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Enact Holdings, Inc.（ACT）与IDT CORP（IDT）财务数据对比。点击上方公司名可切换其他公司
IDT CORP的季度营收约是Enact Holdings, Inc.的1.0倍（$322.8M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs 6.9%，领先46.9%），IDT CORP同比增速更快（4.3% vs 1.7%），过去两年IDT CORP的营收复合增速更高（4.4% 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。
IDT集团是一家跨国企业，总部位于美国新泽西州纽瓦克市，主营云通信、统一通信、销售点系统业务，同时为特定客户提供金融外汇服务，旗下拥有面向企业与消费者的多条业务线，知名产品包括Boss Revolution预付费电话卡。
ACT vs IDT — 直观对比
营收规模更大
IDT
是对方的1.0倍
$312.1M
营收增速更快
IDT
高出2.5%
1.7%
净利率更高
ACT
高出46.9%
6.9%
两年增速更快
IDT
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $322.8M |
| 净利润 | $168.0M | $22.4M |
| 毛利率 | — | 36.6% |
| 营业利润率 | — | 9.6% |
| 净利率 | 53.8% | 6.9% |
| 营收同比 | 1.7% | 4.3% |
| 净利润同比 | 1.2% | 29.6% |
| 每股收益（稀释后） | $1.18 | $0.89 |
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ACTIDT
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | $322.8M | ||
| Q3 25 | $311.5M | $316.6M | ||
| Q2 25 | $304.9M | $302.0M | ||
| Q1 25 | $306.8M | $303.3M | ||
| Q4 24 | $301.8M | $309.6M | ||
| Q3 24 | $309.6M | $308.8M | ||
| Q2 24 | $298.8M | $299.6M |
净利润ACTIDT
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $22.4M | ||
| Q3 25 | — | $16.9M | ||
| Q2 25 | — | $21.7M | ||
| Q1 25 | — | $20.3M | ||
| Q4 24 | — | $17.2M | ||
| Q3 24 | — | $36.8M | ||
| Q2 24 | — | $5.6M |
毛利率ACTIDT
| Q1 26 | — | — | ||
| Q4 25 | — | 36.6% | ||
| Q3 25 | — | 36.2% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 37.0% | ||
| Q4 24 | — | 34.8% | ||
| Q3 24 | — | 33.1% | ||
| Q2 24 | — | 32.4% |
营业利润率ACTIDT
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | 9.6% | ||
| Q3 25 | 67.4% | 6.9% | ||
| Q2 25 | 70.4% | 8.8% | ||
| Q1 25 | 68.9% | 9.3% | ||
| Q4 24 | 68.9% | 7.6% | ||
| Q3 24 | 74.1% | 6.5% | ||
| Q2 24 | 78.6% | 3.8% |
净利率ACTIDT
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | 6.9% | ||
| Q3 25 | — | 5.3% | ||
| Q2 25 | — | 7.2% | ||
| Q1 25 | — | 6.7% | ||
| Q4 24 | — | 5.6% | ||
| Q3 24 | — | 11.9% | ||
| Q2 24 | — | 1.9% |
每股收益（稀释后）ACTIDT
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | $0.89 | ||
| Q3 25 | $1.10 | $0.67 | ||
| Q2 25 | $1.11 | $0.86 | ||
| Q1 25 | $1.08 | $0.80 | ||
| Q4 24 | $1.05 | $0.68 | ||
| Q3 24 | $1.15 | $1.45 | ||
| Q2 24 | $1.16 | $0.22 |
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 | $189.3M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $320.7M |
| 总资产 | $7.0B | $654.9M |
| 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ACTIDT
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | $189.3M | ||
| Q3 25 | $545.6M | $226.5M | ||
| Q2 25 | $616.0M | $199.9M | ||
| Q1 25 | $639.0M | $142.2M | ||
| Q4 24 | $602.8M | $148.0M | ||
| Q3 24 | $674.9M | $164.6M | ||
| Q2 24 | $711.3M | $139.8M |
总债务ACTIDT
| 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ACTIDT
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $320.7M | ||
| Q3 25 | $5.3B | $305.1M | ||
| Q2 25 | $5.2B | $286.2M | ||
| Q1 25 | $5.1B | $271.6M | ||
| Q4 24 | $5.0B | $260.6M | ||
| Q3 24 | $5.0B | $246.2M | ||
| Q2 24 | $4.8B | $214.5M |
总资产ACTIDT
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | $654.9M | ||
| Q3 25 | $6.9B | $626.2M | ||
| Q2 25 | $6.8B | $600.9M | ||
| Q1 25 | $6.7B | $575.7M | ||
| Q4 24 | $6.5B | $554.6M | ||
| Q3 24 | $6.6B | $550.1M | ||
| Q2 24 | $6.3B | $517.3M |
负债/权益比ACTIDT
| 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 | — | $-10.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-16.0M |
| 自由现金流率自由现金流/营收 | — | -4.9% |
| 资本支出强度资本支出/营收 | — | 1.8% |
| 现金转化率经营现金流/净利润 | — | -0.45× |
| 过去12个月自由现金流最近4个季度 | — | $95.4M |
8季度趋势，按日历期对齐
经营现金流ACTIDT
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $-10.1M | ||
| Q3 25 | $192.0M | $31.0M | ||
| Q2 25 | $119.5M | $75.7M | ||
| Q1 25 | $226.7M | $20.2M | ||
| Q4 24 | $686.3M | $164.0K | ||
| Q3 24 | $188.1M | $25.4M | ||
| Q2 24 | $144.7M | $9.5M |
自由现金流ACTIDT
| Q1 26 | — | — | ||
| Q4 25 | — | $-16.0M | ||
| Q3 25 | — | $25.7M | ||
| Q2 25 | — | $70.3M | ||
| Q1 25 | — | $15.3M | ||
| Q4 24 | — | $-5.1M | ||
| Q3 24 | — | $20.1M | ||
| Q2 24 | — | $4.7M |
自由现金流率ACTIDT
| Q1 26 | — | — | ||
| Q4 25 | — | -4.9% | ||
| Q3 25 | — | 8.1% | ||
| Q2 25 | — | 23.3% | ||
| Q1 25 | — | 5.1% | ||
| Q4 24 | — | -1.7% | ||
| Q3 24 | — | 6.5% | ||
| Q2 24 | — | 1.6% |
资本支出强度ACTIDT
| Q1 26 | — | — | ||
| Q4 25 | — | 1.8% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.6% |
现金转化率ACTIDT
| Q1 26 | — | — | ||
| Q4 25 | — | -0.45× | ||
| Q3 25 | — | 1.84× | ||
| Q2 25 | — | 3.49× | ||
| Q1 25 | — | 0.99× | ||
| Q4 24 | — | 0.01× | ||
| Q3 24 | — | 0.69× | ||
| Q2 24 | — | 1.71× |
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% |
IDT
| IDT Digital Payments | $104.4M | 32% |
| IDT Global | $60.2M | 19% |
| BOSS Revolution | $45.7M | 14% |
| National Retail Solutions | $39.3M | 12% |
| BOSS Revolution Money Transfer | $36.3M | 11% |
| Net2phone | $23.9M | 7% |
| Other | $8.0M | 2% |
