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Enact Holdings, Inc.（ACT）与iRhythm Holdings, Inc.（IRTC）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iRhythm Holdings, Inc.的1.5倍（$312.7M vs $208.9M），iRhythm Holdings, Inc.同比增速更快（27.1% vs 3.6%），过去两年iRhythm Holdings, Inc.的营收复合增速更高（25.8% 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。
iRhythm Holdings是一家专注于心脏护理领域的数字医疗企业，开发可穿戴动态心脏监测设备及配套AI分析工具，主要服务美国市场的医疗机构与患者，帮助检测房颤等心律异常病症，为临床诊断提供可靠的数据支持。
ACT vs IRTC — 直观对比
营收规模更大
ACT
是对方的1.5倍
$208.9M
营收增速更快
IRTC
高出23.5%
3.6%
两年增速更快
IRTC
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $208.9M |
| 净利润 | — | $5.6M |
| 毛利率 | — | 70.9% |
| 营业利润率 | 71.3% | 1.1% |
| 净利率 | — | 2.7% |
| 营收同比 | 3.6% | 27.1% |
| 净利润同比 | — | 518.5% |
| 每股收益（稀释后） | $1.23 | $0.18 |
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ACTIRTC
| Q4 25 | $312.7M | $208.9M | ||
| Q3 25 | $311.5M | $192.9M | ||
| Q2 25 | $304.9M | $186.7M | ||
| Q1 25 | $306.8M | $158.7M | ||
| Q4 24 | $301.8M | $164.3M | ||
| Q3 24 | $309.6M | $147.5M | ||
| Q2 24 | $298.8M | $148.0M | ||
| Q1 24 | $291.6M | $131.9M |
净利润ACTIRTC
| Q4 25 | — | $5.6M | ||
| Q3 25 | — | $-5.2M | ||
| Q2 25 | — | $-14.2M | ||
| Q1 25 | — | $-30.7M | ||
| Q4 24 | — | $-1.3M | ||
| Q3 24 | — | $-46.2M | ||
| Q2 24 | — | $-20.1M | ||
| Q1 24 | — | $-45.7M |
毛利率ACTIRTC
| Q4 25 | — | 70.9% | ||
| Q3 25 | — | 71.1% | ||
| Q2 25 | — | 71.2% | ||
| Q1 25 | — | 68.8% | ||
| Q4 24 | — | 70.0% | ||
| Q3 24 | — | 68.8% | ||
| Q2 24 | — | 69.9% | ||
| Q1 24 | — | 66.3% |
营业利润率ACTIRTC
| Q4 25 | 71.3% | 1.1% | ||
| Q3 25 | 67.4% | -4.4% | ||
| Q2 25 | 70.4% | -10.0% | ||
| Q1 25 | 68.9% | -20.5% | ||
| Q4 24 | 68.9% | -2.5% | ||
| Q3 24 | 74.1% | -34.1% | ||
| Q2 24 | 78.6% | -15.5% | ||
| Q1 24 | 70.6% | -28.9% |
净利率ACTIRTC
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | -2.7% | ||
| Q2 25 | — | -7.6% | ||
| Q1 25 | — | -19.3% | ||
| Q4 24 | — | -0.8% | ||
| Q3 24 | — | -31.3% | ||
| Q2 24 | — | -13.6% | ||
| Q1 24 | — | -34.6% |
每股收益（稀释后）ACTIRTC
| Q4 25 | $1.23 | $0.18 | ||
| Q3 25 | $1.10 | $-0.16 | ||
| Q2 25 | $1.11 | $-0.44 | ||
| Q1 25 | $1.08 | $-0.97 | ||
| Q4 24 | $1.05 | $-0.03 | ||
| Q3 24 | $1.15 | $-1.48 | ||
| Q2 24 | $1.16 | $-0.65 | ||
| Q1 24 | $1.01 | $-1.47 |
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 | $583.8M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $152.7M |
| 总资产 | $6.9B | $1.0B |
