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Enact Holdings, Inc.（ACT）与Penguin Solutions, Inc.（PENG）财务数据对比。点击上方公司名可切换其他公司
Penguin Solutions, Inc.的季度营收约是Enact Holdings, Inc.的1.1倍（$343.1M vs $312.7M），Enact Holdings, Inc.同比增速更快（3.6% vs 0.6%），过去两年Penguin Solutions, Inc.的营收复合增速更高（11.8% 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。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
ACT vs PENG — 直观对比
营收规模更大
PENG
是对方的1.1倍
$312.7M
营收增速更快
ACT
高出3.0%
0.6%
两年增速更快
PENG
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $343.1M |
| 净利润 | — | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 71.3% | 5.7% |
| 净利率 | — | 1.5% |
| 营收同比 | 3.6% | 0.6% |
| 净利润同比 | — | 1.0% |
| 每股收益（稀释后） | $1.23 | $0.04 |
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ACTPENG
| Q4 25 | $312.7M | $343.1M | ||
| Q3 25 | $311.5M | $337.9M | ||
| Q2 25 | $304.9M | $324.3M | ||
| Q1 25 | $306.8M | $365.5M | ||
| Q4 24 | $301.8M | $341.1M | ||
| Q3 24 | $309.6M | $284.8M | ||
| Q2 24 | $298.8M | $300.6M | ||
| Q1 24 | $291.6M | — |
净利润ACTPENG
| Q4 25 | — | $5.3M | ||
| Q3 25 | — | $9.4M | ||
| Q2 25 | — | $2.7M | ||
| Q1 25 | — | $8.1M | ||
| Q4 24 | — | $5.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $5.6M | ||
| Q1 24 | — | — |
毛利率ACTPENG
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% | ||
| Q1 24 | — | — |
营业利润率ACTPENG
| Q4 25 | 71.3% | 5.7% | ||
| Q3 25 | 67.4% | 3.7% | ||
| Q2 25 | 70.4% | 3.0% | ||
| Q1 25 | 68.9% | 5.1% | ||
| Q4 24 | 68.9% | 5.1% | ||
| Q3 24 | 74.1% | -1.2% | ||
| Q2 24 | 78.6% | 3.8% | ||
| Q1 24 | 70.6% | — |
净利率ACTPENG
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 1.9% | ||
| Q1 24 | — | — |
每股收益（稀释后）ACTPENG
| Q4 25 | $1.23 | $0.04 | ||
| Q3 25 | $1.10 | $0.10 | ||
| Q2 25 | $1.11 | $-0.01 | ||
| Q1 25 | $1.08 | $0.09 | ||
| Q4 24 | $1.05 | $0.10 | ||
| Q3 24 | $1.15 | — | ||
| Q2 24 | $1.16 | $0.10 | ||
| Q1 24 | $1.01 | — |
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 | $461.5M |
| 总债务越低越好 | $744.5M | $462.3M |
| 股东权益账面价值 | $5.4B | $389.7M |
| 总资产 | $6.9B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.14× | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资ACTPENG
| Q4 25 | $582.5M | $461.5M | ||
| Q3 25 | $545.6M | $453.8M | ||
| Q2 25 | $616.0M | $735.5M | ||
| Q1 25 | $639.0M | $647.0M | ||
| Q4 24 | $602.8M | $393.7M | ||
| Q3 24 | $674.9M | $389.5M | ||
| Q2 24 | $711.3M | $467.5M | ||
| Q1 24 | $624.3M | — |
总债务ACTPENG
| Q4 25 | $744.5M | $462.3M | ||
| Q3 25 | $744.1M | $461.8M | ||
| Q2 25 | $743.8M | $659.5M | ||
| Q1 25 | $743.4M | $658.8M | ||
| Q4 24 | $743.0M | $658.1M | ||
| Q3 24 | $742.7M | $657.3M | ||
| Q2 24 | $742.4M | $667.0M | ||
| Q1 24 | $746.1M | — |
股东权益ACTPENG
| Q4 25 | $5.4B | $389.7M | ||
| Q3 25 | $5.3B | $394.2M | ||
| Q2 25 | $5.2B | $584.8M | ||
| Q1 25 | $5.1B | $602.5M | ||
| Q4 24 | $5.0B | $400.4M | ||
| Q3 24 | $5.0B | $391.4M | ||
| Q2 24 | $4.8B | $423.4M | ||
| Q1 24 | $4.7B | — |
总资产ACTPENG
| Q4 25 | $6.9B | $1.6B | ||
| Q3 25 | $6.9B | $1.6B | ||
| Q2 25 | $6.8B | $1.8B | ||
| Q1 25 | $6.7B | $1.8B | ||
| Q4 24 | $6.5B | $1.6B | ||
| Q3 24 | $6.6B | $1.5B | ||
| Q2 24 | $6.3B | $1.5B | ||
| Q1 24 | $6.3B | — |
负债/权益比ACTPENG
| Q4 25 | 0.14× | 1.19× | ||
| Q3 25 | 0.14× | 1.17× | ||
| Q2 25 | 0.14× | 1.13× | ||
| Q1 25 | 0.15× | 1.09× | ||
| Q4 24 | 0.15× | 1.64× | ||
| Q3 24 | 0.15× | 1.68× | ||
| Q2 24 | 0.15× | 1.58× | ||
| 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 | $31.1M |
| 自由现金流经营现金流 - 资本支出 | — | $28.2M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | — | 5.89× |
| 过去12个月自由现金流最近4个季度 | — | $116.3M |
8季度趋势，按日历期对齐
经营现金流ACTPENG
| Q4 25 | $724.5M | $31.1M | ||
| Q3 25 | $192.0M | $-70.4M | ||
| Q2 25 | $119.5M | $92.8M | ||
| Q1 25 | $226.7M | $72.9M | ||
| Q4 24 | $686.3M | $13.8M | ||
| Q3 24 | $188.1M | — | ||
| Q2 24 | $144.7M | $57.9M | ||
| Q1 24 | $187.3M | — |
自由现金流ACTPENG
| Q4 25 | — | $28.2M | ||
| Q3 25 | — | $-73.4M | ||
| Q2 25 | — | $90.9M | ||
| Q1 25 | — | $70.5M | ||
| Q4 24 | — | $12.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $48.9M | ||
| Q1 24 | — | — |
自由现金流率ACTPENG
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -21.7% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 16.3% | ||
| Q1 24 | — | — |
资本支出强度ACTPENG
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | — |
现金转化率ACTPENG
| Q4 25 | — | 5.89× | ||
| Q3 25 | — | -7.47× | ||
| Q2 25 | — | 34.88× | ||
| Q1 25 | — | 9.02× | ||
| Q4 24 | — | 2.65× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 10.30× | ||
| Q1 24 | — | — |
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
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
