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Enact Holdings, Inc.（ACT）与Tempus AI, Inc.（TEM）财务数据对比。点击上方公司名可切换其他公司
Tempus AI, Inc.的季度营收约是Enact Holdings, Inc.的1.2倍（$367.2M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs -14.8%，领先68.6%），Tempus AI, Inc.同比增速更快（83.0% vs 1.7%），过去两年Tempus AI, Inc.的营收复合增速更高（58.7% vs 2.2%）
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。
Tempus AI是2015年由埃里克·莱夫科夫斯基在美国伊利诺伊州芝加哥创立的医疗科技企业，创立契机源于其妻子确诊乳腺癌。公司依托数据与人工智能技术，为肿瘤、心脏病、放射医学、抑郁症等领域提供包含诊断在内的精准医疗服务，2024年6月14日于纳斯达克上市，股票代码为TEM。
ACT vs TEM — 直观对比
营收规模更大
TEM
是对方的1.2倍
$312.1M
营收增速更快
TEM
高出81.3%
1.7%
净利率更高
ACT
高出68.6%
-14.8%
两年增速更快
TEM
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $367.2M |
| 净利润 | $168.0M | $-54.2M |
| 毛利率 | — | — |
| 营业利润率 | — | -16.7% |
| 净利率 | 53.8% | -14.8% |
| 营收同比 | 1.7% | 83.0% |
| 净利润同比 | 1.2% | -316.2% |
| 每股收益（稀释后） | $1.18 | $-0.30 |
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ACTTEM
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | $367.2M | ||
| Q3 25 | $311.5M | $334.2M | ||
| Q2 25 | $304.9M | $314.6M | ||
| Q1 25 | $306.8M | $255.7M | ||
| Q4 24 | $301.8M | $200.7M | ||
| Q3 24 | $309.6M | $180.9M | ||
| Q2 24 | $298.8M | $166.0M |
净利润ACTTEM
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $-54.2M | ||
| Q3 25 | — | $-80.0M | ||
| Q2 25 | — | $-42.8M | ||
| Q1 25 | — | $-68.0M | ||
| Q4 24 | — | $-13.0M | ||
| Q3 24 | — | $-75.8M | ||
| Q2 24 | — | $-552.2M |
营业利润率ACTTEM
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | -16.7% | ||
| Q3 25 | 67.4% | -18.3% | ||
| Q2 25 | 70.4% | -19.6% | ||
| Q1 25 | 68.9% | -26.9% | ||
| Q4 24 | 68.9% | -25.3% | ||
| Q3 24 | 74.1% | -29.6% | ||
| Q2 24 | 78.6% | -321.4% |
净利率ACTTEM
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | -14.8% | ||
| Q3 25 | — | -23.9% | ||
| Q2 25 | — | -13.6% | ||
| Q1 25 | — | -26.6% | ||
| Q4 24 | — | -6.5% | ||
| Q3 24 | — | -41.9% | ||
| Q2 24 | — | -332.7% |
每股收益（稀释后）ACTTEM
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | $-0.30 | ||
| Q3 25 | $1.10 | $-0.46 | ||
| Q2 25 | $1.11 | $-0.25 | ||
| Q1 25 | $1.08 | $-0.40 | ||
| Q4 24 | $1.05 | $2.56 | ||
| Q3 24 | $1.15 | $-0.46 | ||
| Q2 24 | $1.16 | $-6.86 |
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 | $604.8M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $491.3M |
| 总资产 | $7.0B | $2.3B |
| 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ACTTEM
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | $604.8M | ||
| Q3 25 | $545.6M | $655.9M | ||
| Q2 25 | $616.0M | $186.3M | ||
| Q1 25 | $639.0M | $151.6M | ||
| Q4 24 | $602.8M | $341.0M | ||
| Q3 24 | $674.9M | $388.0M | ||
| Q2 24 | $711.3M | $478.8M |
总债务ACTTEM
| 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ACTTEM
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $491.3M | ||
| Q3 25 | $5.3B | $507.8M | ||
| Q2 25 | $5.2B | $309.6M | ||
| Q1 25 | $5.1B | $326.2M | ||
| Q4 24 | $5.0B | $56.3M | ||
| Q3 24 | $5.0B | $53.7M | ||
| Q2 24 | $4.8B | $98.3M |
总资产ACTTEM
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | $2.3B | ||
| Q3 25 | $6.9B | $2.3B | ||
| Q2 25 | $6.8B | $1.6B | ||
| Q1 25 | $6.7B | $1.5B | ||
| Q4 24 | $6.5B | $926.1M | ||
| Q3 24 | $6.6B | $971.7M | ||
| Q2 24 | $6.3B | $864.6M |
负债/权益比ACTTEM
| 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 | — | $-36.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-41.5M |
| 自由现金流率自由现金流/营收 | — | -11.3% |
| 资本支出强度资本支出/营收 | — | 1.3% |
| 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 | — | $-239.1M |
8季度趋势，按日历期对齐
经营现金流ACTTEM
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $-36.8M | ||
| Q3 25 | $192.0M | $-119.8M | ||
| Q2 25 | $119.5M | $44.2M | ||
| Q1 25 | $226.7M | $-105.6M | ||
| Q4 24 | $686.3M | — | ||
| Q3 24 | $188.1M | $48.7M | ||
| Q2 24 | $144.7M | $-97.1M |
自由现金流ACTTEM
| Q1 26 | — | — | ||
| Q4 25 | — | $-41.5M | ||
| Q3 25 | — | $-126.5M | ||
| Q2 25 | — | $36.6M | ||
| Q1 25 | — | $-107.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $48.6M | ||
| Q2 24 | — | $-105.1M |
自由现金流率ACTTEM
| Q1 26 | — | — | ||
| Q4 25 | — | -11.3% | ||
| Q3 25 | — | -37.9% | ||
| Q2 25 | — | 11.6% | ||
| Q1 25 | — | -42.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | -63.3% |
资本支出强度ACTTEM
| Q1 26 | — | — | ||
| Q4 25 | — | 1.3% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 4.8% |
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% |
TEM
暂无分部数据
