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Enact Holdings, Inc.（ACT）与UNITIL CORP（UTL）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UNITIL CORP的1.9倍（$312.7M vs $161.5M），UNITIL CORP同比增速更快（26.7% vs 3.6%），过去两年Enact Holdings, Inc.的营收复合增速更高（3.6% vs -4.9%）
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。
Unitil是一家跨州电力与天然气公用事业公司，业务覆盖美国新罕布什尔州、马萨诸塞州与缅因州。公司最早前身是1849年在缅因州成立的波特兰煤气灯公司，现企业主体于1984年设立，总部位于新罕布什尔州。目前公司总市值约6.8651亿美元，为约10.24万电力客户、超7.59万天然气客户提供服务。
ACT vs UTL — 直观对比
营收规模更大
ACT
是对方的1.9倍
$161.5M
营收增速更快
UTL
高出23.0%
3.6%
两年增速更快
ACT
近两年复合增速
-4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $161.5M |
| 净利润 | — | $19.0M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 21.5% |
| 净利率 | — | 11.8% |
| 营收同比 | 3.6% | 26.7% |
| 净利润同比 | — | 21.8% |
| 每股收益（稀释后） | $1.23 | $1.05 |
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ACTUTL
| Q4 25 | $312.7M | $161.5M | ||
| Q3 25 | $311.5M | $101.1M | ||
| Q2 25 | $304.9M | $102.6M | ||
| Q1 25 | $306.8M | $170.8M | ||
| Q4 24 | $301.8M | $127.5M | ||
| Q3 24 | $309.6M | $92.9M | ||
| Q2 24 | $298.8M | $95.7M | ||
| Q1 24 | $291.6M | $178.7M |
净利润ACTUTL
| Q4 25 | — | $19.0M | ||
| Q3 25 | — | $-300.0K | ||
| Q2 25 | — | $4.0M | ||
| Q1 25 | — | $27.5M | ||
| Q4 24 | — | $15.6M | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $4.3M | ||
| Q1 24 | — | $27.2M |
营业利润率ACTUTL
| Q4 25 | 71.3% | 21.5% | ||
| Q3 25 | 67.4% | 6.9% | ||
| Q2 25 | 70.4% | 13.0% | ||
| Q1 25 | 68.9% | 27.0% | ||
| Q4 24 | 68.9% | 22.1% | ||
| Q3 24 | 74.1% | 6.2% | ||
| Q2 24 | 78.6% | 13.0% | ||
| Q1 24 | 70.6% | 24.7% |
净利率ACTUTL
| Q4 25 | — | 11.8% | ||
| Q3 25 | — | -0.3% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 16.1% | ||
| Q4 24 | — | 12.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 4.5% | ||
| Q1 24 | — | 15.2% |
每股收益（稀释后）ACTUTL
| Q4 25 | $1.23 | $1.05 | ||
| Q3 25 | $1.10 | $-0.02 | ||
| Q2 25 | $1.11 | $0.25 | ||
| Q1 25 | $1.08 | $1.69 | ||
| Q4 24 | $1.05 | $0.97 | ||
| Q3 24 | $1.15 | $0.00 | ||
| Q2 24 | $1.16 | $0.27 | ||
| Q1 24 | $1.01 | $1.69 |
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 | $15.6M |
| 总债务越低越好 | $744.5M | $670.5M |
| 股东权益账面价值 | $5.4B | $609.6M |
| 总资产 | $6.9B | $2.1B |
| 负债/权益比越低杠杆越低 | 0.14× | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资ACTUTL
| Q4 25 | $582.5M | $15.6M | ||
| Q3 25 | $545.6M | $14.6M | ||
| Q2 25 | $616.0M | $8.5M | ||
| Q1 25 | $639.0M | $10.2M | ||
| Q4 24 | $602.8M | $6.3M | ||
| Q3 24 | $674.9M | $6.3M | ||
| Q2 24 | $711.3M | $2.8M | ||
