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Enact Holdings, Inc.（ACT）与Grand Canyon Education, Inc.（LOPE）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Grand Canyon Education, Inc.的1.0倍（$312.7M vs $308.1M），Grand Canyon Education, Inc.同比增速更快（5.3% vs 3.6%），过去两年Grand Canyon Education, Inc.的营收复合增速更高（5.9% 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。
大峡谷教育（Grand Canyon Education, Inc.）是美国的营利性上市企业，核心业务为高等院校提供课程开发、在线教育解决方案及运营支持服务。该公司最初与亚利桑那州的基督教院校大峡谷大学关联，2008年分拆为独立实体上市。
ACT vs LOPE — 直观对比
营收规模更大
ACT
是对方的1.0倍
$308.1M
营收增速更快
LOPE
高出1.7%
3.6%
两年增速更快
LOPE
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $308.1M |
| 净利润 | — | $86.7M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 35.1% |
| 净利率 | — | 28.1% |
| 营收同比 | 3.6% | 5.3% |
| 净利润同比 | — | 5.9% |
| 每股收益（稀释后） | $1.23 | $3.13 |
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ACTLOPE
| Q4 25 | $312.7M | $308.1M | ||
| Q3 25 | $311.5M | $261.1M | ||
| Q2 25 | $304.9M | $247.5M | ||
| Q1 25 | $306.8M | $289.3M | ||
| Q4 24 | $301.8M | $292.6M | ||
| Q3 24 | $309.6M | $238.3M | ||
| Q2 24 | $298.8M | $227.5M | ||
| Q1 24 | $291.6M | $274.7M |
净利润ACTLOPE
| Q4 25 | — | $86.7M | ||
| Q3 25 | — | $16.3M | ||
| Q2 25 | — | $41.5M | ||
| Q1 25 | — | $71.6M | ||
| Q4 24 | — | $81.9M | ||
| Q3 24 | — | $41.5M | ||
| Q2 24 | — | $34.9M | ||
| Q1 24 | — | $68.0M |
营业利润率ACTLOPE
| Q4 25 | 71.3% | 35.1% | ||
| Q3 25 | 67.4% | 6.9% | ||
| Q2 25 | 70.4% | 20.9% | ||
| Q1 25 | 68.9% | 30.4% | ||
| Q4 24 | 68.9% | 34.2% | ||
| Q3 24 | 74.1% | 20.2% | ||
| Q2 24 | 78.6% | 18.8% | ||
| Q1 24 | 70.6% | 30.8% |
净利率ACTLOPE
| Q4 25 | — | 28.1% | ||
| Q3 25 | — | 6.2% | ||
| Q2 25 | — | 16.8% | ||
| Q1 25 | — | 24.8% | ||
| Q4 24 | — | 28.0% | ||
| Q3 24 | — | 17.4% | ||
| Q2 24 | — | 15.3% | ||
| Q1 24 | — | 24.8% |
每股收益（稀释后）ACTLOPE
| Q4 25 | $1.23 | $3.13 | ||
| Q3 25 | $1.10 | $0.58 | ||
| Q2 25 | $1.11 | $1.48 | ||
| Q1 25 | $1.08 | $2.52 | ||
| Q4 24 | $1.05 | $2.83 | ||
| Q3 24 | $1.15 | $1.42 | ||
| Q2 24 | $1.16 | $1.19 | ||
| Q1 24 | $1.01 | $2.29 |
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 | $111.8M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $746.9M |
| 总资产 | $6.9B | $992.3M |
| 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ACTLOPE
| Q4 25 | $582.5M | $111.8M | ||
| Q3 25 | $545.6M | $97.3M | ||
| Q2 25 | $616.0M | $192.3M | ||
| Q1 25 | $639.0M | $144.5M | ||
| Q4 24 | $602.8M | $324.6M | ||
| Q3 24 | $674.9M | $263.6M | ||
| Q2 24 | $711.3M | $241.3M | ||
| Q1 24 | $624.3M | $196.2M |
总债务ACTLOPE
| 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ACTLOPE
| Q4 25 | $5.4B | $746.9M | ||
| Q3 25 | $5.3B | $758.0M | ||
| Q2 25 | $5.2B | $778.0M | ||
| Q1 25 | $5.1B | $780.7M | ||
| Q4 24 | $5.0B | $783.9M | ||
| Q3 24 | $5.0B | $764.1M | ||
| Q2 24 | $4.8B | $759.2M | ||
| Q1 24 | $4.7B | $759.4M |
总资产ACTLOPE
| Q4 25 | $6.9B | $992.3M | ||
| Q3 25 | $6.9B | $1.0B | ||
| Q2 25 | $6.8B | $1.0B | ||
| Q1 25 | $6.7B | $1.0B | ||
| Q4 24 | $6.5B | $1.0B | ||
| Q3 24 | $6.6B | $992.9M | ||
| Q2 24 | $6.3B | $992.7M | ||
| Q1 24 | $6.3B | $1.0B |
负债/权益比ACTLOPE
| 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 | $130.5M |
| 自由现金流经营现金流 - 资本支出 | — | $122.9M |
| 自由现金流率自由现金流/营收 | — | 39.9% |
| 资本支出强度资本支出/营收 | — | 2.5% |
| 现金转化率经营现金流/净利润 | — | 1.50× |
| 过去12个月自由现金流最近4个季度 | — | $238.6M |
8季度趋势，按日历期对齐
经营现金流ACTLOPE
| Q4 25 | $724.5M | $130.5M | ||
| Q3 25 | $192.0M | $-48.6M | ||
| Q2 25 | $119.5M | $124.0M | ||
| Q1 25 | $226.7M | $67.6M | ||
| Q4 24 | $686.3M | $135.8M | ||
| Q3 24 | $188.1M | $-29.4M | ||
| Q2 24 | $144.7M | $98.6M | ||
| Q1 24 | $187.3M | $85.0M |
自由现金流ACTLOPE
| Q4 25 | — | $122.9M | ||
| Q3 25 | — | $-58.3M | ||
| Q2 25 | — | $115.4M | ||
| Q1 25 | — | $58.7M | ||
| Q4 24 | — | $126.1M | ||
| Q3 24 | — | $-39.0M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $76.0M |
自由现金流率ACTLOPE
| Q4 25 | — | 39.9% | ||
| Q3 25 | — | -22.3% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 20.3% | ||
| Q4 24 | — | 43.1% | ||
| Q3 24 | — | -16.3% | ||
| Q2 24 | — | 39.4% | ||
| Q1 24 | — | 27.7% |
资本支出强度ACTLOPE
| Q4 25 | — | 2.5% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | 3.9% | ||
| Q1 24 | — | 3.3% |
现金转化率ACTLOPE
| Q4 25 | — | 1.50× | ||
| Q3 25 | — | -2.99× | ||
| Q2 25 | — | 2.98× | ||
| Q1 25 | — | 0.94× | ||
| Q4 24 | — | 1.66× | ||
| Q3 24 | — | -0.71× | ||
| Q2 24 | — | 2.83× | ||
| Q1 24 | — | 1.25× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
