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Enact Holdings, Inc.（ACT）与UNIVERSAL TECHNICAL INSTITUTE INC（UTI）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UNIVERSAL TECHNICAL INSTITUTE INC的1.4倍（$312.7M vs $220.8M），UNIVERSAL TECHNICAL INSTITUTE INC同比增速更快（9.6% vs 3.6%），过去两年UNIVERSAL TECHNICAL INSTITUTE INC的营收复合增速更高（9.5% vs 3.6%）
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。
环球技术学院（UTI）是美国的营利性私立技术院校集团，1965年由罗伯特·斯威特创立，专注于提供职业技术类教育课程，培养符合产业需求的技能型人才，在美职业教育领域拥有较长的运营历史与行业经验。
ACT vs UTI — 直观对比
营收规模更大
ACT
是对方的1.4倍
$220.8M
营收增速更快
UTI
高出6.0%
3.6%
两年增速更快
UTI
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $220.8M |
| 净利润 | — | $12.8M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 7.1% |
| 净利率 | — | 5.8% |
| 营收同比 | 3.6% | 9.6% |
| 净利润同比 | — | -42.1% |
| 每股收益（稀释后） | $1.23 | $0.23 |
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ACTUTI
| Q4 25 | $312.7M | $220.8M | ||
| Q3 25 | $311.5M | $222.4M | ||
| Q2 25 | $304.9M | $204.3M | ||
| Q1 25 | $306.8M | $207.4M | ||
| Q4 24 | $301.8M | $201.4M | ||
| Q3 24 | $309.6M | $196.4M | ||
| Q2 24 | $298.8M | $177.5M | ||
| Q1 24 | $291.6M | $184.2M |
净利润ACTUTI
| Q4 25 | — | $12.8M | ||
| Q3 25 | — | $18.8M | ||
| Q2 25 | — | $10.7M | ||
| Q1 25 | — | $11.4M | ||
| Q4 24 | — | $22.2M | ||
| Q3 24 | — | $18.8M | ||
| Q2 24 | — | $5.0M | ||
| Q1 24 | — | $7.8M |
营业利润率ACTUTI
| Q4 25 | 71.3% | 7.1% | ||
| Q3 25 | 67.4% | 11.2% | ||
| Q2 25 | 70.4% | 6.9% | ||
| Q1 25 | 68.9% | 8.1% | ||
| Q4 24 | 68.9% | 13.6% | ||
| Q3 24 | 74.1% | 13.3% | ||
| Q2 24 | 78.6% | 4.2% | ||
| Q1 24 | 70.6% | 6.1% |
净利率ACTUTI
| Q4 25 | — | 5.8% | ||
| Q3 25 | — | 8.4% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | 5.5% | ||
| Q4 24 | — | 11.0% | ||
| Q3 24 | — | 9.6% | ||
| Q2 24 | — | 2.8% | ||
| Q1 24 | — | 4.2% |
每股收益（稀释后）ACTUTI
| Q4 25 | $1.23 | $0.23 | ||
| Q3 25 | $1.10 | $0.33 | ||
| Q2 25 | $1.11 | $0.19 | ||
| Q1 25 | $1.08 | $0.21 | ||
| Q4 24 | $1.05 | $0.40 | ||
| Q3 24 | $1.15 | $0.35 | ||
| Q2 24 | $1.16 | $0.09 | ||
| 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 | $162.8M |
| 总债务越低越好 | $744.5M | $101.4M |
| 股东权益账面价值 | $5.4B | $335.9M |
| 总资产 | $6.9B | $834.0M |
| 负债/权益比越低杠杆越低 | 0.14× | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资ACTUTI
| Q4 25 | $582.5M | $162.8M | ||
| Q3 25 | $545.6M | $169.1M | ||
| Q2 25 | $616.0M | $70.7M | ||
| Q1 25 | $639.0M | $96.0M | ||
| Q4 24 | $602.8M | $172.0M | ||
| Q3 24 | $674.9M | $161.9M | ||
| Q2 24 | $711.3M | $115.5M | ||
| Q1 24 | $624.3M | $116.1M |