| Q1 24 | $624.3M | $6.3M |
总债务ACTUTL
| Q4 25 | $744.5M | $670.5M | ||
| Q3 25 | $744.1M | $670.5M | ||
| Q2 25 | $743.8M | $640.7M | ||
| Q1 25 | $743.4M | $642.1M | ||
| Q4 24 | $743.0M | $643.3M | ||
| Q3 24 | $742.7M | $643.3M | ||
| Q2 24 | $742.4M | $511.3M | ||
| Q1 24 | $746.1M | $512.8M |
股东权益ACTUTL
| Q4 25 | $5.4B | $609.6M | ||
| Q3 25 | $5.3B | $597.2M | ||
| Q2 25 | $5.2B | $532.8M | ||
| Q1 25 | $5.1B | $534.1M | ||
| Q4 24 | $5.0B | $512.5M | ||
| Q3 24 | $5.0B | $502.4M | ||
| Q2 24 | $4.8B | $508.8M | ||
| Q1 24 | $4.7B | $510.8M |
总资产ACTUTL
| Q4 25 | $6.9B | $2.1B | ||
| Q3 25 | $6.9B | $1.9B | ||
| Q2 25 | $6.8B | $1.9B | ||
| Q1 25 | $6.7B | $1.9B | ||
| Q4 24 | $6.5B | $1.8B | ||
| Q3 24 | $6.6B | $1.7B | ||
| Q2 24 | $6.3B | $1.7B | ||
| Q1 24 | $6.3B | $1.7B |
负债/权益比ACTUTL
| Q4 25 | 0.14× | 1.10× | ||
| Q3 25 | 0.14× | 1.12× | ||
| Q2 25 | 0.14× | 1.20× | ||
| Q1 25 | 0.15× | 1.20× | ||
| Q4 24 | 0.15× | 1.26× | ||
| Q3 24 | 0.15× | 1.28× | ||
| Q2 24 | 0.15× | 1.00× | ||
| Q1 24 | 0.16× | 1.00× |
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 | $21.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-36.3M |
| 自由现金流率自由现金流/营收 | — | -22.5% |
| 资本支出强度资本支出/营收 | — | 35.7% |
| 现金转化率经营现金流/净利润 | — | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $-53.8M |
8季度趋势，按日历期对齐
经营现金流ACTUTL
| Q4 25 | $724.5M | $21.4M | ||
| Q3 25 | $192.0M | $15.6M | ||
| Q2 25 | $119.5M | $42.2M | ||
| Q1 25 | $226.7M | $52.1M | ||
| Q4 24 | $686.3M | $23.3M | ||
| Q3 24 | $188.1M | $26.1M | ||
| Q2 24 | $144.7M | $49.9M | ||
| Q1 24 | $187.3M | $26.6M |
自由现金流ACTUTL
| Q4 25 | — | $-36.3M | ||
| Q3 25 | — | $-39.0M | ||
| Q2 25 | — | $2.0M | ||
| Q1 25 | — | $19.5M | ||
| Q4 24 | — | $-32.3M | ||
| Q3 24 | — | $-31.3M | ||
| Q2 24 | — | $13.2M | ||
| Q1 24 | — | $6.4M |
自由现金流率ACTUTL
| Q4 25 | — | -22.5% | ||
| Q3 25 | — | -38.6% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | — | 11.4% | ||
| Q4 24 | — | -25.3% | ||
| Q3 24 | — | -33.7% | ||
| Q2 24 | — | 13.8% | ||
| Q1 24 | — | 3.6% |
资本支出强度ACTUTL
| Q4 25 | — | 35.7% | ||
| Q3 25 | — | 54.0% | ||
| Q2 25 | — | 39.2% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 43.6% | ||
| Q3 24 | — | 61.8% | ||
| Q2 24 | — | 38.3% | ||
| Q1 24 | — | 11.3% |
现金转化率ACTUTL
| Q4 25 | — | 1.13× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 10.55× | ||
| Q1 25 | — | 1.89× | ||
| Q4 24 | — | 1.49× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 11.60× | ||
| Q1 24 | — | 0.98× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
