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Enact Holdings, Inc.（ACT）与SelectQuote, Inc.（SLQT）财务数据对比。点击上方公司名可切换其他公司
SelectQuote, Inc.的季度营收约是Enact Holdings, Inc.的1.7倍（$537.1M vs $312.7M），SelectQuote, Inc.同比增速更快（11.6% vs 3.6%），过去两年SelectQuote, Inc.的营收复合增速更高（19.5% 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。
SelectQuote是面向消费者的直售平台，主营保险产品与医疗服务业务，通过对接消费者与保险机构获取佣金，覆盖长者健康险、人寿险、车险、家财险等品类，医疗服务板块以认证药房SelectRx为核心业务，公司于2020年5月上市。
ACT vs SLQT — 直观对比
营收规模更大
SLQT
是对方的1.7倍
$312.7M
营收增速更快
SLQT
高出8.0%
3.6%
两年增速更快
SLQT
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $537.1M |
| 净利润 | — | $69.3M |
| 毛利率 | — | 61.8% |
| 营业利润率 | 71.3% | 14.0% |
| 净利率 | — | 12.9% |
| 营收同比 | 3.6% | 11.6% |
| 净利润同比 | — | 30.2% |
| 每股收益（稀释后） | $1.23 | $0.26 |
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ACTSLQT
| Q4 25 | $312.7M | $537.1M | ||
| Q3 25 | $311.5M | $328.8M | ||
| Q2 25 | $304.9M | $345.1M | ||
| Q1 25 | $306.8M | $408.2M | ||
| Q4 24 | $301.8M | $481.1M | ||
| Q3 24 | $309.6M | $292.3M | ||
| Q2 24 | $298.8M | $307.2M | ||
| Q1 24 | $291.6M | $376.4M |
净利润ACTSLQT
| Q4 25 | — | $69.3M | ||
| Q3 25 | — | $-30.5M | ||
| Q2 25 | — | $12.9M | ||
| Q1 25 | — | $26.0M | ||
| Q4 24 | — | $53.2M | ||
| Q3 24 | — | $-44.5M | ||
| Q2 24 | — | $-31.0M | ||
| Q1 24 | — | $8.6M |
毛利率ACTSLQT
| Q4 25 | — | 61.8% | ||
| Q3 25 | — | 41.4% | ||
| Q2 25 | — | 47.2% | ||
| Q1 25 | — | 60.2% | ||
| Q4 24 | — | 67.5% | ||
| Q3 24 | — | 55.7% | ||
| Q2 24 | — | 60.7% | ||
| Q1 24 | — | 71.8% |
营业利润率ACTSLQT
| Q4 25 | 71.3% | 14.0% | ||
| Q3 25 | 67.4% | -12.4% | ||
| Q2 25 | 70.4% | -3.6% | ||
| Q1 25 | 68.9% | 5.4% | ||
| Q4 24 | 68.9% | 14.7% | ||
| Q3 24 | 74.1% | -4.1% | ||
| Q2 24 | 78.6% | -0.5% | ||
| Q1 24 | 70.6% | 8.8% |
净利率ACTSLQT
| Q4 25 | — | 12.9% | ||
| Q3 25 | — | -9.3% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 6.4% | ||
| Q4 24 | — | 11.1% | ||
| Q3 24 | — | -15.2% | ||
| Q2 24 | — | -10.1% | ||
| Q1 24 | — | 2.3% |
每股收益（稀释后）ACTSLQT
| Q4 25 | $1.23 | $0.26 | ||
| Q3 25 | $1.10 | $-0.26 | ||
| Q2 25 | $1.11 | $-0.06 | ||
| Q1 25 | $1.08 | $0.03 | ||
| Q4 24 | $1.05 | $0.30 | ||
| Q3 24 | $1.15 | $-0.26 | ||
| Q2 24 | $1.16 | $-0.17 | ||
| Q1 24 | $1.01 | $0.05 |
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 | $18.3M |
| 总债务越低越好 | $744.5M | $405.8M |
| 股东权益账面价值 | $5.4B | $359.7M |
| 总资产 | $6.9B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.14× | 1.13× |
8季度趋势，按日历期对齐
现金及短期投资ACTSLQT
| Q4 25 | $582.5M | $18.3M | ||
| Q3 25 | $545.6M | $10.7M | ||
| Q2 25 | $616.0M | $32.4M | ||
| Q1 25 | $639.0M | $80.1M | ||
