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Enact Holdings, Inc.（ACT）与优利系统（UIS）财务数据对比。点击上方公司名可切换其他公司
优利系统的季度营收约是Enact Holdings, Inc.的1.8倍（$574.5M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs 3.3%，领先50.6%），优利系统同比增速更快（5.3% vs 1.7%），过去两年优利系统的营收复合增速更高（8.5% 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。
Unisys Corporation（优利系统）是一家成立于1986年的科技企业，总部位于美国宾夕法尼亚州蓝铃，主要为客户提供云计算、人工智能、数字化办公场域、物流以及企业计算相关服务，在全球企业级科技服务领域拥有多年行业经验。
ACT vs UIS — 直观对比
营收规模更大
UIS
是对方的1.8倍
$312.1M
营收增速更快
UIS
高出3.6%
1.7%
净利率更高
ACT
高出50.6%
3.3%
两年增速更快
UIS
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $574.5M |
| 净利润 | $168.0M | $18.7M |
| 毛利率 | — | 33.9% |
| 营业利润率 | — | 13.3% |
| 净利率 | 53.8% | 3.3% |
| 营收同比 | 1.7% | 5.3% |
| 净利润同比 | 1.2% | -37.7% |
| 每股收益（稀释后） | $1.18 | $0.24 |
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ACTUIS
| Q1 26 | $312.1M | — | ||
| Q4 25 | $312.7M | $574.5M | ||
| Q3 25 | $311.5M | $460.2M | ||
| Q2 25 | $304.9M | $483.3M | ||
| Q1 25 | $306.8M | $432.1M | ||
| Q4 24 | $301.8M | $545.4M | ||
| Q3 24 | $309.6M | $497.0M | ||
| Q2 24 | $298.8M | $478.2M |
净利润ACTUIS
| Q1 26 | $168.0M | — | ||
| Q4 25 | — | $18.7M | ||
| Q3 25 | — | $-308.9M | ||
| Q2 25 | — | $-20.1M | ||
| Q1 25 | — | $-29.5M | ||
| Q4 24 | — | $30.0M | ||
| Q3 24 | — | $-61.9M | ||
| Q2 24 | — | $-12.0M |
毛利率ACTUIS
| Q1 26 | — | — | ||
| Q4 25 | — | 33.9% | ||
| Q3 25 | — | 25.5% | ||
| Q2 25 | — | 26.9% | ||
| Q1 25 | — | 24.9% | ||
| Q4 24 | — | 32.1% | ||
| Q3 24 | — | 29.2% | ||
| Q2 24 | — | 27.2% |
营业利润率ACTUIS
| Q1 26 | — | — | ||
| Q4 25 | 71.3% | 13.3% | ||
| Q3 25 | 67.4% | -7.3% | ||
| Q2 25 | 70.4% | 6.3% | ||
| Q1 25 | 68.9% | 1.2% | ||
| Q4 24 | 68.9% | 8.9% | ||
| Q3 24 | 74.1% | 1.5% | ||
| Q2 24 | 78.6% | 4.9% |
净利率ACTUIS
| Q1 26 | 53.8% | — | ||
| Q4 25 | — | 3.3% | ||
| Q3 25 | — | -67.1% | ||
| Q2 25 | — | -4.2% | ||
| Q1 25 | — | -6.8% | ||
| Q4 24 | — | 5.5% | ||
| Q3 24 | — | -12.5% | ||
| Q2 24 | — | -2.5% |
每股收益（稀释后）ACTUIS
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | $0.24 | ||
| Q3 25 | $1.10 | $-4.33 | ||
| Q2 25 | $1.11 | $-0.28 | ||
| Q1 25 | $1.08 | $-0.42 | ||
| Q4 24 | $1.05 | $0.45 | ||
| Q3 24 | $1.15 | $-0.89 | ||
| Q2 24 | $1.16 | $-0.17 |
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 | $413.9M |
| 总债务越低越好 | $744.9M | $729.0M |
| 股东权益账面价值 | $5.3B | $-282.6M |
| 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ACTUIS
| Q1 26 | $549.0M | — | ||
| Q4 25 | $582.5M | $413.9M | ||
| Q3 25 | $545.6M | $321.9M | ||
| Q2 25 | $616.0M | $300.8M | ||
| Q1 25 | $639.0M | $393.1M | ||
| Q4 24 | $602.8M | $376.5M | ||
| Q3 24 | $674.9M | $373.7M | ||
| Q2 24 | $711.3M | $344.9M |
总债务ACTUIS
| Q1 26 | $744.9M | — | ||
| Q4 25 | $744.5M | $729.0M | ||
| Q3 25 | $744.1M | $723.2M | ||
| Q2 25 | $743.8M | $692.7M | ||
| Q1 25 | $743.4M | $488.3M | ||
| Q4 24 | $743.0M | $488.2M | ||
| Q3 24 | $742.7M | $488.5M | ||
| Q2 24 | $742.4M | $489.2M |
股东权益ACTUIS
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $-282.6M | ||
| Q3 25 | $5.3B | $-300.2M | ||
| Q2 25 | $5.2B | $-221.5M | ||
| Q1 25 | $5.1B | $-267.8M | ||
| Q4 24 | $5.0B | $-283.4M | ||
| Q3 24 | $5.0B | $-202.2M | ||
| Q2 24 | $4.8B | $-174.1M |
总资产ACTUIS
| Q1 26 | $7.0B | — | ||
| Q4 25 | $6.9B | $1.8B | ||
| Q3 25 | $6.9B | $1.7B | ||
| Q2 25 | $6.8B | $1.8B | ||
| Q1 25 | $6.7B | $1.8B | ||
| Q4 24 | $6.5B | $1.9B | ||
| Q3 24 | $6.6B | $1.9B | ||
| Q2 24 | $6.3B | $1.9B |
负债/权益比ACTUIS
| 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 | — | $104.9M |
| 自由现金流经营现金流 - 资本支出 | — | $97.3M |
| 自由现金流率自由现金流/营收 | — | 16.9% |
| 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 | — | 5.61× |
| 过去12个月自由现金流最近4个季度 | — | $-170.0M |
8季度趋势，按日历期对齐
经营现金流ACTUIS
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $104.9M | ||
| Q3 25 | $192.0M | $38.0M | ||
| Q2 25 | $119.5M | $-316.2M | ||
| Q1 25 | $226.7M | $33.3M | ||
| Q4 24 | $686.3M | $76.6M | ||
| Q3 24 | $188.1M | $32.0M | ||
| Q2 24 | $144.7M | $2.7M |
自由现金流ACTUIS
| Q1 26 | — | — | ||
| Q4 25 | — | $97.3M | ||
| Q3 25 | — | $32.4M | ||
| Q2 25 | — | $-324.1M | ||
| Q1 25 | — | $24.4M | ||
| Q4 24 | — | $66.5M | ||
| Q3 24 | — | $25.2M | ||
| Q2 24 | — | $-6.0M |
自由现金流率ACTUIS
| Q1 26 | — | — | ||
| Q4 25 | — | 16.9% | ||
| Q3 25 | — | 7.0% | ||
| Q2 25 | — | -67.1% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 12.2% | ||
| Q3 24 | — | 5.1% | ||
| Q2 24 | — | -1.3% |
资本支出强度ACTUIS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.3% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 2.1% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 1.8% |
现金转化率ACTUIS
| Q1 26 | — | — | ||
| Q4 25 | — | 5.61× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.55× | ||
| 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% |
UIS
暂无分部数据
