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Enact Holdings, Inc.（ACT）与天瑞祥控股有限公司（TIRX）财务数据对比。点击上方公司名可切换其他公司
Enact Holdings, Inc.的季度营收约是天瑞祥控股有限公司的155.4倍（$312.7M vs $2.0M）。Enact Holdings, Inc.同比增速更快（3.6% vs -35.8%）
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。
天瑞祥控股有限公司是总部位于中国的保险中介服务提供商，代理销售多家合作保险公司的财险、意外险、寿险等多元保险产品，主要服务中国大陆各区域的个人及企业客户。
ACT vs TIRX — 直观对比
营收规模更大
ACT
是对方的155.4倍
$2.0M
营收增速更快
ACT
高出39.4%
-35.8%
损益表 — Q4 2025 vs Q2 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $2.0M |
| 净利润 | — | $-248.3K |
| 毛利率 | — | 85.6% |
| 营业利润率 | 71.3% | -6.7% |
| 净利率 | — | -12.3% |
| 营收同比 | 3.6% | -35.8% |
| 净利润同比 | — | -159.3% |
| 每股收益（稀释后） | $1.23 | $-0.02 |
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ACTTIRX
| Q4 25 | $312.7M | — | ||
| Q3 25 | $311.5M | — | ||
| Q2 25 | $304.9M | $2.0M | ||
| Q1 25 | $306.8M | — | ||
| Q4 24 | $301.8M | — | ||
| Q3 24 | $309.6M | — | ||
| Q2 24 | $298.8M | $3.1M | ||
| Q1 24 | $291.6M | — |
净利润ACTTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $-248.3K | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $418.9K | ||
| Q1 24 | — | — |
毛利率ACTTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 85.6% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 89.7% | ||
| Q1 24 | — | — |
营业利润率ACTTIRX
| Q4 25 | 71.3% | — | ||
| Q3 25 | 67.4% | — | ||
| Q2 25 | 70.4% | -6.7% | ||
| Q1 25 | 68.9% | — | ||
| Q4 24 | 68.9% | — | ||
| Q3 24 | 74.1% | — | ||
| Q2 24 | 78.6% | 18.6% | ||
| Q1 24 | 70.6% | — |
净利率ACTTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -12.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 13.4% | ||
| Q1 24 | — | — |
每股收益（稀释后）ACTTIRX
| Q4 25 | $1.23 | — | ||
| Q3 25 | $1.10 | — | ||
| Q2 25 | $1.11 | $-0.02 | ||
| Q1 25 | $1.08 | — | ||
| Q4 24 | $1.05 | — | ||
| Q3 24 | $1.15 | — | ||
| Q2 24 | $1.16 | $0.01 | ||
| Q1 24 | $1.01 | — |
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 | $28.0M |
| 总债务越低越好 | $744.5M | $3.5M |
| 股东权益账面价值 | $5.4B | $-16.1M |
| 总资产 | $6.9B | $6.0M |
| 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ACTTIRX
| Q4 25 | $582.5M | — | ||
| Q3 25 | $545.6M | — | ||
| Q2 25 | $616.0M | $28.0M | ||
| Q1 25 | $639.0M | — | ||
| Q4 24 | $602.8M | — | ||
| Q3 24 | $674.9M | — | ||
| Q2 24 | $711.3M | $27.5M | ||
| Q1 24 | $624.3M | — |
总债务ACTTIRX
| Q4 25 | $744.5M | — | ||
| Q3 25 | $744.1M | — | ||
| Q2 25 | $743.8M | $3.5M | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | — | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTTIRX
| Q4 25 | $5.4B | — | ||
| Q3 25 | $5.3B | — | ||
| Q2 25 | $5.2B | $-16.1M | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $5.0B | — | ||
| Q3 24 | $5.0B | — | ||
| Q2 24 | $4.8B | $32.3M | ||
| Q1 24 | $4.7B | — |
总资产ACTTIRX
| Q4 25 | $6.9B | — | ||
| Q3 25 | $6.9B | — | ||
| Q2 25 | $6.8B | $6.0M | ||
| Q1 25 | $6.7B | — | ||
| Q4 24 | $6.5B | — | ||
| Q3 24 | $6.6B | — | ||
| Q2 24 | $6.3B | $38.0M | ||
| Q1 24 | $6.3B | — |
负债/权益比ACTTIRX
| 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 | $186.3M | $263.7K |
| 自由现金流经营现金流 - 资本支出 | — | $263.1K |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流ACTTIRX
| Q4 25 | $186.3M | — | ||
| Q3 25 | $192.0M | — | ||
| Q2 25 | $119.5M | $263.7K | ||
| Q1 25 | $226.7M | — | ||
| Q4 24 | $166.1M | — | ||
| Q3 24 | $188.1M | — | ||
| Q2 24 | $144.7M | $-646.8K | ||
| Q1 24 | $187.3M | — |
自由现金流ACTTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $263.1K | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率ACTTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 13.1% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度ACTTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率ACTTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -1.54× | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
