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Enact Holdings, Inc.（ACT）与丰田北美（MPAA）财务数据对比。点击上方公司名可切换其他公司
Enact Holdings, Inc.的季度营收约是丰田北美的1.9倍（$312.7M vs $167.7M），Enact Holdings, Inc.同比增速更快（3.6% vs -9.9%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -5.9%）
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。
丰田北美（TMNA）是丰田汽车旗下负责加拿大、墨西哥及美国全境业务的运营子公司，业务范围覆盖研发、生产制造、销售营销、售后及企业管理等板块，相关核心业务由TMNA统筹，部分板块由其他子公司及控股企业负责执行，公司总部位于得克萨斯州普莱诺，在肯塔基州乔治敦等多地设有分支机构。
ACT vs MPAA — 直观对比
营收规模更大
ACT
是对方的1.9倍
$167.7M
营收增速更快
ACT
高出13.5%
-9.9%
两年增速更快
ACT
近两年复合增速
-5.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $167.7M |
| 净利润 | — | $1.8M |
| 毛利率 | — | 19.6% |
| 营业利润率 | 71.3% | 5.0% |
| 净利率 | — | 1.1% |
| 营收同比 | 3.6% | -9.9% |
| 净利润同比 | — | -22.4% |
| 每股收益（稀释后） | $1.23 | $0.09 |
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ACTMPAA
| Q4 25 | $312.7M | $167.7M | ||
| Q3 25 | $311.5M | $221.5M | ||
| Q2 25 | $304.9M | $188.4M | ||
| Q1 25 | $306.8M | $193.1M | ||
| Q4 24 | $301.8M | $186.2M | ||
| Q3 24 | $309.6M | $208.2M | ||
| Q2 24 | $298.8M | $169.9M | ||
| Q1 24 | $291.6M | $189.5M |
净利润ACTMPAA
| Q4 25 | — | $1.8M | ||
| Q3 25 | — | $-2.1M | ||
| Q2 25 | — | $3.0M | ||
| Q1 25 | — | $-722.0K | ||
| Q4 24 | — | $2.3M | ||
| Q3 24 | — | $-3.0M | ||
| Q2 24 | — | $-18.1M | ||
| Q1 24 | — | $1.3M |
毛利率ACTMPAA
| Q4 25 | — | 19.6% | ||
| Q3 25 | — | 19.3% | ||
| Q2 25 | — | 18.0% | ||
| Q1 25 | — | 19.9% | ||
| Q4 24 | — | 24.1% | ||
| Q3 24 | — | 19.8% | ||
| Q2 24 | — | 17.2% | ||
| Q1 24 | — | 18.4% |
营业利润率ACTMPAA
| Q4 25 | 71.3% | 5.0% | ||
| Q3 25 | 67.4% | 7.4% | ||
| Q2 25 | 70.4% | 10.7% | ||
| Q1 25 | 68.9% | 8.4% | ||
| Q4 24 | 68.9% | 9.4% | ||
| Q3 24 | 74.1% | 6.0% | ||
| Q2 24 | 78.6% | -3.8% | ||
| Q1 24 | 70.6% | 6.4% |
净利率ACTMPAA
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | -1.0% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | -0.4% | ||
| Q4 24 | — | 1.2% | ||
| Q3 24 | — | -1.4% | ||
| Q2 24 | — | -10.6% | ||
| Q1 24 | — | 0.7% |
每股收益（稀释后）ACTMPAA
| Q4 25 | $1.23 | $0.09 | ||
| Q3 25 | $1.10 | $-0.11 | ||
| Q2 25 | $1.11 | $0.15 | ||
| Q1 25 | $1.08 | $-0.03 | ||
| Q4 24 | $1.05 | $0.11 | ||
| Q3 24 | $1.15 | $-0.15 | ||
| Q2 24 | $1.16 | $-0.92 | ||
| Q1 24 | $1.01 | $0.06 |
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 | $19.6M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $258.5M |
| 总资产 | $6.9B | $991.3M |
| 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ACTMPAA
| Q4 25 | $582.5M | $19.6M | ||
| Q3 25 | $545.6M | $17.7M | ||
| Q2 25 | $616.0M | $14.5M | ||
| Q1 25 | $639.0M | $11.3M | ||
| Q4 24 | $602.8M | $12.7M | ||
| Q3 24 | $674.9M | $12.3M | ||
| Q2 24 | $711.3M | $9.4M | ||
| Q1 24 | $624.3M | $15.8M |
总债务ACTMPAA
| 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ACTMPAA
| Q4 25 | $5.4B | $258.5M | ||
| Q3 25 | $5.3B | $258.5M | ||
| Q2 25 | $5.2B | $260.1M | ||
| Q1 25 | $5.1B | $257.7M | ||
| Q4 24 | $5.0B | $262.7M | ||
| Q3 24 | $5.0B | $264.0M | ||
| Q2 24 | $4.8B | $267.2M | ||
| Q1 24 | $4.7B | $285.1M |
总资产ACTMPAA
| Q4 25 | $6.9B | $991.3M | ||
| Q3 25 | $6.9B | $990.0M | ||
| Q2 25 | $6.8B | $973.4M | ||
| Q1 25 | $6.7B | $957.6M | ||
| Q4 24 | $6.5B | $949.5M | ||
| Q3 24 | $6.6B | $986.2M | ||
| Q2 24 | $6.3B | $978.0M | ||
| Q1 24 | $6.3B | $1.0B |
负债/权益比ACTMPAA
| 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 | $-8.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-8.6M |
| 自由现金流率自由现金流/营收 | — | -5.2% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 现金转化率经营现金流/净利润 | — | -4.63× |
| 过去12个月自由现金流最近4个季度 | — | $27.7M |
8季度趋势，按日历期对齐
经营现金流ACTMPAA
| Q4 25 | $724.5M | $-8.2M | ||
| Q3 25 | $192.0M | $21.9M | ||
| Q2 25 | $119.5M | $10.0M | ||
| Q1 25 | $226.7M | $9.1M | ||
| Q4 24 | $686.3M | $34.4M | ||
| Q3 24 | $188.1M | $22.9M | ||
| Q2 24 | $144.7M | $-20.8M | ||
| Q1 24 | $187.3M | $-9.3M |
自由现金流ACTMPAA
| Q4 25 | — | $-8.6M | ||
| Q3 25 | — | $20.8M | ||
| Q2 25 | — | $9.2M | ||
| Q1 25 | — | $6.2M | ||
| Q4 24 | — | $33.7M | ||
| Q3 24 | — | $22.3M | ||
| Q2 24 | — | $-21.3M | ||
| Q1 24 | — | $-9.8M |
自由现金流率ACTMPAA
| Q4 25 | — | -5.2% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | — | 4.9% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 18.1% | ||
| Q3 24 | — | 10.7% | ||
| Q2 24 | — | -12.6% | ||
| Q1 24 | — | -5.2% |
资本支出强度ACTMPAA
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.3% |
现金转化率ACTMPAA
| Q4 25 | — | -4.63× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 3.30× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 15.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -6.93× |
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
MPAA
| Reportable Segment Aggregation Before Other Operating Segment | $156.3M | 93% |
| Other | $11.4M | 7% |
