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Enact Holdings, Inc.（ACT）与哈雷戴维森（HOG）财务数据对比。点击上方公司名可切换其他公司
哈雷戴维森的季度营收约是Enact Holdings, Inc.的1.2倍（$390.5M vs $312.7M），Enact Holdings, Inc.同比增速更快（3.6% vs -9.4%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -48.6%）
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。
哈雷戴维森是源自美国的摩托车制造商与生活方式品牌，总部位于威斯康星州密尔沃基，创立于1903年。它是大萧条时期幸存下来的两大美国摩托车厂商之一，历经多次股权变动、子公司调整、经营困境与全球竞争，如今已是全球知名的标志性品牌。
ACT vs HOG — 直观对比
营收规模更大
HOG
是对方的1.2倍
$312.7M
营收增速更快
ACT
高出13.0%
-9.4%
两年增速更快
ACT
近两年复合增速
-48.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $390.5M |
| 净利润 | — | $-282.6M |
| 毛利率 | — | -7.9% |
| 营业利润率 | 71.3% | -92.4% |
| 净利率 | — | -72.3% |
| 营收同比 | 3.6% | -9.4% |
| 净利润同比 | — | -138.6% |
| 每股收益（稀释后） | $1.23 | $-2.27 |
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ACTHOG
| Q4 25 | $312.7M | $390.5M | ||
| Q3 25 | $311.5M | $1.1B | ||
| Q2 25 | $304.9M | $1.0B | ||
| Q1 25 | $306.8M | $1.1B | ||
| Q4 24 | $301.8M | $430.9M | ||
| Q3 24 | $309.6M | $881.2M | ||
| Q2 24 | $298.8M | $1.4B | ||
| Q1 24 | $291.6M | $1.5B |
净利润ACTHOG
| Q4 25 | — | $-282.6M | ||
| Q3 25 | — | $377.4M | ||
| Q2 25 | — | $107.6M | ||
| Q1 25 | — | $133.1M | ||
| Q4 24 | — | $-118.4M | ||
| Q3 24 | — | $119.0M | ||
| Q2 24 | — | $218.3M | ||
| Q1 24 | — | $234.9M |
毛利率ACTHOG
| Q4 25 | — | -7.9% | ||
| Q3 25 | — | 26.0% | ||
| Q2 25 | — | 28.5% | ||
| Q1 25 | — | 28.9% | ||
| Q4 24 | — | -2.0% | ||
| Q3 24 | — | 29.8% | ||
| Q2 24 | — | 31.8% | ||
| Q1 24 | — | 30.9% |
营业利润率ACTHOG
| Q4 25 | 71.3% | -92.4% | ||
| Q3 25 | 67.4% | 44.0% | ||
| Q2 25 | 70.4% | 10.7% | ||
| Q1 25 | 68.9% | 14.8% | ||
| Q4 24 | 68.9% | -44.9% | ||
| Q3 24 | 74.1% | 12.0% | ||
| Q2 24 | 78.6% | 17.8% | ||
| Q1 24 | 70.6% | 17.8% |
净利率ACTHOG
| Q4 25 | — | -72.3% | ||
| Q3 25 | — | 35.0% | ||
| Q2 25 | — | 10.2% | ||
| Q1 25 | — | 12.3% | ||
| Q4 24 | — | -27.5% | ||
| Q3 24 | — | 13.5% | ||
| Q2 24 | — | 16.1% | ||
| Q1 24 | — | 15.9% |
每股收益（稀释后）ACTHOG
| Q4 25 | $1.23 | $-2.27 | ||
| Q3 25 | $1.10 | $3.10 | ||
| Q2 25 | $1.11 | $0.88 | ||
| Q1 25 | $1.08 | $1.07 | ||
| Q4 24 | $1.05 | $-0.82 | ||
| Q3 24 | $1.15 | $0.91 | ||
| Q2 24 | $1.16 | $1.63 | ||
| Q1 24 | $1.01 | $1.72 |
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 | $3.1B |
| 总债务越低越好 | $744.5M | $2.5B |
| 股东权益账面价值 | $5.4B | $3.1B |
| 总资产 | $6.9B | $8.0B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.79× |
8季度趋势，按日历期对齐
现金及短期投资ACTHOG
| Q4 25 | $582.5M | $3.1B | ||
| Q3 25 | $545.6M | $1.8B | ||
| Q2 25 | $616.0M | $1.6B | ||
| Q1 25 | $639.0M | $1.9B | ||
| Q4 24 | $602.8M | $1.6B | ||
| Q3 24 | $674.9M | $2.2B | ||
