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Enact Holdings, Inc.（ACT）与IAC Inc.（IAC）财务数据对比。点击上方公司名可切换其他公司
IAC Inc.的季度营收约是Enact Holdings, Inc.的1.4倍（$422.9M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs -17.0%，领先70.8%），Enact Holdings, Inc.同比增速更快（1.7% vs -12.2%），过去两年Enact Holdings, Inc.的营收复合增速更高（2.2% vs -18.4%）
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。
IAC Inc.是一家美国控股企业，业务覆盖媒体与互联网领域，在全球拥有多个知名品牌。公司前身是1996年成立的HSN Inc.，当时作为家庭购物频道Home Shopping Network和USA电视台的控股主体运营，1999年更名为USA Networks Inc.，2002年将旗下电视业务资产出售给威望迪集团。
ACT vs IAC — 直观对比
营收规模更大
IAC
是对方的1.4倍
$312.1M
营收增速更快
ACT
高出13.9%
-12.2%
净利率更高
ACT
高出70.8%
-17.0%
两年增速更快
ACT
近两年复合增速
-18.4%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $422.9M |
| 净利润 | $168.0M | $-71.9M |
| 毛利率 | — | 99.9% |
| 营业利润率 | — | — |
| 净利率 | 53.8% | -17.0% |
| 营收同比 | 1.7% | -12.2% |
| 净利润同比 | 1.2% | 67.1% |
| 每股收益（稀释后） | $1.18 | $-0.94 |
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ACTIAC
| Q1 26 | $312.1M | $422.9M | ||
| Q4 25 | $312.7M | $646.0M | ||
| Q3 25 | $311.5M | $589.8M | ||
| Q2 25 | $304.9M | $586.9M | ||
| Q1 25 | $306.8M | $570.5M | ||
| Q4 24 | $301.8M | $721.4M | ||
| Q3 24 | $309.6M | $642.0M | ||
| Q2 24 | $298.8M | $634.4M |
净利润ACTIAC
| Q1 26 | $168.0M | $-71.9M | ||
| Q4 25 | — | $-76.8M | ||
| Q3 25 | — | $-21.9M | ||
| Q2 25 | — | $211.5M | ||
| Q1 25 | — | $-216.8M | ||
| Q4 24 | — | $-199.0M | ||
| Q3 24 | — | $-243.7M | ||
| Q2 24 | — | $-142.2M |
毛利率ACTIAC
| Q1 26 | — | 99.9% | ||
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 64.8% | ||
| Q2 25 | — | 65.6% | ||
| Q1 25 | — | 64.0% | ||
| Q4 24 | — | 65.8% | ||
| Q3 24 | — | 62.1% | ||
| Q2 24 | — | 60.1% |
营业利润率ACTIAC
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | -17.5% | ||
| Q3 25 | 67.4% | -3.5% | ||
| Q2 25 | 70.4% | 0.1% | ||
| Q1 25 | 68.9% | 6.3% | ||
| Q4 24 | 68.9% | 6.7% | ||
| Q3 24 | 74.1% | 1.3% | ||
| Q2 24 | 78.6% | -3.4% |
净利率ACTIAC
| Q1 26 | 53.8% | -17.0% | ||
| Q4 25 | — | -11.9% | ||
| Q3 25 | — | -3.7% | ||
| Q2 25 | — | 36.0% | ||
| Q1 25 | — | -38.0% | ||
| Q4 24 | — | -27.6% | ||
| Q3 24 | — | -38.0% | ||
| Q2 24 | — | -22.4% |
每股收益（稀释后）ACTIAC
| Q1 26 | $1.18 | $-0.94 | ||
| Q4 25 | $1.23 | $-0.96 | ||
| Q3 25 | $1.10 | $-0.27 | ||
| Q2 25 | $1.11 | $2.57 | ||
| Q1 25 | $1.08 | $-2.64 | ||
| Q4 24 | $1.05 | $-2.36 | ||
| Q3 24 | $1.15 | $-2.93 | ||
| Q2 24 | $1.16 | $-1.71 |
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 | $1.1B |
| 总债务越低越好 | $744.9M | $24.5M |
