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Enact Holdings, Inc.（ACT）与VERRA MOBILITY Corp（VRRM）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VERRA MOBILITY Corp的1.2倍（$312.7M vs $257.9M），VERRA MOBILITY Corp同比增速更快（16.4% vs 3.6%），过去两年VERRA MOBILITY Corp的营收复合增速更高（10.9% 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。
Verra Mobility Corp是全球领先的智慧出行技术解决方案提供商，业务涵盖收费管理、停车与交通合规执法、车联网服务及车队管理工具，服务对象包括政府交通部门、租车运营商、商业车队所有者及汽车行业合作伙伴，覆盖北美、欧洲及亚太市场。
ACT vs VRRM — 直观对比
营收规模更大
ACT
是对方的1.2倍
$257.9M
营收增速更快
VRRM
高出12.8%
3.6%
两年增速更快
VRRM
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $257.9M |
| 净利润 | — | $18.9M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 16.7% |
| 净利率 | — | 7.3% |
| 营收同比 | 3.6% | 16.4% |
| 净利润同比 | — | 128.3% |
| 每股收益（稀释后） | $1.23 | $0.12 |
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ACTVRRM
| Q4 25 | $312.7M | $257.9M | ||
| Q3 25 | $311.5M | $261.9M | ||
| Q2 25 | $304.9M | $236.0M | ||
| Q1 25 | $306.8M | $223.3M | ||
| Q4 24 | $301.8M | $221.5M | ||
| Q3 24 | $309.6M | $225.6M | ||
| Q2 24 | $298.8M | $222.4M | ||
| Q1 24 | $291.6M | $209.7M |
净利润ACTVRRM
| Q4 25 | — | $18.9M | ||
| Q3 25 | — | $46.8M | ||
| Q2 25 | — | $38.6M | ||
| Q1 25 | — | $32.3M | ||
| Q4 24 | — | $-66.7M | ||
| Q3 24 | — | $34.7M | ||
| Q2 24 | — | $34.2M | ||
| Q1 24 | — | $29.1M |
营业利润率ACTVRRM
| Q4 25 | 71.3% | 16.7% | ||
| Q3 25 | 67.4% | 28.6% | ||
| Q2 25 | 70.4% | 26.8% | ||
| Q1 25 | 68.9% | 25.7% | ||
| Q4 24 | 68.9% | -19.6% | ||
| Q3 24 | 74.1% | 28.3% | ||
| Q2 24 | 78.6% | 27.5% | ||
| Q1 24 | 70.6% | 25.9% |
净利率ACTVRRM
| Q4 25 | — | 7.3% | ||
| Q3 25 | — | 17.9% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | — | 14.5% | ||
| Q4 24 | — | -30.1% | ||
| Q3 24 | — | 15.4% | ||
| Q2 24 | — | 15.4% | ||
| Q1 24 | — | 13.9% |
每股收益（稀释后）ACTVRRM
| Q4 25 | $1.23 | $0.12 | ||
| Q3 25 | $1.10 | $0.29 | ||
| Q2 25 | $1.11 | $0.24 | ||
| Q1 25 | $1.08 | $0.20 | ||
| Q4 24 | $1.05 | $-0.39 | ||
| Q3 24 | $1.15 | $0.21 | ||
| Q2 24 | $1.16 | $0.20 | ||
| Q1 24 | $1.01 | $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 | $582.5M | $65.3M |
| 总债务越低越好 | $744.5M | $1.0B |
| 股东权益账面价值 | $5.4B | $293.0M |
| 总资产 | $6.9B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.14× | 3.51× |
8季度趋势，按日历期对齐
现金及短期投资ACTVRRM
| Q4 25 | $582.5M | $65.3M | ||
| Q3 25 | $545.6M | $196.1M | ||
| Q2 25 | $616.0M | $147.7M | ||
| Q1 25 | $639.0M | $108.5M | ||
| Q4 24 | $602.8M | $77.6M | ||
| Q3 24 | $674.9M | $206.1M | ||
| Q2 24 | $711.3M | $122.0M | ||
| Q1 24 | $624.3M | $149.5M |
总债务ACTVRRM
