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Enact Holdings, Inc.（ACT）与Guardian Pharmacy Services, Inc.（GRDN）财务数据对比。点击上方公司名可切换其他公司
Guardian Pharmacy Services, Inc.的季度营收约是Enact Holdings, Inc.的1.1倍（$336.6M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs 4.0%，领先49.8%），Guardian Pharmacy Services, Inc.同比增速更快（2.2% vs 1.7%）
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。
CVS药房是美国零售企业，为CVS健康旗下子公司，总部位于罗德岛州文索基特，前身为Consumer Value Stores，1963年在马萨诸塞州洛厄尔成立，是美国知名的零售药房服务提供商，在药品零售、健康服务领域拥有广泛的业务布局。
ACT vs GRDN — 直观对比
营收规模更大
GRDN
是对方的1.1倍
$312.1M
营收增速更快
GRDN
高出0.5%
1.7%
净利率更高
ACT
高出49.8%
4.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $336.6M |
| 净利润 | $168.0M | $13.5M |
| 毛利率 | — | 22.7% |
| 营业利润率 | — | 5.3% |
| 净利率 | 53.8% | 4.0% |
| 营收同比 | 1.7% | 2.2% |
| 净利润同比 | 1.2% | 46.1% |
| 每股收益（稀释后） | $1.18 | $0.21 |
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ACTGRDN
| Q1 26 | $312.1M | $336.6M | ||
| Q4 25 | $312.7M | $397.6M | ||
| Q3 25 | $311.5M | $377.4M | ||
| Q2 25 | $304.9M | $344.3M | ||
| Q1 25 | $306.8M | $329.3M | ||
| Q4 24 | $301.8M | — | ||
| Q3 24 | $309.6M | $314.4M | ||
| Q2 24 | $298.8M | — |
净利润ACTGRDN
| Q1 26 | $168.0M | $13.5M | ||
| Q4 25 | — | $20.9M | ||
| Q3 25 | — | $9.8M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $9.4M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-122.0M | ||
| Q2 24 | — | — |
毛利率ACTGRDN
| Q1 26 | — | 22.7% | ||
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 19.8% | ||
| Q2 25 | — | 19.8% | ||
| Q1 25 | — | 19.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 19.4% | ||
| Q2 24 | — | — |
营业利润率ACTGRDN
| Q1 26 | — | 5.3% | ||
| Q4 25 | 71.3% | 7.7% | ||
| Q3 25 | 67.4% | 4.3% | ||
| Q2 25 | 70.4% | 3.7% | ||
| Q1 25 | 68.9% | 3.9% | ||
| Q4 24 | 68.9% | — | ||
| Q3 24 | 74.1% | -33.3% | ||
| Q2 24 | 78.6% | — |
净利率ACTGRDN
| Q1 26 | 53.8% | 4.0% | ||
| Q4 25 | — | 5.3% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 2.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -38.8% | ||
| Q2 24 | — | — |
每股收益（稀释后）ACTGRDN
| Q1 26 | $1.18 | $0.21 | ||
| Q4 25 | $1.23 | — | ||
| Q3 25 | $1.10 | — | ||
| Q2 25 | $1.11 | — | ||
| Q1 25 | $1.08 | — | ||
| Q4 24 | $1.05 | — | ||
| Q3 24 | $1.15 | — | ||
| Q2 24 | $1.16 | — |
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 | $549.0M | $64.9M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $232.4M |
| 总资产 | $7.0B | $426.9M |
| 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ACTGRDN
| Q1 26 | $549.0M | $64.9M | ||
| Q4 25 | $582.5M | $65.6M | ||
| Q3 25 | $545.6M | $36.5M | ||
| Q2 25 | $616.0M | $18.8M | ||
| Q1 25 | $639.0M | $14.0M | ||
| Q4 24 | $602.8M | — | ||
| Q3 24 | $674.9M | $37.2M | ||
| Q2 24 | $711.3M | — |
总债务ACTGRDN
| Q1 26 | $744.9M | — | ||
| Q4 25 | $744.5M | $0 | ||
| Q3 25 | $744.1M | — | ||
| Q2 25 | $743.8M | — | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | — | ||
| Q3 24 | $742.7M | $34.3M | ||
| Q2 24 | $742.4M | — |
股东权益ACTGRDN
| Q1 26 | $5.3B | $232.4M | ||
| Q4 25 | $5.4B | $217.9M | ||
| Q3 25 | $5.3B | $195.5M | ||
| Q2 25 | $5.2B | $179.7M | ||
| Q1 25 | $5.1B | $163.2M | ||
| Q4 24 | $5.0B | — | ||
| Q3 24 | $5.0B | $133.9M | ||
| Q2 24 | $4.8B | — |
总资产ACTGRDN
| Q1 26 | $7.0B | $426.9M | ||
| Q4 25 | $6.9B | $412.7M | ||
| Q3 25 | $6.9B | $390.0M | ||
| Q2 25 | $6.8B | $356.3M | ||
| Q1 25 | $6.7B | $334.0M | ||
| Q4 24 | $6.5B | — | ||
| Q3 24 | $6.6B | $348.0M | ||
| Q2 24 | $6.3B | — |
负债/权益比ACTGRDN
| Q1 26 | 0.14× | — | ||
| Q4 25 | 0.14× | 0.00× | ||
| Q3 25 | 0.14× | — | ||
| Q2 25 | 0.14× | — | ||
| Q1 25 | 0.15× | — | ||
| Q4 24 | 0.15× | — | ||
| Q3 24 | 0.15× | 0.26× | ||
| 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 | — | $6.1M |
| 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 | — | 0.45× |
| 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ACTGRDN
| Q1 26 | — | $6.1M | ||
| Q4 25 | $724.5M | $34.6M | ||
| Q3 25 | $192.0M | $28.2M | ||
| Q2 25 | $119.5M | $19.9M | ||
| Q1 25 | $226.7M | $17.6M | ||
| Q4 24 | $686.3M | — | ||
| Q3 24 | $188.1M | — | ||
| Q2 24 | $144.7M | — |
自由现金流ACTGRDN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $24.2M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率ACTGRDN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 6.4% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度ACTGRDN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率ACTGRDN
| Q1 26 | — | 0.45× | ||
| Q4 25 | — | 1.65× | ||
| Q3 25 | — | 2.87× | ||
| Q2 25 | — | 2.21× | ||
| Q1 25 | — | 1.86× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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% |
GRDN
暂无分部数据