| 股东权益账面价值 | $5.3B | $4.6B |
| 总资产 | $7.0B | $6.8B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资ACTIAC
| Q1 26 | $549.0M | $1.1B | ||
| Q4 25 | $582.5M | $960.2M | ||
| Q3 25 | $545.6M | $1.0B | ||
| Q2 25 | $616.0M | $1.1B | ||
| Q1 25 | $639.0M | $1.2B | ||
| Q4 24 | $602.8M | $1.4B | ||
| Q3 24 | $674.9M | $1.3B | ||
| Q2 24 | $711.3M | $1.3B |
总债务ACTIAC
| Q1 26 | $744.9M | $24.5M | ||
| Q4 25 | $744.5M | $1.4B | ||
| Q3 25 | $744.1M | $1.4B | ||
| Q2 25 | $743.8M | $1.4B | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | — | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — |
股东权益ACTIAC
| Q1 26 | $5.3B | $4.6B | ||
| Q4 25 | $5.4B | $4.7B | ||
| Q3 25 | $5.3B | $4.8B | ||
| Q2 25 | $5.2B | $4.9B | ||
| Q1 25 | $5.1B | $4.7B | ||
| Q4 24 | $5.0B | $5.6B | ||
| Q3 24 | $5.0B | $5.8B | ||
| Q2 24 | $4.8B | $6.0B |
总资产ACTIAC
| Q1 26 | $7.0B | $6.8B | ||
| Q4 25 | $6.9B | $7.1B | ||
| Q3 25 | $6.9B | $7.2B | ||
| Q2 25 | $6.8B | $7.4B | ||
| Q1 25 | $6.7B | $7.2B | ||
| Q4 24 | $6.5B | $9.7B | ||
| Q3 24 | $6.6B | $9.8B | ||
| Q2 24 | $6.3B | $10.2B |
负债/权益比ACTIAC
| Q1 26 | 0.14× | 0.01× | ||
| Q4 25 | 0.14× | 0.30× | ||
| Q3 25 | 0.14× | 0.30× | ||
| Q2 25 | 0.14× | 0.30× | ||
| 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 | — | $5.4M |
| 自由现金流经营现金流 - 资本支出 | — | $2.0M |
| 自由现金流率自由现金流/营收 | — | 0.5% |
| 资本支出强度资本支出/营收 | — | 1.9% |
| 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 | — | $51.4M |
8季度趋势，按日历期对齐
经营现金流ACTIAC
| Q1 26 | — | $5.4M | ||
| Q4 25 | $724.5M | $36.6M | ||
| Q3 25 | $192.0M | $30.1M | ||
| Q2 25 | $119.5M | $-2.8M | ||
| Q1 25 | $226.7M | $63.0K | ||
| Q4 24 | $686.3M | $110.1M | ||
| Q3 24 | $188.1M | $95.3M | ||
| Q2 24 | $144.7M | $85.0M |
自由现金流ACTIAC
| Q1 26 | — | $2.0M | ||
| Q4 25 | — | $31.4M | ||
| Q3 25 | — | $25.3M | ||
| Q2 25 | — | $-7.2M | ||
| Q1 25 | — | $-4.6M | ||
| Q4 24 | — | $104.8M | ||
| Q3 24 | — | $92.0M | ||
| Q2 24 | — | $81.6M |
自由现金流率ACTIAC
| Q1 26 | — | 0.5% | ||
| Q4 25 | — | 4.9% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | -1.2% | ||
| Q1 25 | — | -0.8% | ||
| Q4 24 | — | 14.5% | ||
| Q3 24 | — | 14.3% | ||
| Q2 24 | — | 12.9% |
资本支出强度ACTIAC
| Q1 26 | — | 1.9% | ||
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% |
现金转化率ACTIAC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -0.01× | ||
| Q1 25 | — | — | ||
| 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% |
IAC
| People Inc. (a) | $385.7M | 91% |
| Emerging & Other | $20.1M | 5% |
| Search | $17.1M | 4% |