| 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ACTIRTC
| Q4 25 | $582.5M | $583.8M | ||
| Q3 25 | $545.6M | $565.2M | ||
| Q2 25 | $616.0M | $545.5M | ||
| Q1 25 | $639.0M | $520.6M | ||
| Q4 24 | $602.8M | $535.6M | ||
| Q3 24 | $674.9M | $522.0M | ||
| Q2 24 | $711.3M | $561.5M | ||
| Q1 24 | $624.3M | $569.1M |
总债务ACTIRTC
| 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ACTIRTC
| Q4 25 | $5.4B | $152.7M | ||
| Q3 25 | $5.3B | $121.9M | ||
| Q2 25 | $5.2B | $103.7M | ||
| Q1 25 | $5.1B | $86.7M | ||
| Q4 24 | $5.0B | $90.9M | ||
| Q3 24 | $5.0B | $71.8M | ||
| Q2 24 | $4.8B | $99.2M | ||
| Q1 24 | $4.7B | $90.3M |
总资产ACTIRTC
| Q4 25 | $6.9B | $1.0B | ||
| Q3 25 | $6.9B | $995.2M | ||
| Q2 25 | $6.8B | $964.0M | ||
| Q1 25 | $6.7B | $926.1M | ||
| Q4 24 | $6.5B | $931.4M | ||
| Q3 24 | $6.6B | $909.7M | ||
| Q2 24 | $6.3B | $919.2M | ||
| Q1 24 | $6.3B | $909.8M |
负债/权益比ACTIRTC
| 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 | $26.2M |
| 自由现金流经营现金流 - 资本支出 | — | $14.5M |
| 自由现金流率自由现金流/营收 | — | 6.9% |
| 资本支出强度资本支出/营收 | — | 5.6% |
| 现金转化率经营现金流/净利润 | — | 4.70× |
| 过去12个月自由现金流最近4个季度 | — | $34.5M |
8季度趋势，按日历期对齐
经营现金流ACTIRTC
| Q4 25 | $724.5M | $26.2M | ||
| Q3 25 | $192.0M | $34.9M | ||
| Q2 25 | $119.5M | $27.7M | ||
| Q1 25 | $226.7M | $-7.9M | ||
| Q4 24 | $686.3M | $19.2M | ||
| Q3 24 | $188.1M | $24.3M | ||
| Q2 24 | $144.7M | $11.8M | ||
| Q1 24 | $187.3M | $-52.0M |
自由现金流ACTIRTC
| Q4 25 | — | $14.5M | ||
| Q3 25 | — | $20.1M | ||
| Q2 25 | — | $17.3M | ||
| Q1 25 | — | $-17.3M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $15.5M | ||
| Q2 24 | — | $3.4M | ||
| Q1 24 | — | $-61.8M |
自由现金流率ACTIRTC
| Q4 25 | — | 6.9% | ||
| Q3 25 | — | 10.4% | ||
| Q2 25 | — | 9.3% | ||
| Q1 25 | — | -10.9% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | — | 10.5% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | -46.8% |
资本支出强度ACTIRTC
| Q4 25 | — | 5.6% | ||
| Q3 25 | — | 7.7% | ||
| Q2 25 | — | 5.6% | ||
| Q1 25 | — | 5.9% | ||
| Q4 24 | — | 4.2% | ||
| Q3 24 | — | 6.0% | ||
| Q2 24 | — | 5.7% | ||
| Q1 24 | — | 7.4% |
现金转化率ACTIRTC
| Q4 25 | — | 4.70× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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
暂无分部数据
IRTC
| Commercial Payors | $111.7M | 53% |
| Centers For Medicare And Medicaid | $49.2M | 24% |
| Healthcare Institutions | $34.3M | 16% |
| Non Contracted Third Party Payors | $13.7M | 7% |