| Q4 25 | $744.5M | $1.0B | ||
| Q3 25 | $744.1M | $1.0B | ||
| Q2 25 | $743.8M | $1.0B | ||
| Q1 25 | $743.4M | $1.0B | ||
| Q4 24 | $743.0M | $1.0B | ||
| Q3 24 | $742.7M | $1.0B | ||
| Q2 24 | $742.4M | $1.0B | ||
| Q1 24 | $746.1M | $1.0B |
股东权益ACTVRRM
| Q4 25 | $5.4B | $293.0M | ||
| Q3 25 | $5.3B | $403.1M | ||
| Q2 25 | $5.2B | $352.1M | ||
| Q1 25 | $5.1B | $299.6M | ||
| Q4 24 | $5.0B | $265.1M | ||
| Q3 24 | $5.0B | $486.5M | ||
| Q2 24 | $4.8B | $438.6M | ||
| Q1 24 | $4.7B | $449.0M |
总资产ACTVRRM
| Q4 25 | $6.9B | $1.6B | ||
| Q3 25 | $6.9B | $1.8B | ||
| Q2 25 | $6.8B | $1.7B | ||
| Q1 25 | $6.7B | $1.6B | ||
| Q4 24 | $6.5B | $1.6B | ||
| Q3 24 | $6.6B | $1.9B | ||
| Q2 24 | $6.3B | $1.8B | ||
| Q1 24 | $6.3B | $1.8B |
负债/权益比ACTVRRM
| Q4 25 | 0.14× | 3.51× | ||
| Q3 25 | 0.14× | 2.55× | ||
| Q2 25 | 0.14× | 2.93× | ||
| Q1 25 | 0.15× | 3.45× | ||
| Q4 24 | 0.15× | 3.90× | ||
| Q3 24 | 0.15× | 2.13× | ||
| Q2 24 | 0.15× | 2.36× | ||
| Q1 24 | 0.16× | 2.31× |
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 | $40.0M |
| 自由现金流经营现金流 - 资本支出 | — | $5.7M |
| 自由现金流率自由现金流/营收 | — | 2.2% |
| 资本支出强度资本支出/营收 | — | 13.3% |
| 现金转化率经营现金流/净利润 | — | 2.12× |
| 过去12个月自由现金流最近4个季度 | — | $136.7M |
8季度趋势，按日历期对齐
经营现金流ACTVRRM
| Q4 25 | $724.5M | $40.0M | ||
| Q3 25 | $192.0M | $77.7M | ||
| Q2 25 | $119.5M | $75.1M | ||
| Q1 25 | $226.7M | $63.0M | ||
| Q4 24 | $686.3M | $40.5M | ||
| Q3 24 | $188.1M | $108.8M | ||
| Q2 24 | $144.7M | $40.0M | ||
| Q1 24 | $187.3M | $34.3M |
自由现金流ACTVRRM
| Q4 25 | — | $5.7M | ||
| Q3 25 | — | $49.0M | ||
| Q2 25 | — | $40.3M | ||
| Q1 25 | — | $41.7M | ||
| Q4 24 | — | $21.6M | ||
| Q3 24 | — | $85.1M | ||
| Q2 24 | — | $26.0M | ||
| Q1 24 | — | $20.1M |
自由现金流率ACTVRRM
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 18.7% | ||
| Q2 25 | — | 17.1% | ||
| Q1 25 | — | 18.7% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 11.7% | ||
| Q1 24 | — | 9.6% |
资本支出强度ACTVRRM
| Q4 25 | — | 13.3% | ||
| Q3 25 | — | 11.0% | ||
| Q2 25 | — | 14.8% | ||
| Q1 25 | — | 9.5% | ||
| Q4 24 | — | 8.5% | ||
| Q3 24 | — | 10.5% | ||
| Q2 24 | — | 6.3% | ||
| Q1 24 | — | 6.8% |
现金转化率ACTVRRM
| Q4 25 | — | 2.12× | ||
| Q3 25 | — | 1.66× | ||
| Q2 25 | — | 1.95× | ||
| Q1 25 | — | 1.95× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.13× | ||
| Q2 24 | — | 1.17× | ||
| Q1 24 | — | 1.18× |
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
VRRM
| Services | $239.5M | 93% |
| CA | $8.4M | 3% |
| GB | $5.7M | 2% |
| Other Customer | $1.6M | 1% |
| Parking Solutions | $1.1M | 0% |
