vs
Enact Holdings, Inc.（ACT）与Neptune Insurance Holdings Inc.（NP）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Neptune Insurance Holdings Inc.的8.3倍（$312.7M vs $37.8M）。Neptune Insurance Holdings Inc.同比增速更快（28.8% 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。
海王星保险控股有限公司是一家专业保险控股企业，主要经营财产及意外伤害保险业务，核心产品覆盖美国市场的住宅与商业洪水保险，服务个人消费者及中小型商业客户，依托数据分析实现精准定价和高效风险管理。
ACT vs NP — 直观对比
营收规模更大
ACT
是对方的8.3倍
$37.8M
营收增速更快
NP
高出25.1%
3.6%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $37.8M |
| 净利润 | — | $50.0K |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | — |
| 净利率 | — | 0.1% |
| 营收同比 | 3.6% | 28.8% |
| 净利润同比 | — | 0.0% |
| 每股收益（稀释后） | $1.23 | $0.05 |
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ACTNP
| Q1 26 | — | $37.8M | ||
| Q4 25 | $312.7M | — | ||
| Q3 25 | $311.5M | $44.4M | ||
| Q2 25 | $304.9M | — | ||
| Q1 25 | $306.8M | — | ||
| Q4 24 | $301.8M | — | ||
| Q3 24 | $309.6M | $33.8M | ||
| Q2 24 | $298.8M | — |
净利润ACTNP
| Q1 26 | — | $50.0K | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $11.5M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $12.1M | ||
| Q2 24 | — | — |
营业利润率ACTNP
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | — | ||
| Q3 25 | 67.4% | 46.7% | ||
| Q2 25 | 70.4% | — | ||
| Q1 25 | 68.9% | — | ||
| Q4 24 | 68.9% | — | ||
| Q3 24 | 74.1% | 58.6% | ||
| Q2 24 | 78.6% | — |
净利率ACTNP
| Q1 26 | — | 0.1% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 25.9% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | — |
每股收益（稀释后）ACTNP
| Q1 26 | — | $0.05 | ||
| Q4 25 | $1.23 | — | ||
| Q3 25 | $1.10 | $0.06 | ||
| Q2 25 | $1.11 | — | ||
| Q1 25 | $1.08 | — | ||
| Q4 24 | $1.05 | — | ||
| Q3 24 | $1.15 | $0.06 | ||
| Q2 24 | $1.16 | — |
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 | — |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | — |
| 总资产 | $6.9B | — |
| 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ACTNP
| Q1 26 | — | — | ||
| Q4 25 | $582.5M | — | ||
| Q3 25 | $545.6M | $12.2M | ||
| Q2 25 | $616.0M | — | ||
| Q1 25 | $639.0M | — | ||
| Q4 24 | $602.8M | — | ||
| Q3 24 | $674.9M | — | ||
| Q2 24 | $711.3M | — |
总债务ACTNP
| Q1 26 | — | — | ||
| Q4 25 | $744.5M | — | ||
| Q3 25 | $744.1M | $247.6M | ||
| Q2 25 | $743.8M | — | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | — | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — |
股东权益ACTNP
| Q1 26 | — | — | ||
| Q4 25 | $5.4B | — | ||
| Q3 25 | $5.3B | $-509.5M | ||
| Q2 25 | $5.2B | — | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $5.0B | — | ||
| Q3 24 | $5.0B | $-374.3M | ||
| Q2 24 | $4.8B | — |
总资产ACTNP
| Q1 26 | — | — | ||
| Q4 25 | $6.9B | — | ||
| Q3 25 | $6.9B | $89.6M | ||
| Q2 25 | $6.8B | — | ||
| Q1 25 | $6.7B | — | ||
| Q4 24 | $6.5B | — | ||
| Q3 24 | $6.6B | — | ||
| Q2 24 | $6.3B | — |
负债/权益比ACTNP
| Q1 26 | — | — | ||
| 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 | $186.3M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ACTNP
| Q1 26 | — | — | ||
| Q4 25 | $186.3M | — | ||
| Q3 25 | $192.0M | — | ||
| Q2 25 | $119.5M | — | ||
| Q1 25 | $226.7M | — | ||
| Q4 24 | $166.1M | — | ||
| Q3 24 | $188.1M | — | ||
| Q2 24 | $144.7M | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
