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Enact Holdings, Inc.（ACT）与Wheels Up Experience Inc.（UP）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Wheels Up Experience Inc.的1.7倍（$312.7M vs $183.8M），Enact Holdings, Inc.同比增速更快（3.6% vs -10.2%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -3.4%）
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。
Wheels Up是美国领先的按需私人航空服务提供商，也是全球规模最大的私人航空企业之一。公司由肯尼·迪希特创立于2013年，采用会员制按需服务的商业模式，会员可通过移动应用程序，从公司自有机队及第三方运营商处预订私人飞机出行。
ACT vs UP — 直观对比
营收规模更大
ACT
是对方的1.7倍
$183.8M
营收增速更快
ACT
高出13.9%
-10.2%
两年增速更快
ACT
近两年复合增速
-3.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $183.8M |
| 净利润 | — | $-28.9M |
| 毛利率 | — | 14.3% |
| 营业利润率 | 71.3% | -0.9% |
| 净利率 | — | -15.7% |
| 营收同比 | 3.6% | -10.2% |
| 净利润同比 | — | 67.0% |
| 每股收益（稀释后） | $1.23 | $-0.04 |
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ACTUP
| Q4 25 | $312.7M | $183.8M | ||
| Q3 25 | $311.5M | $185.5M | ||
| Q2 25 | $304.9M | $189.6M | ||
| Q1 25 | $306.8M | $177.5M | ||
| Q4 24 | $301.8M | $204.8M | ||
| Q3 24 | $309.6M | $193.9M | ||
| Q2 24 | $298.8M | $196.3M | ||
| Q1 24 | $291.6M | $197.1M |
净利润ACTUP
| Q4 25 | — | $-28.9M | ||
| Q3 25 | — | $-83.7M | ||
| Q2 25 | — | $-82.3M | ||
| Q1 25 | — | $-99.3M | ||
| Q4 24 | — | $-87.5M | ||
| Q3 24 | — | $-57.7M | ||
| Q2 24 | — | $-97.0M | ||
| Q1 24 | — | $-97.4M |
毛利率ACTUP
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | -0.6% |
营业利润率ACTUP
| Q4 25 | 71.3% | -0.9% | ||
| Q3 25 | 67.4% | -33.1% | ||
| Q2 25 | 70.4% | -31.4% | ||
| Q1 25 | 68.9% | -45.5% | ||
| Q4 24 | 68.9% | -26.0% | ||
| Q3 24 | 74.1% | -21.6% | ||
| Q2 24 | 78.6% | -40.3% | ||
| Q1 24 | 70.6% | -42.9% |
净利率ACTUP
| Q4 25 | — | -15.7% | ||
| Q3 25 | — | -45.1% | ||
| Q2 25 | — | -43.4% | ||
| Q1 25 | — | -55.9% | ||
| Q4 24 | — | -42.7% | ||
| Q3 24 | — | -29.8% | ||
| Q2 24 | — | -49.4% | ||
| Q1 24 | — | -49.4% |
每股收益（稀释后）ACTUP
| Q4 25 | $1.23 | $-0.04 | ||
| Q3 25 | $1.10 | $-0.12 | ||
| Q2 25 | $1.11 | $-0.12 | ||
| Q1 25 | $1.08 | $-0.14 | ||
| Q4 24 | $1.05 | $-0.13 | ||
| Q3 24 | $1.15 | $-0.08 | ||
| Q2 24 | $1.16 | $-0.14 | ||
| Q1 24 | $1.01 | $-0.14 |
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 | $133.9M |
| 总债务越低越好 | $744.5M | $671.3M |
| 股东权益账面价值 | $5.4B | $-392.1M |
| 总资产 | $6.9B | $968.8M |
| 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ACTUP
| Q4 25 | $582.5M | $133.9M | ||
| Q3 25 | $545.6M | $125.3M | ||
| Q2 25 | $616.0M | $107.0M | ||
| Q1 25 | $639.0M | $171.8M | ||
| Q4 24 | $602.8M | $216.4M | ||
| Q3 24 | $674.9M | $115.9M | ||
| Q2 24 | $711.3M | $141.5M | ||
| Q1 24 | $624.3M | $180.9M |
总债务ACTUP
| Q4 25 | $744.5M | $671.3M | ||
| Q3 25 | $744.1M | $766.5M | ||
| Q2 25 | $743.8M | $770.5M | ||
| Q1 25 | $743.4M | $765.8M | ||
| Q4 24 | $743.0M | $761.3M | ||
| Q3 24 | $742.7M | $596.9M | ||
| Q2 24 | $742.4M | $597.4M | ||
| Q1 24 | $746.1M | $603.2M |
股东权益ACTUP
| Q4 25 | $5.4B | $-392.1M | ||
| Q3 25 | $5.3B | $-374.5M | ||
| Q2 25 | $5.2B | $-347.8M | ||
| Q1 25 | $5.1B | $-288.1M | ||
| Q4 24 | $5.0B | $-202.1M | ||
| Q3 24 | $5.0B | $-117.7M | ||
| Q2 24 | $4.8B | $-72.2M | ||
| Q1 24 | $4.7B | $936.0K |
总资产ACTUP
| Q4 25 | $6.9B | $968.8M | ||
| Q3 25 | $6.9B | $973.0M | ||
| Q2 25 | $6.8B | $1.0B | ||
| Q1 25 | $6.7B | $1.1B | ||
| Q4 24 | $6.5B | $1.2B | ||
| Q3 24 | $6.6B | $1.0B | ||
| Q2 24 | $6.3B | $1.1B | ||
| Q1 24 | $6.3B | $1.2B |
负债/权益比ACTUP
| 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× | 644.43× |
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 | $-18.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-58.3M |
| 自由现金流率自由现金流/营收 | — | -31.7% |
| 资本支出强度资本支出/营收 | — | 21.7% |
| 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 | — | $-259.9M |
8季度趋势，按日历期对齐
经营现金流ACTUP
| Q4 25 | $724.5M | $-18.4M | ||
| Q3 25 | $192.0M | $-37.1M | ||
| Q2 25 | $119.5M | $-62.9M | ||
| Q1 25 | $226.7M | $-47.9M | ||
| Q4 24 | $686.3M | $37.9M | ||
| Q3 24 | $188.1M | $-16.9M | ||
| Q2 24 | $144.7M | $-25.2M | ||
| Q1 24 | $187.3M | $-73.8M |
自由现金流ACTUP
| Q4 25 | — | $-58.3M | ||
| Q3 25 | — | $-60.4M | ||
| Q2 25 | — | $-78.6M | ||
| Q1 25 | — | $-62.6M | ||
| Q4 24 | — | $-70.2M | ||
| Q3 24 | — | $-21.9M | ||
| Q2 24 | — | $-30.8M | ||
| Q1 24 | — | $-77.8M |
自由现金流率ACTUP
| Q4 25 | — | -31.7% | ||
| Q3 25 | — | -32.6% | ||
| Q2 25 | — | -41.5% | ||
| Q1 25 | — | -35.3% | ||
| Q4 24 | — | -34.3% | ||
| Q3 24 | — | -11.3% | ||
| Q2 24 | — | -15.7% | ||
| Q1 24 | — | -39.5% |
资本支出强度ACTUP
| Q4 25 | — | 21.7% | ||
| Q3 25 | — | 12.5% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 8.3% | ||
| Q4 24 | — | 52.8% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 2.9% | ||
| Q1 24 | — | 2.0% |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
