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Enact Holdings, Inc.（ACT）与TTEC Holdings, Inc.（TTEC）财务数据对比。点击上方公司名可切换其他公司
TTEC Holdings, Inc.的季度营收约是Enact Holdings, Inc.的1.8倍（$570.0M vs $312.7M），Enact Holdings, Inc.同比增速更快（3.6% vs 0.4%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -0.6%）
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。
TTEC Holdings, Inc.是一家提供客户体验技术与服务的美国企业，总部运营中心位于得克萨斯州奥斯汀，专注为各行业客户打造全链路客户体验解决方案，凭借专业技术与服务能力深耕全球客户体验服务领域多年。
ACT vs TTEC — 直观对比
营收规模更大
TTEC
是对方的1.8倍
$312.7M
营收增速更快
ACT
高出3.2%
0.4%
两年增速更快
ACT
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $570.0M |
| 净利润 | — | $-170.5M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | -30.3% |
| 净利率 | — | -29.9% |
| 营收同比 | 3.6% | 0.4% |
| 净利润同比 | — | -3791.9% |
| 每股收益（稀释后） | $1.23 | $-3.57 |
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ACTTTEC
| Q4 25 | $312.7M | $570.0M | ||
| Q3 25 | $311.5M | $519.1M | ||
| Q2 25 | $304.9M | $513.6M | ||
| Q1 25 | $306.8M | $534.2M | ||
| Q4 24 | $301.8M | $567.4M | ||
| Q3 24 | $309.6M | $529.4M | ||
| Q2 24 | $298.8M | $534.1M | ||
| Q1 24 | $291.6M | $576.6M |
净利润ACTTTEC
| Q4 25 | — | $-170.5M | ||
| Q3 25 | — | $-13.4M | ||
| Q2 25 | — | $-8.0M | ||
| Q1 25 | — | $1.4M | ||
| Q4 24 | — | $4.6M | ||
| Q3 24 | — | $-21.1M | ||
| Q2 24 | — | $-299.5M | ||
| Q1 24 | — | $-2.3M |
营业利润率ACTTTEC
| Q4 25 | 71.3% | -30.3% | ||
| Q3 25 | 67.4% | 2.4% | ||
| Q2 25 | 70.4% | 3.7% | ||
| Q1 25 | 68.9% | 4.5% | ||
| Q4 24 | 68.9% | 2.7% | ||
| Q3 24 | 74.1% | 2.4% | ||
| Q2 24 | 78.6% | -42.0% | ||
| Q1 24 | 70.6% | 3.9% |
净利率ACTTTEC
| Q4 25 | — | -29.9% | ||
| Q3 25 | — | -2.6% | ||
| Q2 25 | — | -1.6% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.8% | ||
| Q3 24 | — | -4.0% | ||
| Q2 24 | — | -56.1% | ||
| Q1 24 | — | -0.4% |
每股收益（稀释后）ACTTTEC
| Q4 25 | $1.23 | $-3.57 | ||
| Q3 25 | $1.10 | $-0.28 | ||
| Q2 25 | $1.11 | $-0.17 | ||
| Q1 25 | $1.08 | $0.03 | ||
| Q4 24 | $1.05 | $0.05 | ||
| Q3 24 | $1.15 | $-0.44 | ||
| Q2 24 | $1.16 | $-6.30 | ||
| 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 | $82.9M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $112.9M |
| 总资产 | $6.9B | $1.5B |
| 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ACTTTEC
| Q4 25 | $582.5M | $82.9M | ||
| Q3 25 | $545.6M | $73.5M | ||
| Q2 25 | $616.0M | $82.6M | ||
| Q1 25 | $639.0M | $85.1M | ||
| Q4 24 | $602.8M | $85.0M | ||
| Q3 24 | $674.9M | $96.9M | ||
| Q2 24 | $711.3M | $79.8M | ||
| Q1 24 | $624.3M | $91.5M |
总债务ACTTTEC
| 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 | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTTTEC
| Q4 25 | $5.4B | $112.9M | ||
| Q3 25 | $5.3B | $280.8M | ||
| Q2 25 | $5.2B | $295.2M | ||
| Q1 25 | $5.1B | $281.5M | ||
| Q4 24 | $5.0B | $268.1M | ||
| Q3 24 | $5.0B | $295.1M | ||
| Q2 24 | $4.8B | $304.2M | ||
| Q1 24 | $4.7B | $612.4M |
总资产ACTTTEC
| Q4 25 | $6.9B | $1.5B | ||
| Q3 25 | $6.9B | $1.7B | ||
| Q2 25 | $6.8B | $1.7B | ||
| Q1 25 | $6.7B | $1.7B | ||
| Q4 24 | $6.5B | $1.8B | ||
| Q3 24 | $6.6B | $1.8B | ||
| Q2 24 | $6.3B | $1.8B | ||
| Q1 24 | $6.3B | $2.1B |
负债/权益比ACTTTEC
| 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 | $724.5M | $2.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-9.2M |
| 自由现金流率自由现金流/营收 | — | -1.6% |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $83.0M |
8季度趋势，按日历期对齐
经营现金流ACTTTEC
| Q4 25 | $724.5M | $2.6M | ||
| Q3 25 | $192.0M | $4.2M | ||
| Q2 25 | $119.5M | $92.7M | ||
| Q1 25 | $226.7M | $21.6M | ||
| Q4 24 | $686.3M | $-1.1M | ||
| Q3 24 | $188.1M | $-91.4M | ||
| Q2 24 | $144.7M | $49.3M | ||
| Q1 24 | $187.3M | $-15.6M |
自由现金流ACTTTEC
| Q4 25 | — | $-9.2M | ||
| Q3 25 | — | $-9.6M | ||
| Q2 25 | — | $85.5M | ||
| Q1 25 | — | $16.2M | ||
| Q4 24 | — | $-9.8M | ||
| Q3 24 | — | $-100.2M | ||
| Q2 24 | — | $35.1M | ||
| Q1 24 | — | $-29.1M |
自由现金流率ACTTTEC
| Q4 25 | — | -1.6% | ||
| Q3 25 | — | -1.8% | ||
| Q2 25 | — | 16.7% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | -1.7% | ||
| Q3 24 | — | -18.9% | ||
| Q2 24 | — | 6.6% | ||
| Q1 24 | — | -5.0% |
资本支出强度ACTTTEC
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 2.7% | ||
| Q1 24 | — | 2.3% |
现金转化率ACTTTEC
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 15.60× | ||
| Q4 24 | — | -0.24× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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
暂无分部数据
TTEC
| Ttec Engage | $444.5M | 78% |
| Ttec Digital | $125.5M | 22% |