| Q2 24 | $711.3M | $1.8B | ||
| Q1 24 | $624.3M | $1.5B |
总债务ACTHOG
| Q4 25 | $744.5M | $2.5B | ||
| Q3 25 | $744.1M | $4.5B | ||
| Q2 25 | $743.8M | $6.4B | ||
| Q1 25 | $743.4M | $6.8B | ||
| Q4 24 | $743.0M | $6.3B | ||
| Q3 24 | $742.7M | $7.3B | ||
| Q2 24 | $742.4M | $7.0B | ||
| Q1 24 | $746.1M | $6.3B |
股东权益ACTHOG
| Q4 25 | $5.4B | $3.1B | ||
| Q3 25 | $5.3B | $3.6B | ||
| Q2 25 | $5.2B | $3.3B | ||
| Q1 25 | $5.1B | $3.2B | ||
| Q4 24 | $5.0B | $3.2B | ||
| Q3 24 | $5.0B | $3.4B | ||
| Q2 24 | $4.8B | $3.4B | ||
| Q1 24 | $4.7B | $3.3B |
总资产ACTHOG
| Q4 25 | $6.9B | $8.0B | ||
| Q3 25 | $6.9B | $10.6B | ||
| Q2 25 | $6.8B | $12.1B | ||
| Q1 25 | $6.7B | $12.4B | ||
| Q4 24 | $6.5B | $11.9B | ||
| Q3 24 | $6.6B | $13.0B | ||
| Q2 24 | $6.3B | $12.8B | ||
| Q1 24 | $6.3B | $12.3B |
负债/权益比ACTHOG
| Q4 25 | 0.14× | 0.79× | ||
| Q3 25 | 0.14× | 1.25× | ||
| Q2 25 | 0.14× | 1.91× | ||
| Q1 25 | 0.15× | 2.14× | ||
| Q4 24 | 0.15× | 2.00× | ||
| Q3 24 | 0.15× | 2.13× | ||
| Q2 24 | 0.15× | 2.03× | ||
| Q1 24 | 0.16× | 1.88× |
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 | $152.0M |
| 自由现金流经营现金流 - 资本支出 | — | $100.4M |
| 自由现金流率自由现金流/营收 | — | 25.7% |
| 资本支出强度资本支出/营收 | — | 13.2% |
| 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 | — | $415.2M |
8季度趋势，按日历期对齐
经营现金流ACTHOG
| Q4 25 | $724.5M | $152.0M | ||
| Q3 25 | $192.0M | $-92.6M | ||
| Q2 25 | $119.5M | $368.0M | ||
| Q1 25 | $226.7M | $141.5M | ||
| Q4 24 | $686.3M | $133.2M | ||
| Q3 24 | $188.1M | $353.0M | ||
| Q2 24 | $144.7M | $473.6M | ||
| Q1 24 | $187.3M | $104.0M |
自由现金流ACTHOG
| Q4 25 | — | $100.4M | ||
| Q3 25 | — | $-129.1M | ||
| Q2 25 | — | $332.4M | ||
| Q1 25 | — | $111.6M | ||
| Q4 24 | — | $77.0M | ||
| Q3 24 | — | $300.4M | ||
| Q2 24 | — | $432.2M | ||
| Q1 24 | — | $57.6M |
自由现金流率ACTHOG
| Q4 25 | — | 25.7% | ||
| Q3 25 | — | -12.0% | ||
| Q2 25 | — | 31.7% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 17.9% | ||
| Q3 24 | — | 34.1% | ||
| Q2 24 | — | 31.9% | ||
| Q1 24 | — | 3.9% |
资本支出强度ACTHOG
| Q4 25 | — | 13.2% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | — | 13.0% | ||
| Q3 24 | — | 6.0% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 3.1% |
现金转化率ACTHOG
| Q4 25 | — | — | ||
| Q3 25 | — | -0.25× | ||
| Q2 25 | — | 3.42× | ||
| Q1 25 | — | 1.06× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 2.97× | ||
| Q2 24 | — | 2.17× | ||
| Q1 24 | — | 0.44× |
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
HOG
| Motorcycles | $193.9M | 50% |
| Other | $63.8M | 16% |
| Other Income Financial Services | $59.8M | 15% |
| Apparel | $47.2M | 12% |
| Livewire Segment | $11.4M | 3% |
