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Enact Holdings, Inc.（ACT）与ONESPAWORLD HOLDINGS Ltd（OSW）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ONESPAWORLD HOLDINGS Ltd的1.3倍（$312.7M vs $242.1M），ONESPAWORLD HOLDINGS Ltd同比增速更快（11.5% vs 3.6%），过去两年ONESPAWORLD HOLDINGS Ltd的营收复合增速更高（7.1% 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。
ACT vs OSW — 直观对比
营收规模更大
ACT
是对方的1.3倍
$242.1M
营收增速更快
OSW
高出7.9%
3.6%
两年增速更快
OSW
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $242.1M |
| 净利润 | — | $12.1M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 6.8% |
| 净利率 | — | 5.0% |
| 营收同比 | 3.6% | 11.5% |
| 净利润同比 | — | -16.2% |
| 每股收益（稀释后） | $1.23 | $0.12 |
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ACTOSW
| Q4 25 | $312.7M | $242.1M | ||
| Q3 25 | $311.5M | $258.5M | ||
| Q2 25 | $304.9M | $240.7M | ||
| Q1 25 | $306.8M | $219.6M | ||
| Q4 24 | $301.8M | $217.2M | ||
| Q3 24 | $309.6M | $241.7M | ||
| Q2 24 | $298.8M | $224.9M | ||
| Q1 24 | $291.6M | $211.2M |
净利润ACTOSW
| Q4 25 | — | $12.1M | ||
| Q3 25 | — | $24.3M | ||
| Q2 25 | — | $19.9M | ||
| Q1 25 | — | $15.3M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | — | $21.6M | ||
| Q2 24 | — | $15.8M | ||
| Q1 24 | — | $21.2M |
营业利润率ACTOSW
| Q4 25 | 71.3% | 6.8% | ||
| Q3 25 | 67.4% | 10.2% | ||
| Q2 25 | 70.4% | 9.2% | ||
| Q1 25 | 68.9% | 7.7% | ||
| Q4 24 | 68.9% | 7.9% | ||
| Q3 24 | 74.1% | 10.3% | ||
| Q2 24 | 78.6% | 8.4% | ||
| Q1 24 | 70.6% | 8.0% |
净利率ACTOSW
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 7.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | — | 8.9% | ||
| Q2 24 | — | 7.0% | ||
| Q1 24 | — | 10.0% |
每股收益（稀释后）ACTOSW
| Q4 25 | $1.23 | $0.12 | ||
| Q3 25 | $1.10 | $0.23 | ||
| Q2 25 | $1.11 | $0.19 | ||
| Q1 25 | $1.08 | $0.15 | ||
| Q4 24 | $1.05 | $0.13 | ||
| Q3 24 | $1.15 | $0.20 | ||
| Q2 24 | $1.16 | $0.15 | ||
| Q1 24 | $1.01 | $0.21 |
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 | $16.3M |
| 总债务越低越好 | $744.5M | $84.0M |
| 股东权益账面价值 | $5.4B | $542.6M |
| 总资产 | $6.9B | $707.1M |
| 负债/权益比越低杠杆越低 | 0.14× | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资ACTOSW
| Q4 25 | $582.5M | $16.3M | ||
| Q3 25 | $545.6M | $29.6M | ||
| Q2 25 | $616.0M | $35.0M | ||
| Q1 25 | $639.0M | $22.6M | ||
| Q4 24 | $602.8M | $57.4M | ||
| Q3 24 | $674.9M | $48.8M | ||
| Q2 24 | $711.3M | $62.5M | ||
| Q1 24 | $624.3M | $65.4M |
总债务ACTOSW
| Q4 25 | $744.5M | $84.0M | ||
| Q3 25 | $744.1M | $85.2M | ||
| Q2 25 | $743.8M | $96.2M | ||
| Q1 25 | $743.4M | $97.4M | ||
| Q4 24 | $743.0M | $98.6M | ||
| Q3 24 | $742.7M | $98.7M | ||
| Q2 24 | $742.4M | $123.8M | ||
| Q1 24 | $746.1M | $138.6M |
股东权益ACTOSW
| Q4 25 | $5.4B | $542.6M | ||
| Q3 25 | $5.3B | $552.8M | ||
| Q2 25 | $5.2B | $548.3M | ||
| Q1 25 | $5.1B | $530.6M | ||
| Q4 24 | $5.0B | $554.5M | ||
| Q3 24 | $5.0B | $540.1M | ||
| Q2 24 | $4.8B | $532.7M | ||
| Q1 24 | $4.7B | $515.5M |
总资产ACTOSW
| Q4 25 | $6.9B | $707.1M | ||
| Q3 25 | $6.9B | $732.6M | ||
| Q2 25 | $6.8B | $731.8M | ||
| Q1 25 | $6.7B | $708.7M | ||
| Q4 24 | $6.5B | $746.4M | ||
| Q3 24 | $6.6B | $734.0M | ||
| Q2 24 | $6.3B | $756.8M | ||
| Q1 24 | $6.3B | $763.6M |
负债/权益比ACTOSW
| Q4 25 | 0.14× | 0.15× | ||
| Q3 25 | 0.14× | 0.15× | ||
| Q2 25 | 0.14× | 0.18× | ||
| Q1 25 | 0.15× | 0.18× | ||
| Q4 24 | 0.15× | 0.18× | ||
| Q3 24 | 0.15× | 0.18× | ||
| Q2 24 | 0.15× | 0.23× | ||
| Q1 24 | 0.16× | 0.27× |
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 | $20.0M |
| 自由现金流经营现金流 - 资本支出 | — | $14.9M |
| 自由现金流率自由现金流/营收 | — | 6.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | 1.65× |
| 过去12个月自由现金流最近4个季度 | — | $68.4M |
8季度趋势，按日历期对齐
经营现金流ACTOSW
| Q4 25 | $724.5M | $20.0M | ||
| Q3 25 | $192.0M | $33.2M | ||
| Q2 25 | $119.5M | $20.3M | ||
| Q1 25 | $226.7M | $10.1M | ||
| Q4 24 | $686.3M | $16.6M | ||
| Q3 24 | $188.1M | $28.6M | ||
| Q2 24 | $144.7M | $18.7M | ||
| Q1 24 | $187.3M | $15.0M |
自由现金流ACTOSW
| Q4 25 | — | $14.9M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $17.6M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | — | $27.5M | ||
| Q2 24 | — | $17.6M | ||
| Q1 24 | — | $13.7M |
自由现金流率ACTOSW
| Q4 25 | — | 6.2% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 7.8% | ||
| Q1 24 | — | 6.5% |
资本支出强度ACTOSW
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.6% |
现金转化率ACTOSW
| Q4 25 | — | 1.65× | ||
| Q3 25 | — | 1.36× | ||
| Q2 25 | — | 1.02× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | — | 1.33× | ||
| Q2 24 | — | 1.19× | ||
| Q1 24 | — | 0.71× |
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
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
