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Enact Holdings, Inc.（ACT）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是Enact Holdings, Inc.的1.1倍（$342.1M vs $312.7M），Stitch Fix, Inc.同比增速更快（7.3% vs 3.6%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
ACT vs SFIX — 直观对比
营收规模更大
SFIX
是对方的1.1倍
$312.7M
营收增速更快
SFIX
高出3.7%
3.6%
两年增速更快
ACT
近两年复合增速
1.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $342.1M |
| 净利润 | — | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | 71.3% | -2.5% |
| 净利率 | — | -1.9% |
| 营收同比 | 3.6% | 7.3% |
| 净利润同比 | — | -1.7% |
| 每股收益（稀释后） | $1.23 | $-0.05 |
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ACTSFIX
| Q4 25 | $312.7M | $342.1M | ||
| Q3 25 | $311.5M | $311.2M | ||
| Q2 25 | $304.9M | $325.0M | ||
| Q1 25 | $306.8M | $312.1M | ||
| Q4 24 | $301.8M | $318.8M | ||
| Q3 24 | $309.6M | $319.6M | ||
| Q2 24 | $298.8M | $322.7M | ||
| Q1 24 | $291.6M | $330.4M |
净利润ACTSFIX
| Q4 25 | — | $-6.4M | ||
| Q3 25 | — | $-8.6M | ||
| Q2 25 | — | $-7.4M | ||
| Q1 25 | — | $-6.5M | ||
| Q4 24 | — | $-6.3M | ||
| Q3 24 | — | $-36.5M | ||
| Q2 24 | — | $-21.3M | ||
| Q1 24 | — | $-35.5M |
毛利率ACTSFIX
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 43.4% |
营业利润率ACTSFIX
| Q4 25 | 71.3% | -2.5% | ||
| Q3 25 | 67.4% | -3.6% | ||
| Q2 25 | 70.4% | -3.0% | ||
| Q1 25 | 68.9% | -2.9% | ||
| Q4 24 | 68.9% | -2.8% | ||
| Q3 24 | 74.1% | -13.1% | ||
| Q2 24 | 78.6% | -7.7% | ||
| Q1 24 | 70.6% | -11.5% |
净利率ACTSFIX
| Q4 25 | — | -1.9% | ||
| Q3 25 | — | -2.8% | ||
| Q2 25 | — | -2.3% | ||
| Q1 25 | — | -2.1% | ||
| Q4 24 | — | -2.0% | ||
| Q3 24 | — | -11.4% | ||
| Q2 24 | — | -6.6% | ||
| Q1 24 | — | -10.8% |
每股收益（稀释后）ACTSFIX
| Q4 25 | $1.23 | $-0.05 | ||
| Q3 25 | $1.10 | $-0.06 | ||
| Q2 25 | $1.11 | $-0.06 | ||
| Q1 25 | $1.08 | $-0.05 | ||
| Q4 24 | $1.05 | $-0.05 | ||
| Q3 24 | $1.15 | $-0.29 | ||
| Q2 24 | $1.16 | $-0.18 | ||
| Q1 24 | $1.01 | $-0.30 |
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 | $244.2M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $204.1M |
| 总资产 | $6.9B | $530.7M |
| 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ACTSFIX
| Q4 25 | $582.5M | $244.2M | ||
| Q3 25 | $545.6M | $234.9M | ||
| Q2 25 | $616.0M | $234.2M | ||
| Q1 25 | $639.0M | $219.1M | ||
| Q4 24 | $602.8M | $253.3M | ||
| Q3 24 | $674.9M | $247.0M | ||
| Q2 24 | $711.3M | $244.5M | ||
| Q1 24 | $624.3M | $229.8M |
总债务ACTSFIX
| 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ACTSFIX
| Q4 25 | $5.4B | $204.1M | ||
| Q3 25 | $5.3B | $203.0M | ||
| Q2 25 | $5.2B | $200.4M | ||
| Q1 25 | $5.1B | $197.8M | ||
| Q4 24 | $5.0B | $190.5M | ||
| Q3 24 | $5.0B | $187.0M | ||
| Q2 24 | $4.8B | $208.9M | ||
| Q1 24 | $4.7B | $213.3M |
总资产ACTSFIX
| Q4 25 | $6.9B | $530.7M | ||
| Q3 25 | $6.9B | $480.6M | ||
| Q2 25 | $6.8B | $484.7M | ||
| Q1 25 | $6.7B | $472.6M | ||
| Q4 24 | $6.5B | $507.1M | ||
| Q3 24 | $6.6B | $486.9M | ||
| Q2 24 | $6.3B | $537.0M | ||
| Q1 24 | $6.3B | $538.3M |
负债/权益比ACTSFIX
| 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 | $10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $5.6M |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 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 | — | $4.9M |
8季度趋势，按日历期对齐
经营现金流ACTSFIX
| Q4 25 | $724.5M | $10.9M | ||
| Q3 25 | $192.0M | $7.0M | ||
| Q2 25 | $119.5M | $20.5M | ||
| Q1 25 | $226.7M | $-16.2M | ||
| Q4 24 | $686.3M | $14.3M | ||
| Q3 24 | $188.1M | $8.2M | ||
| Q2 24 | $144.7M | $21.7M | ||
| Q1 24 | $187.3M | $-22.3M |
自由现金流ACTSFIX
| Q4 25 | — | $5.6M | ||
| Q3 25 | — | $2.8M | ||
| Q2 25 | — | $16.0M | ||
| Q1 25 | — | $-19.4M | ||
| Q4 24 | — | $9.9M | ||
| Q3 24 | — | $4.5M | ||
| Q2 24 | — | $18.9M | ||
| Q1 24 | — | $-26.1M |
自由现金流率ACTSFIX
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 4.9% | ||
| Q1 25 | — | -6.2% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 5.9% | ||
| Q1 24 | — | -7.9% |
资本支出强度ACTSFIX
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 1.1% |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
