vs
Enact Holdings, Inc.（ACT）与TIC Solutions, Inc.（TIC）财务数据对比。点击上方公司名可切换其他公司
TIC Solutions, Inc.的季度营收约是Enact Holdings, Inc.的1.6倍（$508.3M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs -9.3%，领先63.1%）
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。
ACT vs TIC — 直观对比
营收规模更大
TIC
是对方的1.6倍
$312.1M
净利率更高
ACT
高出63.1%
-9.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $508.3M |
| 净利润 | $168.0M | $-47.2M |
| 毛利率 | — | 35.2% |
| 营业利润率 | — | -3.8% |
| 净利率 | 53.8% | -9.3% |
| 营收同比 | 1.7% | — |
| 净利润同比 | 1.2% | — |
| 每股收益（稀释后） | $1.18 | — |
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ACTTIC
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | $508.3M | ||
| Q3 25 | $311.5M | $473.9M | ||
| Q2 25 | $304.9M | $313.9M | ||
| Q1 25 | $306.8M | $234.2M | ||
| Q4 24 | $301.8M | — | ||
| Q3 24 | $309.6M | — | ||
| Q2 24 | $298.8M | — |
净利润ACTTIC
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $-47.2M | ||
| Q3 25 | — | $-13.9M | ||
| Q2 25 | — | $-233.0K | ||
| Q1 25 | — | $-25.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
毛利率ACTTIC
| Q1 26 | — | — | ||
| Q4 25 | — | 35.2% | ||
| Q3 25 | — | 32.2% | ||
| Q2 25 | — | 23.6% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率ACTTIC
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | -3.8% | ||
| Q3 25 | 67.4% | -1.4% | ||
| Q2 25 | 70.4% | 5.8% | ||
| Q1 25 | 68.9% | -4.0% | ||
| Q4 24 | 68.9% | — | ||
| Q3 24 | 74.1% | — | ||
| Q2 24 | 78.6% | — |
净利率ACTTIC
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | -9.3% | ||
| Q3 25 | — | -2.9% | ||
| Q2 25 | — | -0.1% | ||
| Q1 25 | — | -11.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
每股收益（稀释后）ACTTIC
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | — | ||
| Q3 25 | $1.10 | $-0.08 | ||
| Q2 25 | $1.11 | — | ||
| Q1 25 | $1.08 | — | ||
| Q4 24 | $1.05 | — | ||
| Q3 24 | $1.15 | — | ||
| Q2 24 | $1.16 | — |
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 | $439.5M |
| 总债务越低越好 | $744.9M | $1.6B |
| 股东权益账面价值 | $5.3B | $2.2B |
| 总资产 | $7.0B | $4.4B |
| 负债/权益比越低杠杆越低 | 0.14× | 0.74× |
8季度趋势，按日历期对齐
现金及短期投资ACTTIC
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | $439.5M | ||
| Q3 25 | $545.6M | $164.4M | ||
| Q2 25 | $616.0M | $130.1M | ||
| Q1 25 | $639.0M | $155.7M | ||
| Q4 24 | $602.8M | — | ||
| Q3 24 | $674.9M | — | ||
| Q2 24 | $711.3M | — |
总债务ACTTIC
| Q1 26 | $744.9M | — | ||
| Q4 25 | $744.5M | $1.6B | ||
| Q3 25 | $744.1M | $1.6B | ||
| Q2 25 | $743.8M | $751.3M | ||
| Q1 25 | $743.4M | $752.4M | ||
| Q4 24 | $743.0M | — | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — |
股东权益ACTTIC
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $2.2B | ||
| Q3 25 | $5.3B | $2.0B | ||
| Q2 25 | $5.2B | $1.2B | ||
| Q1 25 | $5.1B | $1.1B | ||
| Q4 24 | $5.0B | — | ||
| Q3 24 | $5.0B | — | ||
| Q2 24 | $4.8B | — |
总资产ACTTIC
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | $4.4B | ||
| Q3 25 | $6.9B | $4.2B | ||
| Q2 25 | $6.8B | $2.2B | ||
| Q1 25 | $6.7B | $2.2B | ||
| Q4 24 | $6.5B | — | ||
| Q3 24 | $6.6B | — | ||
| Q2 24 | $6.3B | — |
负债/权益比ACTTIC
| Q1 26 | 0.14× | — | ||
| Q4 25 | 0.14× | 0.74× | ||
| Q3 25 | 0.14× | 0.83× | ||
| Q2 25 | 0.14× | 0.64× | ||
| Q1 25 | 0.15× | 0.67× | ||
| 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 | — | $49.7M |
| 自由现金流经营现金流 - 资本支出 | — | $37.1M |
| 自由现金流率自由现金流/营收 | — | 7.3% |
| 资本支出强度资本支出/营收 | — | 2.5% |
| 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 | — | $61.3M |
8季度趋势，按日历期对齐
经营现金流ACTTIC
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $49.7M | ||
| Q3 25 | $192.0M | $19.0M | ||
| Q2 25 | $119.5M | $-6.5M | ||
| Q1 25 | $226.7M | $32.8M | ||
| Q4 24 | $686.3M | — | ||
| Q3 24 | $188.1M | — | ||
| Q2 24 | $144.7M | — |
自由现金流ACTTIC
| Q1 26 | — | — | ||
| Q4 25 | — | $37.1M | ||
| Q3 25 | — | $10.3M | ||
| Q2 25 | — | $-14.5M | ||
| Q1 25 | — | $28.3M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率ACTTIC
| Q1 26 | — | — | ||
| Q4 25 | — | 7.3% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | -4.6% | ||
| Q1 25 | — | 12.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度ACTTIC
| Q1 26 | — | — | ||
| Q4 25 | — | 2.5% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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
| Premiums | $242.8M | 78% |
| Other | $69.2M | 22% |
TIC
| Consulting Engineering Segment | $300.1M | 59% |
| Geospatial Segment | $131.3M | 26% |
| Fixed Unit Price Contracts | $54.3M | 11% |
| Other | $22.6M | 4% |
