25 | $6.8B | $686.0M | ||
| Q1 25 | $6.7B | — | ||
| Q4 24 | $6.5B | $763.6M | ||
| Q3 24 | $6.6B | $812.4M | ||
| Q2 24 | $6.3B | $785.7M | ||
| Q1 24 | $6.3B | $891.0M |
负债/权益比ACTFOSL
| Q4 25 | 0.14× | 1.50× | ||
| Q3 25 | 0.14× | 1.10× | ||
| Q2 25 | 0.14× | 1.19× | ||
| Q1 25 | 0.15× | — | ||
| Q4 24 | 0.15× | 1.09× | ||
| Q3 24 | 0.15× | 1.06× | ||
| Q2 24 | 0.15× | 0.83× | ||
| Q1 24 | 0.16× | 0.89× |
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 | $-22.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-22.5M |
| 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 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-46.0M |
8季度趋势，按日历期对齐
经营现金流ACTFOSL
| Q4 25 | $724.5M | $-22.2M | ||
| Q3 25 | $192.0M | $9.4M | ||
| Q2 25 | $119.5M | $-60.4M | ||
| Q1 25 | $226.7M | — | ||
| Q4 24 | $686.3M | $30.5M | ||
| Q3 24 | $188.1M | $-22.8M | ||
| Q2 24 | $144.7M | $38.4M | ||
| Q1 24 | $187.3M | $622.0K |
自由现金流ACTFOSL
| Q4 25 | — | $-22.5M | ||
| Q3 25 | — | $8.6M | ||
| Q2 25 | — | $-60.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $28.5M | ||
| Q3 24 | — | $-24.1M | ||
| Q2 24 | — | $36.6M | ||
| Q1 24 | — | $-1.1M |
自由现金流率ACTFOSL
| Q4 25 | — | -8.3% | ||
| Q3 25 | — | 3.9% | ||
| Q2 25 | — | -26.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 8.3% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 14.1% | ||
| Q1 24 | — | -0.4% |
资本支出强度ACTFOSL
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 0.7% |
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
FOSL
| Transferred At Point In Time | $109.7M | 41% |
| Traditional Watches | $91.3M | 34% |
| Other | $50.8M | 19% |
| Leathers | $9.5M | 4% |
| Jewelry | $4.0M | 1% |
| Smartwatches | $3.3M | 1% |
| Products Other | $1.6M | 1% |
