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Enact Holdings, Inc.（ACT）与EPLUS INC（PLUS）财务数据对比。点击上方公司名可切换其他公司
EPLUS INC的季度营收约是Enact Holdings, Inc.的2.0倍（$614.8M vs $312.7M），EPLUS INC同比增速更快（20.3% vs 3.6%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs 2.3%）
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。
ePlus Inc.是美国的科技咨询解决方案提供商，业务覆盖网络安全、云计算、网络架构、协作办公、人工智能及前沿技术领域，为超5000家客户提供定制化解决方案、专业咨询与托管服务，助力企业实现数字化转型与技术升级。
ACT vs PLUS — 直观对比
营收规模更大
PLUS
是对方的2.0倍
$312.7M
营收增速更快
PLUS
高出16.7%
3.6%
两年增速更快
ACT
近两年复合增速
2.3%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $614.8M |
| 净利润 | — | $35.1M |
| 毛利率 | — | 25.8% |
| 营业利润率 | 71.3% | 7.1% |
| 净利率 | — | 5.7% |
| 营收同比 | 3.6% | 20.3% |
| 净利润同比 | — | 45.2% |
| 每股收益（稀释后） | $1.23 | $1.33 |
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ACTPLUS
| Q4 25 | $312.7M | $614.8M | ||
| Q3 25 | $311.5M | $608.8M | ||
| Q2 25 | $304.9M | $637.3M | ||
| Q1 25 | $306.8M | — | ||
| Q4 24 | $301.8M | $493.2M | ||
| Q3 24 | $309.6M | $493.4M | ||
| Q2 24 | $298.8M | $535.7M | ||
| Q1 24 | $291.6M | — |
净利润ACTPLUS
| Q4 25 | — | $35.1M | ||
| Q3 25 | — | $34.9M | ||
| Q2 25 | — | $37.7M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $24.1M | ||
| Q3 24 | — | $31.3M | ||
| Q2 24 | — | $27.3M | ||
| Q1 24 | — | — |
毛利率ACTPLUS
| Q4 25 | — | 25.8% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | — | 23.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.4% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 23.7% | ||
| Q1 24 | — | — |
营业利润率ACTPLUS
| Q4 25 | 71.3% | 7.1% | ||
| Q3 25 | 67.4% | 8.0% | ||
| Q2 25 | 70.4% | 5.7% | ||
| Q1 25 | 68.9% | — | ||
| Q4 24 | 68.9% | 3.3% | ||
| Q3 24 | 74.1% | 5.5% | ||
| Q2 24 | 78.6% | 5.9% | ||
| Q1 24 | 70.6% | — |
净利率ACTPLUS
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 5.7% | ||
| Q2 25 | — | 5.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.9% | ||
| Q3 24 | — | 6.3% | ||
| Q2 24 | — | 5.1% | ||
| Q1 24 | — | — |
每股收益（稀释后）ACTPLUS
| Q4 25 | $1.23 | $1.33 | ||
| Q3 25 | $1.10 | $1.32 | ||
| Q2 25 | $1.11 | $1.43 | ||
| Q1 25 | $1.08 | — | ||
| Q4 24 | $1.05 | $0.91 | ||
| Q3 24 | $1.15 | $1.17 | ||
| Q2 24 | $1.16 | $1.02 | ||
| 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 | $326.3M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $1.1B |
| 总资产 | $6.9B | $1.8B |
| 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ACTPLUS
| Q4 25 | $582.5M | $326.3M | ||
| Q3 25 | $545.6M | $402.2M | ||
| Q2 25 | $616.0M | $480.2M | ||
| Q1 25 | $639.0M | — | ||
| Q4 24 | $602.8M | $253.1M | ||
| Q3 24 | $674.9M | $187.5M | ||
| Q2 24 | $711.3M | $349.9M | ||
| Q1 24 | $624.3M | — |
总债务ACTPLUS
| 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ACTPLUS
| Q4 25 | $5.4B | $1.1B | ||
| Q3 25 | $5.3B | $1.0B | ||
| Q2 25 | $5.2B | $1.0B | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $5.0B | $962.3M | ||
| Q3 24 | $5.0B | $947.0M | ||
| Q2 24 | $4.8B | $921.9M | ||
| Q1 24 | $4.7B | — |
总资产ACTPLUS
| Q4 25 | $6.9B | $1.8B | ||
| Q3 25 | $6.9B | $1.8B | ||
| Q2 25 | $6.8B | $1.8B | ||
| Q1 25 | $6.7B | — | ||
| Q4 24 | $6.5B | $1.8B | ||
| Q3 24 | $6.6B | $1.7B | ||
| Q2 24 | $6.3B | $1.7B | ||
| Q1 24 | $6.3B | — |
负债/权益比ACTPLUS
| 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 | $-87.4M |
| 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 | — | -2.49× |
| 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ACTPLUS
| Q4 25 | $724.5M | $-87.4M | ||
| Q3 25 | $192.0M | $-34.8M | ||
| Q2 25 | $119.5M | $-99.0M | ||
| Q1 25 | $226.7M | — | ||
| Q4 24 | $686.3M | $65.7M | ||
| Q3 24 | $188.1M | $-21.6M | ||
| Q2 24 | $144.7M | $97.1M | ||
| Q1 24 | $187.3M | — |
现金转化率ACTPLUS
| Q4 25 | — | -2.49× | ||
| Q3 25 | — | -1.00× | ||
| Q2 25 | — | -2.63× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.72× | ||
| Q3 24 | — | -0.69× | ||
| Q2 24 | — | 3.55× | ||
| 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
PLUS
| All Others Customer End Market | $107.0M | 17% |
| Technology Customer End Market | $89.4M | 15% |
| Health Care Customer End Market | $81.5M | 13% |
| Financial Services Customer End Market | $66.1M | 11% |
| Professional Services Reporting Unit | $64.1M | 10% |
| Security | $61.1M | 10% |
| State And Local Government And Educational Institutions | $59.9M | 10% |
| Managed Services Reporting Unit | $48.8M | 8% |
| Other Product | $21.1M | 3% |
| Collaboration | $13.4M | 2% |
