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Enact Holdings, Inc.（ACT）与PROCORE TECHNOLOGIES, INC.（PCOR）财务数据对比。点击上方公司名可切换其他公司
PROCORE TECHNOLOGIES, INC.的季度营收约是Enact Holdings, Inc.的1.1倍（$349.1M vs $312.7M），PROCORE TECHNOLOGIES, INC.同比增速更快（15.6% vs 3.6%），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（13.8% 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。
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
ACT vs PCOR — 直观对比
营收规模更大
PCOR
是对方的1.1倍
$312.7M
营收增速更快
PCOR
高出12.0%
3.6%
两年增速更快
PCOR
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $349.1M |
| 净利润 | — | $-37.6M |
| 毛利率 | — | 80.1% |
| 营业利润率 | 71.3% | -12.3% |
| 净利率 | — | -10.8% |
| 营收同比 | 3.6% | 15.6% |
| 净利润同比 | — | 39.6% |
| 每股收益（稀释后） | $1.23 | $-0.25 |
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ACTPCOR
| Q4 25 | $312.7M | $349.1M | ||
| Q3 25 | $311.5M | $338.9M | ||
| Q2 25 | $304.9M | $323.9M | ||
| Q1 25 | $306.8M | $310.6M | ||
| Q4 24 | $301.8M | $302.0M | ||
| Q3 24 | $309.6M | $295.9M | ||
| Q2 24 | $298.8M | $284.3M | ||
| Q1 24 | $291.6M | $269.4M |
净利润ACTPCOR
| Q4 25 | — | $-37.6M | ||
| Q3 25 | — | $-9.1M | ||
| Q2 25 | — | $-21.1M | ||
| Q1 25 | — | $-33.0M | ||
| Q4 24 | — | $-62.3M | ||
| Q3 24 | — | $-26.4M | ||
| Q2 24 | — | $-6.3M | ||
| Q1 24 | — | $-11.0M |
毛利率ACTPCOR
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% | ||
| Q1 24 | — | 83.0% |
营业利润率ACTPCOR
| Q4 25 | 71.3% | -12.3% | ||
| Q3 25 | 67.4% | -4.4% | ||
| Q2 25 | 70.4% | -9.3% | ||
| Q1 25 | 68.9% | -11.7% | ||
| Q4 24 | 68.9% | -21.9% | ||
| Q3 24 | 74.1% | -12.3% | ||
| Q2 24 | 78.6% | -5.2% | ||
| Q1 24 | 70.6% | -7.0% |
净利率ACTPCOR
| Q4 25 | — | -10.8% | ||
| Q3 25 | — | -2.7% | ||
| Q2 25 | — | -6.5% | ||
| Q1 25 | — | -10.6% | ||
| Q4 24 | — | -20.6% | ||
| Q3 24 | — | -8.9% | ||
| Q2 24 | — | -2.2% | ||
| Q1 24 | — | -4.1% |
每股收益（稀释后）ACTPCOR
| Q4 25 | $1.23 | $-0.25 | ||
| Q3 25 | $1.10 | $-0.06 | ||
| Q2 25 | $1.11 | $-0.14 | ||
| Q1 25 | $1.08 | $-0.22 | ||
| Q4 24 | $1.05 | $-0.42 | ||
| Q3 24 | $1.15 | $-0.18 | ||
| Q2 24 | $1.16 | $-0.04 | ||
| Q1 24 | $1.01 | $-0.08 |
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 | $768.5M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $1.3B |
| 总资产 | $6.9B | $2.2B |
| 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ACTPCOR
| Q4 25 | $582.5M | $768.5M | ||
| Q3 25 | $545.6M | $684.0M | ||
| Q2 25 | $616.0M | $620.9M | ||
| Q1 25 | $639.0M | $566.7M | ||
| Q4 24 | $602.8M | $775.4M | ||
| Q3 24 | $674.9M | $756.9M | ||
| Q2 24 | $711.3M | $735.4M | ||
| Q1 24 | $624.3M | $744.6M |
总债务ACTPCOR
| 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ACTPCOR
| Q4 25 | $5.4B | $1.3B | ||
| Q3 25 | $5.3B | $1.2B | ||
| Q2 25 | $5.2B | $1.2B | ||
| Q1 25 | $5.1B | $1.2B | ||
| Q4 24 | $5.0B | $1.3B | ||
| Q3 24 | $5.0B | $1.3B | ||
| Q2 24 | $4.8B | $1.3B | ||
| Q1 24 | $4.7B | $1.2B |
总资产ACTPCOR
| Q4 25 | $6.9B | $2.2B | ||
| Q3 25 | $6.9B | $2.1B | ||
| Q2 25 | $6.8B | $2.0B | ||
| Q1 25 | $6.7B | $1.9B | ||
| Q4 24 | $6.5B | $2.1B | ||
| Q3 24 | $6.6B | $2.0B | ||
| Q2 24 | $6.3B | $2.0B | ||
| Q1 24 | $6.3B | $1.9B |
负债/权益比ACTPCOR
| 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 | $114.9M |
| 自由现金流经营现金流 - 资本支出 | — | $109.2M |
| 自由现金流率自由现金流/营收 | — | 31.3% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $282.2M |
8季度趋势，按日历期对齐
经营现金流ACTPCOR
| Q4 25 | $724.5M | $114.9M | ||
| Q3 25 | $192.0M | $88.5M | ||
| Q2 25 | $119.5M | $30.8M | ||
| Q1 25 | $226.7M | $66.0M | ||
| Q4 24 | $686.3M | $29.1M | ||
| Q3 24 | $188.1M | $39.3M | ||
| Q2 24 | $144.7M | $58.7M | ||
| Q1 24 | $187.3M | $69.1M |
自由现金流ACTPCOR
| Q4 25 | — | $109.2M | ||
| Q3 25 | — | $83.1M | ||
| Q2 25 | — | $27.9M | ||
| Q1 25 | — | $62.0M | ||
| Q4 24 | — | $17.4M | ||
| Q3 24 | — | $35.7M | ||
| Q2 24 | — | $56.8M | ||
| Q1 24 | — | $67.1M |
自由现金流率ACTPCOR
| Q4 25 | — | 31.3% | ||
| Q3 25 | — | 24.5% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | — | 20.0% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 20.0% | ||
| Q1 24 | — | 24.9% |
资本支出强度ACTPCOR
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 0.8% |
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
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
