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Enact Holdings, Inc.（ACT）与印度钢铁管理局（SAIL）财务数据对比。点击上方公司名可切换其他公司
Enact Holdings, Inc.的季度营收约是印度钢铁管理局的1.1倍（$312.7M vs $281.9M），印度钢铁管理局同比增速更快（6.7% 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。
印度钢铁管理局（SAIL）是总部位于新德里的印度公营钢铁制造企业，属印度最高级别的“马哈拉特纳”中央公共部门企业，是印度最大的国有钢铁生产商，年钢铁产量达1829万吨，1973年1月24日成立，现有员工5.1万余名，由印度钢铁部行政管理。
ACT vs SAIL — 直观对比
营收规模更大
ACT
是对方的1.1倍
$281.9M
营收增速更快
SAIL
高出3.0%
3.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $281.9M |
| 净利润 | — | $-36.0M |
| 毛利率 | — | 66.3% |
| 营业利润率 | 71.3% | -14.8% |
| 净利率 | — | -12.8% |
| 营收同比 | 3.6% | 6.7% |
| 净利润同比 | — | -240.9% |
| 每股收益（稀释后） | $1.23 | $-0.06 |
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ACTSAIL
| Q4 25 | $312.7M | $281.9M | ||
| Q3 25 | $311.5M | $264.4M | ||
| Q2 25 | $304.9M | $230.5M | ||
| Q1 25 | $306.8M | $240.1M | ||
| Q4 24 | $301.8M | — | ||
| Q3 24 | $309.6M | $198.6M | ||
| Q2 24 | $298.8M | $187.7M | ||
| Q1 24 | $291.6M | — |
净利润ACTSAIL
| Q4 25 | — | $-36.0M | ||
| Q3 25 | — | $-10.6M | ||
| Q2 25 | — | $-187.3M | ||
| Q1 25 | — | $-80.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-87.1M | ||
| Q2 24 | — | $-89.2M | ||
| Q1 24 | — | — |
毛利率ACTSAIL
| Q4 25 | — | 66.3% | ||
| Q3 25 | — | 67.3% | ||
| Q2 25 | — | 55.4% | ||
| Q1 25 | — | 66.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 62.1% | ||
| Q2 24 | — | 61.5% | ||
| Q1 24 | — | — |
营业利润率ACTSAIL
| Q4 25 | 71.3% | -14.8% | ||
| Q3 25 | 67.4% | -15.4% | ||
| Q2 25 | 70.4% | -80.3% | ||
| Q1 25 | 68.9% | -12.6% | ||
| Q4 24 | 68.9% | — | ||
| Q3 24 | 74.1% | -33.2% | ||
| Q2 24 | 78.6% | -36.3% | ||
| Q1 24 | 70.6% | — |
净利率ACTSAIL
| Q4 25 | — | -12.8% | ||
| Q3 25 | — | -4.0% | ||
| Q2 25 | — | -81.3% | ||
| Q1 25 | — | -33.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -43.9% | ||
| Q2 24 | — | -47.5% | ||
| Q1 24 | — | — |
每股收益（稀释后）ACTSAIL
| Q4 25 | $1.23 | $-0.06 | ||
| Q3 25 | $1.10 | $-0.02 | ||
| Q2 25 | $1.11 | $-0.42 | ||
| Q1 25 | $1.08 | $-6.50 | ||
| Q4 24 | $1.05 | — | ||
| Q3 24 | $1.15 | $-2.97 | ||
| Q2 24 | $1.16 | $-0.77 | ||
| 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 | $298.1M |
| 总债务越低越好 | $744.5M | $0 |
| 股东权益账面价值 | $5.4B | $6.8B |
| 总资产 | $6.9B | $7.5B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资ACTSAIL
| Q4 25 | $582.5M | $298.1M | ||
| Q3 25 | $545.6M | $271.1M | ||
| Q2 25 | $616.0M | $228.1M | ||
| Q1 25 | $639.0M | $121.3M | ||
| Q4 24 | $602.8M | — | ||
| Q3 24 | $674.9M | $89.7M | ||
| Q2 24 | $711.3M | $146.8M | ||
| Q1 24 | $624.3M | — |
总债务ACTSAIL
| Q4 25 | $744.5M | $0 | ||
| Q3 25 | $744.1M | $0 | ||
| Q2 25 | $743.8M | $0 | ||
| Q1 25 | $743.4M | $1.0B | ||
| Q4 24 | $743.0M | — | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTSAIL
| Q4 25 | $5.4B | $6.8B | ||
| Q3 25 | $5.3B | $6.8B | ||
| Q2 25 | $5.2B | $6.8B | ||
| Q1 25 | $5.1B | $-5.6B | ||
| Q4 24 | $5.0B | — | ||
| Q3 24 | $5.0B | $-701.3M | ||
| Q2 24 | $4.8B | $-622.5M | ||
| Q1 24 | $4.7B | — |
总资产ACTSAIL
| Q4 25 | $6.9B | $7.5B | ||
| Q3 25 | $6.9B | $7.4B | ||
| Q2 25 | $6.8B | $7.4B | ||
| Q1 25 | $6.7B | $7.4B | ||
| Q4 24 | $6.5B | — | ||
| Q3 24 | $6.6B | — | ||
| Q2 24 | $6.3B | — | ||
| Q1 24 | $6.3B | — |
负债/权益比ACTSAIL
| Q4 25 | 0.14× | 0.00× | ||
| Q3 25 | 0.14× | 0.00× | ||
| Q2 25 | 0.14× | 0.00× | ||
| 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 | $53.6M |
| 自由现金流经营现金流 - 资本支出 | — | $52.5M |
| 自由现金流率自由现金流/营收 | — | 18.6% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 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ACTSAIL
| Q4 25 | $724.5M | $53.6M | ||
| Q3 25 | $192.0M | $49.9M | ||
| Q2 25 | $119.5M | $-96.8M | ||
| Q1 25 | $226.7M | — | ||
| Q4 24 | $686.3M | — | ||
| Q3 24 | $188.1M | — | ||
| Q2 24 | $144.7M | $-55.4M | ||
| Q1 24 | $187.3M | — |
自由现金流ACTSAIL
| Q4 25 | — | $52.5M | ||
| Q3 25 | — | $49.0M | ||
| Q2 25 | — | $-99.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-56.0M | ||
| Q1 24 | — | — |
自由现金流率ACTSAIL
| Q4 25 | — | 18.6% | ||
| Q3 25 | — | 18.5% | ||
| Q2 25 | — | -43.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -29.8% | ||
| Q1 24 | — | — |
资本支出强度ACTSAIL
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.3% | ||
| 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
SAIL
| Software As A Service Saa S | $156.0M | 55% |
| Term Subscriptions Services | $65.1M | 23% |
| Maintenance | $38.0M | 13% |
| Other | $15.7M | 6% |
| Other Subscription Services | $7.1M | 3% |
