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Enact Holdings, Inc.（ACT）与LiveRamp Holdings, Inc.（RAMP）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LiveRamp Holdings, Inc.的1.5倍（$312.7M vs $212.2M），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 3.6%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% 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。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
ACT vs RAMP — 直观对比
营收规模更大
ACT
是对方的1.5倍
$212.2M
营收增速更快
RAMP
高出5.0%
3.6%
两年增速更快
RAMP
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $212.2M |
| 净利润 | — | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 71.3% | 18.6% |
| 净利率 | — | 18.8% |
| 营收同比 | 3.6% | 8.6% |
| 净利润同比 | — | 255.7% |
| 每股收益（稀释后） | $1.23 | $0.62 |
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ACTRAMP
| Q4 25 | $312.7M | $212.2M | ||
| Q3 25 | $311.5M | $199.8M | ||
| Q2 25 | $304.9M | $194.8M | ||
| Q1 25 | $306.8M | $188.7M | ||
| Q4 24 | $301.8M | $195.4M | ||
| Q3 24 | $309.6M | $185.5M | ||
| Q2 24 | $298.8M | $176.0M | ||
| Q1 24 | $291.6M | $171.9M |
净利润ACTRAMP
| Q4 25 | — | $39.9M | ||
| Q3 25 | — | $27.4M | ||
| Q2 25 | — | $7.7M | ||
| Q1 25 | — | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | — | $1.7M | ||
| Q2 24 | — | $-7.5M | ||
| Q1 24 | — | $-5.4M |
毛利率ACTRAMP
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% | ||
| Q1 24 | — | 72.2% |
营业利润率ACTRAMP
| Q4 25 | 71.3% | 18.6% | ||
| Q3 25 | 67.4% | 10.7% | ||
| Q2 25 | 70.4% | 3.7% | ||
| Q1 25 | 68.9% | -6.1% | ||
| Q4 24 | 68.9% | 7.5% | ||
| Q3 24 | 74.1% | 4.0% | ||
| Q2 24 | 78.6% | -3.0% | ||
| Q1 24 | 70.6% | -8.3% |
净利率ACTRAMP
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 13.7% | ||
| Q2 25 | — | 4.0% | ||
| Q1 25 | — | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | -4.3% | ||
| Q1 24 | — | -3.1% |
每股收益（稀释后）ACTRAMP
| Q4 25 | $1.23 | $0.62 | ||
| Q3 25 | $1.10 | $0.42 | ||
| Q2 25 | $1.11 | $0.12 | ||
| Q1 25 | $1.08 | $-0.10 | ||
| Q4 24 | $1.05 | $0.17 | ||
| Q3 24 | $1.15 | $0.03 | ||
| Q2 24 | $1.16 | $-0.11 | ||
| Q1 24 | $1.01 | $-0.09 |
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 | $403.4M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $962.3M |
| 总资产 | $6.9B | $1.3B |
| 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ACTRAMP
| Q4 25 | $582.5M | $403.4M | ||
| Q3 25 | $545.6M | $376.9M | ||
| Q2 25 | $616.0M | $371.1M | ||
| Q1 25 | $639.0M | $420.8M | ||
| Q4 24 | $602.8M | $384.3M | ||
| Q3 24 | $674.9M | $348.4M | ||
| Q2 24 | $711.3M | $342.7M | ||
| Q1 24 | $624.3M | $368.9M |
总债务ACTRAMP
| 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ACTRAMP
| Q4 25 | $5.4B | $962.3M | ||
| Q3 25 | $5.3B | $943.8M | ||
| Q2 25 | $5.2B | $947.8M | ||
| Q1 25 | $5.1B | $948.9M | ||
| Q4 24 | $5.0B | $957.7M | ||
| Q3 24 | $5.0B | $932.1M | ||
| Q2 24 | $4.8B | $951.9M | ||
| Q1 24 | $4.7B | $949.1M |
总资产ACTRAMP
| Q4 25 | $6.9B | $1.3B | ||
| Q3 25 | $6.9B | $1.2B | ||
| Q2 25 | $6.8B | $1.2B | ||
| Q1 25 | $6.7B | $1.3B | ||
| Q4 24 | $6.5B | $1.3B | ||
| Q3 24 | $6.6B | $1.2B | ||
| Q2 24 | $6.3B | $1.2B | ||
| Q1 24 | $6.3B | $1.2B |
负债/权益比ACTRAMP
| 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 | — |
| 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 | — | 0.1% |
| 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ACTRAMP
| Q4 25 | $724.5M | — | ||
| Q3 25 | $192.0M | $57.4M | ||
| Q2 25 | $119.5M | $-15.8M | ||
| Q1 25 | $226.7M | — | ||
| Q4 24 | $686.3M | $45.1M | ||
| Q3 24 | $188.1M | $55.6M | ||
| Q2 24 | $144.7M | $-9.3M | ||
| Q1 24 | $187.3M | — |
自由现金流ACTRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | $56.8M | ||
| Q2 25 | — | $-16.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $44.8M | ||
| Q3 24 | — | $55.4M | ||
| Q2 24 | — | $-9.6M | ||
| Q1 24 | — | — |
自由现金流率ACTRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | 28.4% | ||
| Q2 25 | — | -8.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | — | 29.8% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | — |
资本支出强度ACTRAMP
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 1.0% |
现金转化率ACTRAMP
| Q4 25 | — | — | ||
| Q3 25 | — | 2.09× | ||
| Q2 25 | — | -2.04× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.02× | ||
| Q3 24 | — | 32.10× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