| Q4 24 | $602.8M | $7.3M | ||
| Q3 24 | $674.9M | $10.4M | ||
| Q2 24 | $711.3M | $42.7M | ||
| Q1 24 | $624.3M | $37.8M |
总债务ACTSLQT
| Q4 25 | $744.5M | $405.8M | ||
| Q3 25 | $744.1M | $393.1M | ||
| Q2 25 | $743.8M | $385.1M | ||
| Q1 25 | $743.4M | $391.5M | ||
| Q4 24 | $743.0M | $711.9M | ||
| Q3 24 | $742.7M | $680.4M | ||
| Q2 24 | $742.4M | $683.3M | ||
| Q1 24 | $746.1M | $686.0M |
股东权益ACTSLQT
| Q4 25 | $5.4B | $359.7M | ||
| Q3 25 | $5.3B | $305.1M | ||
| Q2 25 | $5.2B | $351.1M | ||
| Q1 25 | $5.1B | $350.2M | ||
| Q4 24 | $5.0B | $326.0M | ||
| Q3 24 | $5.0B | $269.4M | ||
| Q2 24 | $4.8B | $316.8M | ||
| Q1 24 | $4.7B | $346.8M |
总资产ACTSLQT
| Q4 25 | $6.9B | $1.4B | ||
| 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 | $1.1B | ||
| Q2 24 | $6.3B | $1.2B | ||
| Q1 24 | $6.3B | $1.2B |
负债/权益比ACTSLQT
| Q4 25 | 0.14× | 1.13× | ||
| Q3 25 | 0.14× | 1.29× | ||
| Q2 25 | 0.14× | 1.10× | ||
| Q1 25 | 0.15× | 1.12× | ||
| Q4 24 | 0.15× | 2.18× | ||
| Q3 24 | 0.15× | 2.53× | ||
| Q2 24 | 0.15× | 2.16× | ||
| Q1 24 | 0.16× | 1.98× |
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 | $52.0K |
| 自由现金流经营现金流 - 资本支出 | — | $-1.0M |
| 自由现金流率自由现金流/营收 | — | -0.2% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 现金转化率经营现金流/净利润 | — | 0.00× |
| 过去12个月自由现金流最近4个季度 | — | $8.5M |
8季度趋势，按日历期对齐
经营现金流ACTSLQT
| Q4 25 | $724.5M | $52.0K | ||
| Q3 25 | $192.0M | $-21.6M | ||
| Q2 25 | $119.5M | $-37.5M | ||
| Q1 25 | $226.7M | $71.1M | ||
| Q4 24 | $686.3M | $-28.7M | ||
| Q3 24 | $188.1M | $-16.6M | ||
| Q2 24 | $144.7M | $20.0M | ||
| Q1 24 | $187.3M | $44.5M |
自由现金流ACTSLQT
| Q4 25 | — | $-1.0M | ||
| Q3 25 | — | $-22.7M | ||
| Q2 25 | — | $-38.0M | ||
| Q1 25 | — | $70.2M | ||
| Q4 24 | — | $-29.0M | ||
| Q3 24 | — | $-17.1M | ||
| Q2 24 | — | $19.7M | ||
| Q1 24 | — | $43.4M |
自由现金流率ACTSLQT
| Q4 25 | — | -0.2% | ||
| Q3 25 | — | -6.9% | ||
| Q2 25 | — | -11.0% | ||
| Q1 25 | — | 17.2% | ||
| Q4 24 | — | -6.0% | ||
| Q3 24 | — | -5.8% | ||
| Q2 24 | — | 6.4% | ||
| Q1 24 | — | 11.5% |
资本支出强度ACTSLQT
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.3% |
现金转化率ACTSLQT
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -2.91× | ||
| Q1 25 | — | 2.73× | ||
| Q4 24 | — | -0.54× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 5.20× |
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
SLQT
| Healthcare Services Segment | $230.7M | 43% |
| Pharmacy | $227.2M | 42% |
| Other | $30.4M | 6% |
| Final Expense | $20.4M | 4% |
| Term | $18.5M | 3% |
| Other Senior | $6.3M | 1% |
| All Other Revenue | $3.9M | 1% |
