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Enact Holdings, Inc.（ACT）与GigaCloud Technology Inc（GCT）财务数据对比。点击上方公司名可切换其他公司
GigaCloud Technology Inc的季度营收约是Enact Holdings, Inc.的1.1倍（$332.6M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs 11.2%，领先42.7%），GigaCloud Technology Inc同比增速更快（9.7% vs 1.7%），过去两年GigaCloud Technology Inc的营收复合增速更高（36.6% 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。
GigaCloud Technology Inc是一家美国电商企业，主打家具、家电、健身器材等体积较大、规格不统一商品的B2B交易，旗下拥有线上B2B交易平台，业务覆盖撮合交易、全程物流直至终端配送环节。公司总部位于加利福尼亚州埃尔蒙特，自2022年8月起在纳斯达克挂牌上市。
ACT vs GCT — 直观对比
营收规模更大
GCT
是对方的1.1倍
$312.1M
营收增速更快
GCT
高出7.9%
1.7%
净利率更高
ACT
高出42.7%
11.2%
两年增速更快
GCT
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $332.6M |
| 净利润 | $168.0M | $37.2M |
| 毛利率 | — | 23.2% |
| 营业利润率 | — | 12.2% |
| 净利率 | 53.8% | 11.2% |
| 营收同比 | 1.7% | 9.7% |
| 净利润同比 | 1.2% | -8.6% |
| 每股收益（稀释后） | $1.18 | $0.99 |
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ACTGCT
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | — | ||
| Q3 25 | $311.5M | $332.6M | ||
| Q2 25 | $304.9M | $322.6M | ||
| Q1 25 | $306.8M | $271.9M | ||
| Q4 24 | $301.8M | $295.8M | ||
| Q3 24 | $309.6M | $303.3M | ||
| Q2 24 | $298.8M | $310.9M |
净利润ACTGCT
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $37.2M | ||
| Q2 25 | — | $34.6M | ||
| Q1 25 | — | $27.1M | ||
| Q4 24 | — | $31.0M | ||
| Q3 24 | — | $40.7M | ||
| Q2 24 | — | $27.0M |
毛利率ACTGCT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 23.2% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | 23.4% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 25.5% | ||
| Q2 24 | — | 24.6% |
营业利润率ACTGCT
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | — | ||
| Q3 25 | 67.4% | 12.2% | ||
| Q2 25 | 70.4% | 11.1% | ||
| Q1 25 | 68.9% | 10.4% | ||
| Q4 24 | 68.9% | 9.3% | ||
| Q3 24 | 74.1% | 13.4% | ||
| Q2 24 | 78.6% | 8.8% |
净利率ACTGCT
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 11.2% | ||
| Q2 25 | — | 10.7% | ||
| Q1 25 | — | 10.0% | ||
| Q4 24 | — | 10.5% | ||
| Q3 24 | — | 13.4% | ||
| Q2 24 | — | 8.7% |
每股收益（稀释后）ACTGCT
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | — | ||
| Q3 25 | $1.10 | $0.99 | ||
| Q2 25 | $1.11 | $0.91 | ||
| Q1 25 | $1.08 | $0.68 | ||
| Q4 24 | $1.05 | $0.76 | ||
| Q3 24 | $1.15 | $0.98 | ||
| Q2 24 | $1.16 | $0.65 |
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 | $365.9M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $457.3M |
| 总资产 | $7.0B | $1.1B |
| 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ACTGCT
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | — | ||
| Q3 25 | $545.6M | $365.9M | ||
| Q2 25 | $616.0M | $303.0M | ||
| Q1 25 | $639.0M | $286.8M | ||
| Q4 24 | $602.8M | $302.4M | ||
| Q3 24 | $674.9M | $259.8M | ||
| Q2 24 | $711.3M | $207.8M |
总债务ACTGCT
| 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ACTGCT
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | — | ||
| Q3 25 | $5.3B | $457.3M | ||
| Q2 25 | $5.2B | $431.4M | ||
| Q1 25 | $5.1B | $412.9M | ||
| Q4 24 | $5.0B | $405.2M | ||
| Q3 24 | $5.0B | $400.4M | ||
| Q2 24 | $4.8B | $358.4M |
总资产ACTGCT
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | — | ||
| Q3 25 | $6.9B | $1.1B | ||
| Q2 25 | $6.8B | $1.1B | ||
| Q1 25 | $6.7B | $1.1B | ||
| Q4 24 | $6.5B | $1.1B | ||
| Q3 24 | $6.6B | $1.1B | ||
| Q2 24 | $6.3B | $1.1B |
负债/权益比ACTGCT
| 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 | — | $78.3M |
| 自由现金流经营现金流 - 资本支出 | — | $77.1M |
| 自由现金流率自由现金流/营收 | — | 23.2% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | — | 2.10× |
| 过去12个月自由现金流最近4个季度 | — | $188.1M |
8季度趋势，按日历期对齐
经营现金流ACTGCT
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | — | ||
| Q3 25 | $192.0M | $78.3M | ||
| Q2 25 | $119.5M | $38.6M | ||
| Q1 25 | $226.7M | $9.4M | ||
| Q4 24 | $686.3M | $68.4M | ||
| Q3 24 | $188.1M | $55.2M | ||
| Q2 24 | $144.7M | $19.1M |
自由现金流ACTGCT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $77.1M | ||
| Q2 25 | — | $37.0M | ||
| Q1 25 | — | $7.0M | ||
| Q4 24 | — | $66.9M | ||
| Q3 24 | — | $51.4M | ||
| Q2 24 | — | $12.9M |
自由现金流率ACTGCT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 23.2% | ||
| Q2 25 | — | 11.5% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 22.6% | ||
| Q3 24 | — | 16.9% | ||
| Q2 24 | — | 4.2% |
资本支出强度ACTGCT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 2.0% |
现金转化率ACTGCT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 2.10× | ||
| Q2 25 | — | 1.12× | ||
| Q1 25 | — | 0.35× | ||
| Q4 24 | — | 2.21× | ||
| Q3 24 | — | 1.36× | ||
| Q2 24 | — | 0.71× |
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% |
GCT
| Services | $108.4M | 33% |
| Transferred Over Time | $89.8M | 27% |
| Product Sales To B | $50.1M | 15% |
| Last Mile Delivery Service | $49.2M | 15% |
| Warehousing Service | $14.2M | 4% |
| Ocean Transportation Service | $9.0M | 3% |
| Platform Commission | $4.9M | 1% |
| Drayage Service | $3.2M | 1% |
