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Enact Holdings, Inc.（ACT）与HAVERTY FURNITURE COMPANIES INC（HVT）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HAVERTY FURNITURE COMPANIES INC的1.5倍（$312.7M vs $201.9M），HAVERTY FURNITURE COMPANIES INC同比增速更快（9.5% vs 3.6%），过去两年HAVERTY FURNITURE COMPANIES INC的营收复合增速更高（4.8% 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。
该企业原名为国际鞋业公司，1911年由两家鞋企合并成立于美国密苏里州克莱顿，后开展多元化业务并逐步退出制鞋领域，最终更名为家具品牌国际，是美国家居行业知名企业，曾拥有布罗伊希尔等多个知名家具品牌。
ACT vs HVT — 直观对比
营收规模更大
ACT
是对方的1.5倍
$201.9M
营收增速更快
HVT
高出5.9%
3.6%
两年增速更快
HVT
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $201.9M |
| 净利润 | — | $8.5M |
| 毛利率 | — | 60.4% |
| 营业利润率 | 71.3% | 5.3% |
| 净利率 | — | 4.2% |
| 营收同比 | 3.6% | 9.5% |
| 净利润同比 | — | 4.1% |
| 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ACTHVT
| Q4 25 | $312.7M | $201.9M | ||
| Q3 25 | $311.5M | $194.5M | ||
| Q2 25 | $304.9M | $181.0M | ||
| Q1 25 | $306.8M | $181.6M | ||
| Q4 24 | $301.8M | $184.4M | ||
| Q3 24 | $309.6M | $175.9M | ||
| Q2 24 | $298.8M | $178.6M | ||
| Q1 24 | $291.6M | $184.0M |
净利润ACTHVT
| Q4 25 | — | $8.5M | ||
| Q3 25 | — | $4.7M | ||
| Q2 25 | — | $2.7M | ||
| Q1 25 | — | $3.8M | ||
| Q4 24 | — | $8.2M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $4.4M | ||
| Q1 24 | — | $2.4M |
毛利率ACTHVT
| Q4 25 | — | 60.4% | ||
| Q3 25 | — | 60.3% | ||
| Q2 25 | — | 60.8% | ||
| Q1 25 | — | 61.2% | ||
| Q4 24 | — | 61.9% | ||
| Q3 24 | — | 60.2% | ||
| Q2 24 | — | 60.4% | ||
| Q1 24 | — | 60.3% |
营业利润率ACTHVT
| Q4 25 | 71.3% | 5.3% | ||
| Q3 25 | 67.4% | 3.3% | ||
| Q2 25 | 70.4% | 2.4% | ||
| Q1 25 | 68.9% | 2.9% | ||
| Q4 24 | 68.9% | 5.2% | ||
| Q3 24 | 74.1% | 3.9% | ||
| Q2 24 | 78.6% | 3.6% | ||
| Q1 24 | 70.6% | 1.7% |
净利率ACTHVT
| Q4 25 | — | 4.2% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 2.1% | ||
| Q4 24 | — | 4.4% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 2.5% | ||
| Q1 24 | — | 1.3% |
每股收益（稀释后）ACTHVT
| 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 | $125.3M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $307.9M |
| 总资产 | $6.9B | $649.1M |
| 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ACTHVT
| Q4 25 | $582.5M | $125.3M | ||
| Q3 25 | $545.6M | $130.5M | ||
| Q2 25 | $616.0M | $107.4M | ||
| Q1 25 | $639.0M | $111.9M | ||
| Q4 24 | $602.8M | $120.0M | ||
| Q3 24 | $674.9M | $121.2M | ||
| Q2 24 | $711.3M | $109.9M | ||
| Q1 24 | $624.3M | $111.8M |
总债务ACTHVT
| 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 | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTHVT
| Q4 25 | $5.4B | $307.9M | ||
| Q3 25 | $5.3B | $306.0M | ||
| Q2 25 | $5.2B | $304.9M | ||
| Q1 25 | $5.1B | $305.4M | ||
| Q4 24 | $5.0B | $307.6M | ||
| Q3 24 | $5.0B | $307.8M | ||
| Q2 24 | $4.8B | $307.1M | ||
| Q1 24 | $4.7B | $306.7M |
总资产ACTHVT
| Q4 25 | $6.9B | $649.1M | ||
| Q3 25 | $6.9B | $651.7M | ||
| Q2 25 | $6.8B | $642.7M | ||
| Q1 25 | $6.7B | $642.7M | ||
| Q4 24 | $6.5B | $648.7M | ||
| Q3 24 | $6.6B | $659.3M | ||
| Q2 24 | $6.3B | $642.1M | ||
| Q1 24 | $6.3B | $640.5M |
负债/权益比ACTHVT
| 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× | — | ||
| Q1 24 | 0.16× | — |
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 | $7.4M |
| 自由现金流经营现金流 - 资本支出 | — | $3.0M |
| 自由现金流率自由现金流/营收 | — | 1.5% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | — | 0.86× |
| 过去12个月自由现金流最近4个季度 | — | $33.0M |
8季度趋势，按日历期对齐
经营现金流ACTHVT
| Q4 25 | $724.5M | $7.4M | ||
| Q3 25 | $192.0M | $31.9M | ||
| Q2 25 | $119.5M | $7.2M | ||
| Q1 25 | $226.7M | $6.2M | ||
| Q4 24 | $686.3M | $16.9M | ||
| Q3 24 | $188.1M | $24.4M | ||
| Q2 24 | $144.7M | $14.4M | ||
| Q1 24 | $187.3M | $3.1M |
自由现金流ACTHVT
| Q4 25 | — | $3.0M | ||
| Q3 25 | — | $28.3M | ||
| Q2 25 | — | $1.6M | ||
| Q1 25 | — | $27.0K | ||
| Q4 24 | — | $9.1M | ||
| Q3 24 | — | $16.1M | ||
| Q2 24 | — | $4.9M | ||
| Q1 24 | — | $-3.3M |
自由现金流率ACTHVT
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 14.6% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 4.9% | ||
| Q3 24 | — | 9.2% | ||
| Q2 24 | — | 2.7% | ||
| Q1 24 | — | -1.8% |
资本支出强度ACTHVT
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 4.2% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 5.3% | ||
| Q1 24 | — | 3.5% |
现金转化率ACTHVT
| Q4 25 | — | 0.86× | ||
| Q3 25 | — | 6.75× | ||
| Q2 25 | — | 2.69× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 2.06× | ||
| Q3 24 | — | 4.96× | ||
| Q2 24 | — | 3.25× | ||
| Q1 24 | — | 1.31× |
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
HVT
| Upholstery | $91.0M | 45% |
| Bedroom Furniture | $29.2M | 14% |
| Accessories And Other | $28.4M | 14% |
| Dining Room Furniture | $22.8M | 11% |
| Mattresses | $16.1M | 8% |
| Occasional | $14.4M | 7% |
