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Enact Holdings, Inc.（ACT）与TERADATA CORP（TDC）财务数据对比。点击上方公司名可切换其他公司
TERADATA CORP的季度营收约是Enact Holdings, Inc.的1.3倍（$421.0M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs 8.8%，领先45.0%），TERADATA CORP同比增速更快（2.9% vs 1.7%），过去两年Enact Holdings, Inc.的营收复合增速更高（2.2% vs -4.8%）
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。
Teradata是全球知名的企业级软件与数据分析服务商，提供云原生数据平台、高级分析工具及专业咨询服务，服务金融、零售、电信、医疗等行业的大型企业客户，助力客户整合海量数据，实现数据驱动的业务决策。
ACT vs TDC — 直观对比
营收规模更大
TDC
是对方的1.3倍
$312.1M
营收增速更快
TDC
高出1.2%
1.7%
净利率更高
ACT
高出45.0%
8.8%
两年增速更快
ACT
近两年复合增速
-4.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $421.0M |
| 净利润 | $168.0M | $37.0M |
| 毛利率 | — | 60.8% |
| 营业利润率 | — | 12.8% |
| 净利率 | 53.8% | 8.8% |
| 营收同比 | 1.7% | 2.9% |
| 净利润同比 | 1.2% | 48.0% |
| 每股收益（稀释后） | $1.18 | $0.39 |
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ACTTDC
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | $421.0M | ||
| Q3 25 | $311.5M | $416.0M | ||
| Q2 25 | $304.9M | $408.0M | ||
| Q1 25 | $306.8M | $418.0M | ||
| Q4 24 | $301.8M | $409.0M | ||
| Q3 24 | $309.6M | $440.0M | ||
| Q2 24 | $298.8M | $436.0M |
净利润ACTTDC
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $37.0M | ||
| Q3 25 | — | $40.0M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $44.0M | ||
| Q4 24 | — | $25.0M | ||
| Q3 24 | — | $32.0M | ||
| Q2 24 | — | $37.0M |
毛利率ACTTDC
| Q1 26 | — | — | ||
| Q4 25 | — | 60.8% | ||
| Q3 25 | — | 60.8% | ||
| Q2 25 | — | 56.4% | ||
| Q1 25 | — | 59.3% | ||
| Q4 24 | — | 59.4% | ||
| Q3 24 | — | 60.5% | ||
| Q2 24 | — | 60.8% |
营业利润率ACTTDC
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | 12.8% | ||
| Q3 25 | 67.4% | 14.7% | ||
| Q2 25 | 70.4% | 5.9% | ||
| Q1 25 | 68.9% | 15.8% | ||
| Q4 24 | 68.9% | 9.5% | ||
| Q3 24 | 74.1% | 12.7% | ||
| Q2 24 | 78.6% | 15.1% |
净利率ACTTDC
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | 8.8% | ||
| Q3 25 | — | 9.6% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 10.5% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 8.5% |
每股收益（稀释后）ACTTDC
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | $0.39 | ||
| Q3 25 | $1.10 | $0.42 | ||
| Q2 25 | $1.11 | $0.09 | ||
| Q1 25 | $1.08 | $0.45 | ||
| Q4 24 | $1.05 | $0.25 | ||
| Q3 24 | $1.15 | $0.33 | ||
| Q2 24 | $1.16 | $0.38 |
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 | $549.0M | $493.0M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $230.0M |
| 总资产 | $7.0B | $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ACTTDC
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | $493.0M | ||
| Q3 25 | $545.6M | $406.0M | ||
| Q2 25 | $616.0M | $369.0M | ||
| Q1 25 | $639.0M | $368.0M | ||
| Q4 24 | $602.8M | $420.0M | ||
| Q3 24 | $674.9M | $348.0M | ||
| Q2 24 | $711.3M | $301.0M |
总债务ACTTDC
| Q1 26 | $744.9M | — | ||
| 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 | — |
股东权益ACTTDC
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $230.0M | ||
| Q3 25 | $5.3B | $219.0M | ||
| Q2 25 | $5.2B | $176.0M | ||
| Q1 25 | $5.1B | $158.0M | ||
| Q4 24 | $5.0B | $133.0M | ||
| Q3 24 | $5.0B | $125.0M | ||
| Q2 24 | $4.8B | $75.0M |
总资产ACTTDC
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | $1.8B | ||
| Q3 25 | $6.9B | $1.8B | ||
| Q2 25 | $6.8B | $1.7B | ||
| Q1 25 | $6.7B | $1.8B | ||
| Q4 24 | $6.5B | $1.7B | ||
| Q3 24 | $6.6B | $1.7B | ||
| Q2 24 | $6.3B | $1.6B |
负债/权益比ACTTDC
| Q1 26 | 0.14× | — | ||
| 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× | — |
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 | — | $160.0M |
| 自由现金流经营现金流 - 资本支出 | — | $151.0M |
| 自由现金流率自由现金流/营收 | — | 35.9% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | 4.32× |
| 过去12个月自由现金流最近4个季度 | — | $286.0M |
8季度趋势，按日历期对齐
经营现金流ACTTDC
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $160.0M | ||
| Q3 25 | $192.0M | $94.0M | ||
| Q2 25 | $119.5M | $43.0M | ||
| Q1 25 | $226.7M | $8.0M | ||
| Q4 24 | $686.3M | $156.0M | ||
| Q3 24 | $188.1M | $77.0M | ||
| Q2 24 | $144.7M | $43.0M |
自由现金流ACTTDC
| Q1 26 | — | — | ||
| Q4 25 | — | $151.0M | ||
| Q3 25 | — | $89.0M | ||
| Q2 25 | — | $39.0M | ||
| Q1 25 | — | $7.0M | ||
| Q4 24 | — | $149.0M | ||
| Q3 24 | — | $69.0M | ||
| Q2 24 | — | $40.0M |
自由现金流率ACTTDC
| Q1 26 | — | — | ||
| Q4 25 | — | 35.9% | ||
| Q3 25 | — | 21.4% | ||
| Q2 25 | — | 9.6% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 36.4% | ||
| Q3 24 | — | 15.7% | ||
| Q2 24 | — | 9.2% |
资本支出强度ACTTDC
| Q1 26 | — | — | ||
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 0.7% |
现金转化率ACTTDC
| Q1 26 | — | — | ||
| Q4 25 | — | 4.32× | ||
| Q3 25 | — | 2.35× | ||
| Q2 25 | — | 4.78× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 6.24× | ||
| Q3 24 | — | 2.41× | ||
| Q2 24 | — | 1.16× |
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
| Premiums | $242.8M | 78% |
| Other | $69.2M | 22% |
TDC
| Services And Other Recurring | $302.0M | 72% |
| Subscription Software License Recurring | $65.0M | 15% |
| Consulting Services Segment | $53.0M | 13% |
| Software And Hardware Perpetual | $1.0M | 0% |