总债务ACTUTI
| Q4 25 | $744.5M | $101.4M | ||
| Q3 25 | $744.1M | $87.1M | ||
| Q2 25 | $743.8M | $73.8M | ||
| Q1 25 | $743.4M | $94.4M | ||
| Q4 24 | $743.0M | $120.1M | ||
| Q3 24 | $742.7M | $125.7M | ||
| Q2 24 | $742.4M | $137.3M | ||
| Q1 24 | $746.1M | $141.9M |
股东权益ACTUTI
| Q4 25 | $5.4B | $335.9M | ||
| Q3 25 | $5.3B | $328.1M | ||
| Q2 25 | $5.2B | $306.8M | ||
| Q1 25 | $5.1B | $293.9M | ||
| Q4 24 | $5.0B | $280.0M | ||
| Q3 24 | $5.0B | $260.2M | ||
| Q2 24 | $4.8B | $239.4M | ||
| Q1 24 | $4.7B | $232.6M |
总资产ACTUTI
| Q4 25 | $6.9B | $834.0M | ||
| Q3 25 | $6.9B | $826.1M | ||
| Q2 25 | $6.8B | $740.8M | ||
| Q1 25 | $6.7B | $720.4M | ||
| Q4 24 | $6.5B | $753.8M | ||
| Q3 24 | $6.6B | $744.6M | ||
| Q2 24 | $6.3B | $706.0M | ||
| Q1 24 | $6.3B | $702.1M |
负债/权益比ACTUTI
| Q4 25 | 0.14× | 0.30× | ||
| Q3 25 | 0.14× | 0.27× | ||
| Q2 25 | 0.14× | 0.24× | ||
| Q1 25 | 0.15× | 0.32× | ||
| Q4 24 | 0.15× | 0.43× | ||
| Q3 24 | 0.15× | 0.48× | ||
| Q2 24 | 0.15× | 0.57× | ||
| Q1 24 | 0.16× | 0.61× |
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 | $3.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-19.2M |
| 自由现金流率自由现金流/营收 | — | -8.7% |
| 资本支出强度资本支出/营收 | — | 10.1% |
| 现金转化率经营现金流/净利润 | — | 0.24× |
| 过去12个月自由现金流最近4个季度 | — | $16.6M |
8季度趋势，按日历期对齐
经营现金流ACTUTI
| Q4 25 | $724.5M | $3.1M | ||
| Q3 25 | $192.0M | $57.1M | ||
| Q2 25 | $119.5M | $18.1M | ||
| Q1 25 | $226.7M | $-789.0K | ||
| Q4 24 | $686.3M | $23.0M | ||
| Q3 24 | $188.1M | $67.5M | ||
| Q2 24 | $144.7M | $10.0M | ||
| Q1 24 | $187.3M | $-2.5M |
自由现金流ACTUTI
| Q4 25 | — | $-19.2M | ||
| Q3 25 | — | $40.6M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $-11.7M | ||
| Q4 24 | — | $19.6M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $3.0M | ||
| Q1 24 | — | $-8.4M |
自由现金流率ACTUTI
| Q4 25 | — | -8.7% | ||
| Q3 25 | — | 18.3% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | -5.7% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | — | 30.6% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | -4.6% |
资本支出强度ACTUTI
| Q4 25 | — | 10.1% | ||
| Q3 25 | — | 7.4% | ||
| Q2 25 | — | 5.5% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 4.0% | ||
| Q1 24 | — | 3.2% |
现金转化率ACTUTI
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 3.04× | ||
| Q2 25 | — | 1.69× | ||
| Q1 25 | — | -0.07× | ||
| Q4 24 | — | 1.04× | ||
| Q3 24 | — | 3.58× | ||
| Q2 24 | — | 2.01× | ||
| Q1 24 | — | -0.32× |
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
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
