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Enact Holdings, Inc.（ACT）与Hagerty, Inc.（HGTY）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Hagerty, Inc.的2.1倍（$312.7M vs $150.8M）。Hagerty, Inc.同比增速更快（30.7% vs 3.6%）。过去两年Hagerty, Inc.的营收复合增速更高（12.1% 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。
哈格蒂（Hagerty, Inc.）是美国知名汽车生活方式及会员服务企业，同时是全球规模最大的经典老爷车特种保险供应商，总部位于密歇根州特拉弗斯城，业务范围覆盖加拿大、德国及英国市场。
ACT vs HGTY — 直观对比
营收规模更大
ACT
是对方的2.1倍
$150.8M
营收增速更快
HGTY
高出27.1%
3.6%
两年增速更快
HGTY
近两年复合增速
3.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $150.8M |
| 净利润 | — | $28.6M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 26.3% |
| 净利率 | — | 18.9% |
| 营收同比 | 3.6% | 30.7% |
| 净利润同比 | — | 238.4% |
| 每股收益（稀释后） | $1.23 | — |
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ACTHGTY
| Q4 25 | $312.7M | $150.8M | ||
| Q3 25 | $311.5M | $190.0M | ||
| Q2 25 | $304.9M | $188.5M | ||
| Q1 25 | $306.8M | $148.4M | ||
| Q4 24 | $301.8M | $115.4M | ||
| Q3 24 | $309.6M | $157.7M | ||
| Q2 24 | $298.8M | $155.6M | ||
| Q1 24 | $291.6M | $120.1M |
净利润ACTHGTY
| Q4 25 | — | $28.6M | ||
| Q3 25 | — | $46.2M | ||
| Q2 25 | — | $47.2M | ||
| Q1 25 | — | $27.3M | ||
| Q4 24 | — | $8.4M | ||
| Q3 24 | — | $19.0M | ||
| Q2 24 | — | $42.7M | ||
| Q1 24 | — | $8.2M |
营业利润率ACTHGTY
| Q4 25 | 71.3% | 26.3% | ||
| Q3 25 | 67.4% | 18.1% | ||
| Q2 25 | 70.4% | 25.3% | ||
| Q1 25 | 68.9% | 17.3% | ||
| Q4 24 | 68.9% | 5.2% | ||
| Q3 24 | 74.1% | 6.4% | ||
| Q2 24 | 78.6% | 24.5% | ||
| Q1 24 | 70.6% | 10.2% |
净利率ACTHGTY
| Q4 25 | — | 18.9% | ||
| Q3 25 | — | 24.3% | ||
| Q2 25 | — | 25.0% | ||
| Q1 25 | — | 18.4% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 27.4% | ||
| Q1 24 | — | 6.8% |
每股收益（稀释后）ACTHGTY
| 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 | — | ||
| Q1 24 | $1.01 | — |
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 | $582.5M | $160.2M |
| 总债务越低越好 | $744.5M | $177.9M |
| 股东权益账面价值 | $5.4B | $221.3M |
| 总资产 | $6.9B | $2.1B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.80× |
8季度趋势，按日历期对齐
现金及短期投资ACTHGTY
| Q4 25 | $582.5M | $160.2M | ||
| Q3 25 | $545.6M | $290.5M | ||
| Q2 25 | $616.0M | $259.6M | ||
| Q1 25 | $639.0M | $232.7M | ||
| Q4 24 | $602.8M | $178.7M | ||
| Q3 24 | $674.9M | $208.9M | ||
| Q2 24 | $711.3M | $186.4M | ||
| Q1 24 | $624.3M | $131.2M |
总债务ACTHGTY
| Q4 25 | $744.5M | $177.9M | ||
| Q3 25 | $744.1M | $104.4M | ||
| Q2 25 | $743.8M | $153.4M | ||
| Q1 25 | $743.4M | $132.6M | ||
| Q4 24 | $743.0M | $105.0M | ||
| Q3 24 | $742.7M | $122.9M | ||
| Q2 24 | $742.4M | $98.0M | ||
| Q1 24 | $746.1M | $91.5M |
股东权益ACTHGTY
| Q4 25 | $5.4B | $221.3M | ||
| Q3 25 | $5.3B | $211.7M | ||
| Q2 25 | $5.2B | $172.3M | ||
| Q1 25 | $5.1B | $162.9M | ||
| Q4 24 | $5.0B | $150.3M | ||
| Q3 24 | $5.0B | $148.3M | ||
| Q2 24 | $4.8B | $94.4M | ||
| Q1 24 | $4.7B | $93.5M |
总资产ACTHGTY
| Q4 25 | $6.9B | $2.1B | ||
| Q3 25 | $6.9B | $2.2B | ||
| Q2 25 | $6.8B | $2.0B | ||
| Q1 25 | $6.7B | $1.8B | ||
| Q4 24 | $6.5B | $1.7B | ||
| Q3 24 | $6.6B | $1.8B | ||
| Q2 24 | $6.3B | $1.7B | ||
| Q1 24 | $6.3B | $1.6B |
负债/权益比ACTHGTY
| Q4 25 | 0.14× | 0.80× | ||
| Q3 25 | 0.14× | 0.49× | ||
| Q2 25 | 0.14× | 0.89× | ||
| Q1 25 | 0.15× | 0.81× | ||
| Q4 24 | 0.15× | 0.70× | ||
| Q3 24 | 0.15× | 0.83× | ||
| Q2 24 | 0.15× | 1.04× | ||
| Q1 24 | 0.16× | 0.98× |
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 | $186.3M | $29.1M |
| 自由现金流经营现金流 - 资本支出 | — | $23.1M |
| 自由现金流率自由现金流/营收 | — | 15.3% |
| 资本支出强度资本支出/营收 | — | 4.0% |
| 现金转化率经营现金流/净利润 | — | 1.02× |
| 过去12个月自由现金流最近4个季度 | — | $194.5M |
8季度趋势，按日历期对齐
经营现金流ACTHGTY
| Q4 25 | $186.3M | $29.1M | ||
| Q3 25 | $192.0M | $92.2M | ||
| Q2 25 | $119.5M | $53.9M | ||
| Q1 25 | $226.7M | $43.8M | ||
| Q4 24 | $166.1M | $-12.6M | ||
| Q3 24 | $188.1M | $67.4M | ||
| Q2 24 | $144.7M | $64.0M | ||
| Q1 24 | $187.3M | $58.2M |
自由现金流ACTHGTY
| Q4 25 | — | $23.1M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $47.7M | ||
| Q1 25 | — | $38.4M | ||
| Q4 24 | — | $-16.7M | ||
| Q3 24 | — | $62.0M | ||
| Q2 24 | — | $56.6M | ||
| Q1 24 | — | $53.7M |
自由现金流率ACTHGTY
| Q4 25 | — | 15.3% | ||
| Q3 25 | — | 44.9% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | -14.5% | ||
| Q3 24 | — | 39.3% | ||
| Q2 24 | — | 36.4% | ||
| Q1 24 | — | 44.7% |
资本支出强度ACTHGTY
| Q4 25 | — | 4.0% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 3.6% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 3.4% | ||
| Q2 24 | — | 4.8% | ||
| Q1 24 | — | 3.8% |
现金转化率ACTHGTY
| Q4 25 | — | 1.02× | ||
| Q3 25 | — | 2.00× | ||
| Q2 25 | — | 1.14× | ||
| Q1 25 | — | 1.61× | ||
| Q4 24 | — | -1.50× | ||
| Q3 24 | — | 3.55× | ||
| Q2 24 | — | 1.50× | ||
| Q1 24 | — | 7.10× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
