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Enact Holdings, Inc.（ACT）与Mister Car Wash, Inc.（MCW）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Mister Car Wash, Inc.的1.2倍（$312.1M vs $261.2M），Enact Holdings, Inc.净利率更高（53.8% vs 7.7%，领先46.2%），Mister Car Wash, Inc.同比增速更快（4.0% vs 1.7%），过去两年Mister Car Wash, Inc.的营收复合增速更高（4.5% 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。
棕熊洗车是总部位于美国华盛顿州的连锁洗车品牌，1957年在西雅图成立，截至2021年拥有49家门店，是美国排名第12位的大型洗车连锁企业，在当地洗车服务市场拥有较高的市场认可度。
ACT vs MCW — 直观对比
营收规模更大
ACT
是对方的1.2倍
$261.2M
营收增速更快
MCW
高出2.3%
1.7%
净利率更高
ACT
高出46.2%
7.7%
两年增速更快
MCW
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $261.2M |
| 净利润 | $168.0M | $20.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 15.8% |
| 净利率 | 53.8% | 7.7% |
| 营收同比 | 1.7% | 4.0% |
| 净利润同比 | 1.2% | 118.9% |
| 每股收益（稀释后） | $1.18 | $0.06 |
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ACTMCW
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | $261.2M | ||
| Q3 25 | $311.5M | $263.4M | ||
| Q2 25 | $304.9M | $265.4M | ||
| Q1 25 | $306.8M | $261.7M | ||
| Q4 24 | $301.8M | $251.2M | ||
| Q3 24 | $309.6M | $249.3M | ||
| Q2 24 | $298.8M | $255.0M |
净利润ACTMCW
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $20.1M | ||
| Q3 25 | — | $27.4M | ||
| Q2 25 | — | $28.6M | ||
| Q1 25 | — | $27.0M | ||
| Q4 24 | — | $9.2M | ||
| Q3 24 | — | $22.3M | ||
| Q2 24 | — | $22.1M |
营业利润率ACTMCW
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | 15.8% | ||
| Q3 25 | 67.4% | 19.7% | ||
| Q2 25 | 70.4% | 20.4% | ||
| Q1 25 | 68.9% | 20.2% | ||
| Q4 24 | 68.9% | 12.7% | ||
| Q3 24 | 74.1% | 19.9% | ||
| Q2 24 | 78.6% | 21.6% |
净利率ACTMCW
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | 7.7% | ||
| Q3 25 | — | 10.4% | ||
| Q2 25 | — | 10.8% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 3.7% | ||
| Q3 24 | — | 9.0% | ||
| Q2 24 | — | 8.7% |
每股收益（稀释后）ACTMCW
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | $0.06 | ||
| Q3 25 | $1.10 | $0.08 | ||
| Q2 25 | $1.11 | $0.09 | ||
| Q1 25 | $1.08 | $0.08 | ||
| Q4 24 | $1.05 | $0.02 | ||
| Q3 24 | $1.15 | $0.07 | ||
| Q2 24 | $1.16 | $0.07 |
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 | $28.4M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $1.1B |
| 总资产 | $7.0B | $3.2B |
| 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ACTMCW
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | $28.4M | ||
| Q3 25 | $545.6M | $35.7M | ||
| Q2 25 | $616.0M | $26.4M | ||
| Q1 25 | $639.0M | $39.1M | ||
| Q4 24 | $602.8M | $67.5M | ||
| Q3 24 | $674.9M | $16.5M | ||
| Q2 24 | $711.3M | $3.6M |
总债务ACTMCW
| 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ACTMCW
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $1.1B | ||
| Q3 25 | $5.3B | $1.1B | ||
| Q2 25 | $5.2B | $1.1B | ||
| Q1 25 | $5.1B | $1.0B | ||
| Q4 24 | $5.0B | $998.4M | ||
| Q3 24 | $5.0B | $979.4M | ||
| Q2 24 | $4.8B | $949.4M |
总资产ACTMCW
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | $3.2B | ||
| Q3 25 | $6.9B | $3.1B | ||
| Q2 25 | $6.8B | $3.1B | ||
| Q1 25 | $6.7B | $3.1B | ||
| Q4 24 | $6.5B | $3.1B | ||
| Q3 24 | $6.6B | $3.0B | ||
| Q2 24 | $6.3B | $3.0B |
负债/权益比ACTMCW
| 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 | — | $60.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-16.8M |
| 自由现金流率自由现金流/营收 | — | -6.4% |
| 资本支出强度资本支出/营收 | — | 29.4% |
| 现金转化率经营现金流/净利润 | — | 2.99× |
| 过去12个月自由现金流最近4个季度 | — | $30.3M |
8季度趋势，按日历期对齐
经营现金流ACTMCW
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $60.0M | ||
| Q3 25 | $192.0M | $91.4M | ||
| Q2 25 | $119.5M | $46.8M | ||
| Q1 25 | $226.7M | $87.5M | ||
| Q4 24 | $686.3M | $49.8M | ||
| Q3 24 | $188.1M | $80.0M | ||
| Q2 24 | $144.7M | $60.9M |
自由现金流ACTMCW
| Q1 26 | — | — | ||
| Q4 25 | — | $-16.8M | ||
| Q3 25 | — | $25.8M | ||
| Q2 25 | — | $-11.2M | ||
| Q1 25 | — | $32.5M | ||
| Q4 24 | — | $-20.4M | ||
| Q3 24 | — | $-16.8M | ||
| Q2 24 | — | $-20.4M |
自由现金流率ACTMCW
| Q1 26 | — | — | ||
| Q4 25 | — | -6.4% | ||
| Q3 25 | — | 9.8% | ||
| Q2 25 | — | -4.2% | ||
| Q1 25 | — | 12.4% | ||
| Q4 24 | — | -8.1% | ||
| Q3 24 | — | -6.8% | ||
| Q2 24 | — | -8.0% |
资本支出强度ACTMCW
| Q1 26 | — | — | ||
| Q4 25 | — | 29.4% | ||
| Q3 25 | — | 24.9% | ||
| Q2 25 | — | 21.9% | ||
| Q1 25 | — | 21.1% | ||
| Q4 24 | — | 27.9% | ||
| Q3 24 | — | 38.8% | ||
| Q2 24 | — | 31.9% |
现金转化率ACTMCW
| Q1 26 | — | — | ||
| Q4 25 | — | 2.99× | ||
| Q3 25 | — | 3.33× | ||
| Q2 25 | — | 1.64× | ||
| Q1 25 | — | 3.24× | ||
| Q4 24 | — | 5.43× | ||
| Q3 24 | — | 3.58× | ||
| Q2 24 | — | 2.76× |
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% |
MCW
| Transferred Over Time | $205.7M | 79% |
| Transferred At Point In Time | $55.2M | 21% |
