vs
Enact Holdings, Inc.（ACT）与MONRO, INC.（MNRO）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MONRO, INC.的1.1倍（$312.7M vs $293.4M），Enact Holdings, Inc.同比增速更快（3.6% vs -4.0%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -2.7%）
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。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
ACT vs MNRO — 直观对比
营收规模更大
ACT
是对方的1.1倍
$293.4M
营收增速更快
ACT
高出7.7%
-4.0%
两年增速更快
ACT
近两年复合增速
-2.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $293.4M |
| 净利润 | — | $11.1M |
| 毛利率 | — | 34.9% |
| 营业利润率 | 71.3% | 6.3% |
| 净利率 | — | 3.8% |
| 营收同比 | 3.6% | -4.0% |
| 净利润同比 | — | 143.1% |
| 每股收益（稀释后） | $1.23 | $0.35 |
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ACTMNRO
| Q4 25 | $312.7M | $293.4M | ||
| Q3 25 | $311.5M | $288.9M | ||
| Q2 25 | $304.9M | $301.0M | ||
| Q1 25 | $306.8M | $295.0M | ||
| Q4 24 | $301.8M | $305.8M | ||
| Q3 24 | $309.6M | $301.4M | ||
| Q2 24 | $298.8M | $293.2M | ||
| Q1 24 | $291.6M | $310.1M |
净利润ACTMNRO
| Q4 25 | — | $11.1M | ||
| Q3 25 | — | $5.7M | ||
| Q2 25 | — | $-8.1M | ||
| Q1 25 | — | $-21.3M | ||
| Q4 24 | — | $4.6M | ||
| Q3 24 | — | $5.6M | ||
| Q2 24 | — | $5.9M | ||
| Q1 24 | — | $3.7M |
毛利率ACTMNRO
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% | ||
| Q1 24 | — | 35.5% |
营业利润率ACTMNRO
| Q4 25 | 71.3% | 6.3% | ||
| Q3 25 | 67.4% | 4.4% | ||
| Q2 25 | 70.4% | -2.0% | ||
| Q1 25 | 68.9% | -8.1% | ||
| Q4 24 | 68.9% | 3.3% | ||
| Q3 24 | 74.1% | 4.4% | ||
| Q2 24 | 78.6% | 4.5% | ||
| Q1 24 | 70.6% | 3.3% |
净利率ACTMNRO
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | -2.7% | ||
| Q1 25 | — | -7.2% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | 1.2% |
每股收益（稀释后）ACTMNRO
| Q4 25 | $1.23 | $0.35 | ||
| Q3 25 | $1.10 | $0.18 | ||
| Q2 25 | $1.11 | $-0.28 | ||
| Q1 25 | $1.08 | $-0.74 | ||
| Q4 24 | $1.05 | $0.15 | ||
| Q3 24 | $1.15 | $0.18 | ||
| Q2 24 | $1.16 | $0.19 | ||
| Q1 24 | $1.01 | $0.12 |
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 | $4.9M |
| 总债务越低越好 | $744.5M | $45.0M |
| 股东权益账面价值 | $5.4B | $604.9M |
| 总资产 | $6.9B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资ACTMNRO
| Q4 25 | $582.5M | $4.9M | ||
| Q3 25 | $545.6M | $10.5M | ||
| Q2 25 | $616.0M | $7.8M | ||
| Q1 25 | $639.0M | $20.8M | ||
| Q4 24 | $602.8M | $10.2M | ||
| Q3 24 | $674.9M | $20.9M | ||
| Q2 24 | $711.3M | $18.7M | ||
| Q1 24 | $624.3M | $6.6M |
总债务ACTMNRO
| Q4 25 | $744.5M | $45.0M | ||
| Q3 25 | $744.1M | $60.0M | ||
| Q2 25 | $743.8M | $71.5M | ||
| Q1 25 | $743.4M | $61.3M | ||
| Q4 24 | $743.0M | $59.3M | ||
| Q3 24 | $742.7M | $62.0M | ||
| Q2 24 | $742.4M | $112.0M | ||
| Q1 24 | $746.1M | $102.0M |
股东权益ACTMNRO
| Q4 25 | $5.4B | $604.9M | ||
| Q3 25 | $5.3B | $601.7M | ||
| Q2 25 | $5.2B | $604.9M | ||
| Q1 25 | $5.1B | $620.8M | ||
| Q4 24 | $5.0B | $648.9M | ||
| Q3 24 | $5.0B | $651.9M | ||
| Q2 24 | $4.8B | $654.4M | ||
| Q1 24 | $4.7B | $656.8M |
总资产ACTMNRO
| Q4 25 | $6.9B | $1.6B | ||
| Q3 25 | $6.9B | $1.6B | ||
| Q2 25 | $6.8B | $1.6B | ||
| Q1 25 | $6.7B | $1.6B | ||
| Q4 24 | $6.5B | $1.7B | ||
| Q3 24 | $6.6B | $1.7B | ||
| Q2 24 | $6.3B | $1.7B | ||
| Q1 24 | $6.3B | $1.7B |
负债/权益比ACTMNRO
| Q4 25 | 0.14× | 0.07× | ||
| Q3 25 | 0.14× | 0.10× | ||
| Q2 25 | 0.14× | 0.12× | ||
| Q1 25 | 0.15× | 0.10× | ||
| Q4 24 | 0.15× | 0.09× | ||
| Q3 24 | 0.15× | 0.10× | ||
| Q2 24 | 0.15× | 0.17× | ||
| Q1 24 | 0.16× | 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 | $17.8M |
| 自由现金流经营现金流 - 资本支出 | — | $9.1M |
| 自由现金流率自由现金流/营收 | — | 3.1% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.60× |
| 过去12个月自由现金流最近4个季度 | — | $49.6M |
8季度趋势，按日历期对齐
经营现金流ACTMNRO
| Q4 25 | $724.5M | $17.8M | ||
| Q3 25 | $192.0M | $32.3M | ||
| Q2 25 | $119.5M | $-1.9M | ||
| Q1 25 | $226.7M | $28.9M | ||
| Q4 24 | $686.3M | $14.8M | ||
| Q3 24 | $188.1M | $62.6M | ||
| Q2 24 | $144.7M | $25.6M | ||
| Q1 24 | $187.3M | $-5.3M |
自由现金流ACTMNRO
| Q4 25 | — | $9.1M | ||
| Q3 25 | — | $26.6M | ||
| Q2 25 | — | $-9.3M | ||
| Q1 25 | — | $23.2M | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | — | $57.6M | ||
| Q2 24 | — | $16.8M | ||
| Q1 24 | — | $-11.9M |
自由现金流率ACTMNRO
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | 9.2% | ||
| Q2 25 | — | -3.1% | ||
| Q1 25 | — | 7.9% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 19.1% | ||
| Q2 24 | — | 5.7% | ||
| Q1 24 | — | -3.8% |
资本支出强度ACTMNRO
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 2.1% |
现金转化率ACTMNRO
| Q4 25 | — | 1.60× | ||
| Q3 25 | — | 5.71× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.23× | ||
| Q3 24 | — | 11.08× | ||
| Q2 24 | — | 4.37× | ||
| Q1 24 | — | -1.42× |
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
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
