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Enact Holdings, Inc.（ACT）与Hims & Hers Health, Inc.（HIMS）财务数据对比。点击上方公司名可切换其他公司
Hims & Hers Health, Inc.的季度营收约是Enact Holdings, Inc.的1.9倍（$608.1M vs $312.1M），Hims & Hers Health, Inc.同比增速更快（3.8% vs 1.7%），过去两年Hims & Hers Health, Inc.的营收复合增速更高（38.8% 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。
Hims & Hers Health, Inc.是2017年成立的美国远程医疗企业，面向消费者提供处方药品、非处方药物以及各类个人护理产品，依托线上服务模式为用户打造便捷的健康消费渠道，覆盖日常医疗、个护等多场景需求。
ACT vs HIMS — 直观对比
营收规模更大
HIMS
是对方的1.9倍
$312.1M
营收增速更快
HIMS
高出2.0%
1.7%
两年增速更快
HIMS
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $608.1M |
| 净利润 | $168.0M | — |
| 毛利率 | — | 65.2% |
| 营业利润率 | — | 21.9% |
| 净利率 | 53.8% | — |
| 营收同比 | 1.7% | 3.8% |
| 净利润同比 | 1.2% | — |
| 每股收益（稀释后） | $1.18 | $-0.40 |
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ACTHIMS
| Q1 26 | $312.1M | $608.1M | ||
| Q4 25 | $312.7M | $617.8M | ||
| Q3 25 | $311.5M | $599.0M | ||
| Q2 25 | $304.9M | $544.8M | ||
| Q1 25 | $306.8M | $586.0M | ||
| Q4 24 | $301.8M | $481.1M | ||
| Q3 24 | $309.6M | $401.6M | ||
| Q2 24 | $298.8M | $315.6M |
净利润ACTHIMS
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $20.6M | ||
| Q3 25 | — | $15.8M | ||
| Q2 25 | — | $42.5M | ||
| Q1 25 | — | $49.5M | ||
| Q4 24 | — | $26.0M | ||
| Q3 24 | — | $75.6M | ||
| Q2 24 | — | $13.3M |
毛利率ACTHIMS
| Q1 26 | — | 65.2% | ||
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 73.8% | ||
| Q2 25 | — | 76.4% | ||
| Q1 25 | — | 73.5% | ||
| Q4 24 | — | 76.8% | ||
| Q3 24 | — | 79.2% | ||
| Q2 24 | — | 81.3% |
营业利润率ACTHIMS
| Q1 26 | — | 21.9% | ||
| Q4 25 | 71.3% | 1.5% | ||
| Q3 25 | 67.4% | 2.0% | ||
| Q2 25 | 70.4% | 4.9% | ||
| Q1 25 | 68.9% | 9.9% | ||
| Q4 24 | 68.9% | 3.9% | ||
| Q3 24 | 74.1% | 5.6% | ||
| Q2 24 | 78.6% | 3.5% |
净利率ACTHIMS
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | 3.3% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 8.4% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | — | 18.8% | ||
| Q2 24 | — | 4.2% |
每股收益（稀释后）ACTHIMS
| Q1 26 | $1.18 | $-0.40 | ||
| Q4 25 | $1.23 | $0.08 | ||
| Q3 25 | $1.10 | $0.06 | ||
| Q2 25 | $1.11 | $0.17 | ||
| Q1 25 | $1.08 | $0.20 | ||
| Q4 24 | $1.05 | $0.10 | ||
| Q3 24 | $1.15 | $0.32 | ||
| Q2 24 | $1.16 | $0.06 |
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 | $222.3M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $446.2M |
| 总资产 | $7.0B | $2.3B |
| 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ACTHIMS
| Q1 26 | $549.0M | $222.3M | ||
| Q4 25 | $582.5M | $228.6M | ||
| Q3 25 | $545.6M | $345.8M | ||
| Q2 25 | $616.0M | $1.1B | ||
| Q1 25 | $639.0M | $273.7M | ||
| Q4 24 | $602.8M | $220.6M | ||
| Q3 24 | $674.9M | $165.5M | ||
| Q2 24 | $711.3M | $129.3M |
总债务ACTHIMS
| 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ACTHIMS
| Q1 26 | $5.3B | $446.2M | ||
| Q4 25 | $5.4B | $540.9M | ||
| Q3 25 | $5.3B | $581.0M | ||
| Q2 25 | $5.2B | $562.7M | ||
| Q1 25 | $5.1B | $549.3M | ||
| Q4 24 | $5.0B | $476.7M | ||
| Q3 24 | $5.0B | $440.1M | ||
| Q2 24 | $4.8B | $362.0M |
总资产ACTHIMS
| Q1 26 | $7.0B | $2.3B | ||
| Q4 25 | $6.9B | $2.2B | ||
| Q3 25 | $6.9B | $2.2B | ||
| Q2 25 | $6.8B | $1.9B | ||
| Q1 25 | $6.7B | $891.7M | ||
| Q4 24 | $6.5B | $707.5M | ||
| Q3 24 | $6.6B | $602.3M | ||
| Q2 24 | $6.3B | $480.5M |
负债/权益比ACTHIMS
| 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 | — | $89.4M |
| 自由现金流经营现金流 - 资本支出 | — | $53.0M |
| 自由现金流率自由现金流/营收 | — | 8.7% |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $60.3M |
8季度趋势，按日历期对齐
经营现金流ACTHIMS
| Q1 26 | — | $89.4M | ||
| Q4 25 | $724.5M | $61.3M | ||
| Q3 25 | $192.0M | $148.7M | ||
| Q2 25 | $119.5M | $-19.1M | ||
| Q1 25 | $226.7M | $109.1M | ||
| Q4 24 | $686.3M | $86.4M | ||
| Q3 24 | $188.1M | $85.3M | ||
| Q2 24 | $144.7M | $53.6M |
自由现金流ACTHIMS
| Q1 26 | — | $53.0M | ||
| Q4 25 | — | $-2.5M | ||
| Q3 25 | — | $79.3M | ||
| Q2 25 | — | $-69.5M | ||
| Q1 25 | — | $50.1M | ||
| Q4 24 | — | $59.5M | ||
| Q3 24 | — | $79.4M | ||
| Q2 24 | — | $47.6M |
自由现金流率ACTHIMS
| Q1 26 | — | 8.7% | ||
| Q4 25 | — | -0.4% | ||
| Q3 25 | — | 13.2% | ||
| Q2 25 | — | -12.8% | ||
| Q1 25 | — | 8.5% | ||
| Q4 24 | — | 12.4% | ||
| Q3 24 | — | 19.8% | ||
| Q2 24 | — | 15.1% |
资本支出强度ACTHIMS
| Q1 26 | — | — | ||
| Q4 25 | — | 10.3% | ||
| Q3 25 | — | 11.6% | ||
| Q2 25 | — | 9.3% | ||
| Q1 25 | — | 10.1% | ||
| Q4 24 | — | 5.6% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.9% |
现金转化率ACTHIMS
| Q1 26 | — | — | ||
| Q4 25 | — | 2.98× | ||
| Q3 25 | — | 9.43× | ||
| Q2 25 | — | -0.45× | ||
| Q1 25 | — | 2.20× | ||
| Q4 24 | — | 3.32× | ||
| Q3 24 | — | 1.13× | ||
| Q2 24 | — | 4.03× |
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% |
HIMS
| United States Revenue | $529.9M | 87% |
| Rest of the World Revenue | $78.2M | 13% |
