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Enact Holdings, Inc.（ACT）与Cactus, Inc.（WHD）财务数据对比。点击上方公司名可切换其他公司
Cactus, Inc.的季度营收约是Enact Holdings, Inc.的1.2倍（$388.3M vs $312.1M），Enact Holdings, Inc.净利率更高（53.8% vs 10.4%，领先43.5%），Cactus, Inc.同比增速更快（38.5% vs 1.7%），过去两年Cactus, Inc.的营收复合增速更高（15.6% 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。
Cactus, Inc.旗下拥有Cactus Club Cafe，是源自加拿大不列颠哥伦比亚省北温哥华的高端休闲连锁餐饮品牌。目前品牌已在加拿大全境布局34家门店，覆盖不列颠哥伦比亚、阿尔伯塔、萨斯喀彻温、安大略等省份，同时在美国也设有门店，主打高品质休闲餐饮体验。
ACT vs WHD — 直观对比
营收规模更大
WHD
是对方的1.2倍
$312.1M
营收增速更快
WHD
高出36.8%
1.7%
净利率更高
ACT
高出43.5%
10.4%
两年增速更快
WHD
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $388.3M |
| 净利润 | $168.0M | $40.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 9.9% |
| 净利率 | 53.8% | 10.4% |
| 营收同比 | 1.7% | 38.5% |
| 净利润同比 | 1.2% | -25.7% |
| 每股收益（稀释后） | $1.18 | — |
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ACTWHD
| Q1 26 | $312.1M | $388.3M | ||
| Q4 25 | $312.7M | $261.2M | ||
| Q3 25 | $311.5M | $264.0M | ||
| Q2 25 | $304.9M | $273.6M | ||
| Q1 25 | $306.8M | $280.3M | ||
| Q4 24 | $301.8M | $272.1M | ||
| Q3 24 | $309.6M | $293.2M | ||
| Q2 24 | $298.8M | $290.4M |
净利润ACTWHD
| Q1 26 | $168.0M | $40.2M | ||
| Q4 25 | — | $39.8M | ||
| Q3 25 | — | $41.6M | ||
| Q2 25 | — | $40.3M | ||
| Q1 25 | — | $44.2M | ||
| Q4 24 | — | $46.7M | ||
| Q3 24 | — | $49.9M | ||
| Q2 24 | — | $49.8M |
毛利率ACTWHD
| Q1 26 | — | — | ||
| Q4 25 | — | 36.2% | ||
| Q3 25 | — | 36.8% | ||
| Q2 25 | — | 36.6% | ||
| Q1 25 | — | 38.4% | ||
| Q4 24 | — | 37.8% | ||
| Q3 24 | — | 39.0% | ||
| Q2 24 | — | 39.2% |
营业利润率ACTWHD
| Q1 26 | — | 9.9% | ||
| Q4 25 | 71.3% | 22.9% | ||
| Q3 25 | 67.4% | 23.2% | ||
| Q2 25 | 70.4% | 22.2% | ||
| Q1 25 | 68.9% | 24.5% | ||
| Q4 24 | 68.9% | 25.9% | ||
| Q3 24 | 74.1% | 26.2% | ||
| Q2 24 | 78.6% | 27.5% |
净利率ACTWHD
| Q1 26 | 53.8% | 10.4% | ||
| Q4 25 | — | 15.3% | ||
| Q3 25 | — | 15.8% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 15.8% | ||
| Q4 24 | — | 17.2% | ||
| Q3 24 | — | 17.0% | ||
| Q2 24 | — | 17.2% |
每股收益（稀释后）ACTWHD
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.23 | — | ||
| Q3 25 | $1.10 | — | ||
| Q2 25 | $1.11 | — | ||
| Q1 25 | $1.08 | — | ||
| Q4 24 | $1.05 | — | ||
| Q3 24 | $1.15 | — | ||
| Q2 24 | $1.16 | — |
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 | $291.6M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | $1.4B |
| 总资产 | $7.0B | $2.5B |
| 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ACTWHD
| Q1 26 | $549.0M | $291.6M | ||
| Q4 25 | $582.5M | $123.6M | ||
| Q3 25 | $545.6M | $445.6M | ||
| Q2 25 | $616.0M | $405.2M | ||
| Q1 25 | $639.0M | $347.7M | ||
| Q4 24 | $602.8M | $342.8M | ||
| Q3 24 | $674.9M | $303.4M | ||
| Q2 24 | $711.3M | $246.5M |
总债务ACTWHD
| Q1 26 | $744.9M | — | ||
| Q4 25 | $744.5M | $0 | ||
| Q3 25 | $744.1M | $0 | ||
| Q2 25 | $743.8M | $0 | ||
| Q1 25 | $743.4M | $0 | ||
| Q4 24 | $743.0M | $0 | ||
| Q3 24 | $742.7M | $0 | ||
| Q2 24 | $742.4M | $0 |
股东权益ACTWHD
| Q1 26 | $5.3B | $1.4B | ||
| Q4 25 | $5.4B | $1.2B | ||
| Q3 25 | $5.3B | $1.2B | ||
| Q2 25 | $5.2B | $1.1B | ||
| Q1 25 | $5.1B | $1.1B | ||
| Q4 24 | $5.0B | $1.1B | ||
| Q3 24 | $5.0B | $1.0B | ||
| Q2 24 | $4.8B | $954.7M |
总资产ACTWHD
| Q1 26 | $7.0B | $2.5B | ||
| Q4 25 | $6.9B | $1.9B | ||
| Q3 25 | $6.9B | $1.9B | ||
| Q2 25 | $6.8B | $1.8B | ||
| Q1 25 | $6.7B | $1.8B | ||
| Q4 24 | $6.5B | $1.7B | ||
| Q3 24 | $6.6B | $1.7B | ||
| Q2 24 | $6.3B | $1.6B |
负债/权益比ACTWHD
| Q1 26 | 0.14× | — | ||
| Q4 25 | 0.14× | 0.00× | ||
| Q3 25 | 0.14× | 0.00× | ||
| Q2 25 | 0.14× | 0.00× | ||
| Q1 25 | 0.15× | 0.00× | ||
| Q4 24 | 0.15× | 0.00× | ||
| Q3 24 | 0.15× | 0.00× | ||
| Q2 24 | 0.15× | 0.00× |
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 | — | $128.3M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 2.5% |
| 现金转化率经营现金流/净利润 | — | 3.19× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ACTWHD
| Q1 26 | — | $128.3M | ||
| Q4 25 | $724.5M | $72.3M | ||
| Q3 25 | $192.0M | $61.8M | ||
| Q2 25 | $119.5M | $82.8M | ||
| Q1 25 | $226.7M | $41.5M | ||
| Q4 24 | $686.3M | $66.6M | ||
| Q3 24 | $188.1M | $85.3M | ||
| Q2 24 | $144.7M | $78.0M |
资本支出强度ACTWHD
| Q1 26 | — | 2.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率ACTWHD
| Q1 26 | — | 3.19× | ||
| Q4 25 | — | 1.81× | ||
| Q3 25 | — | 1.48× | ||
| Q2 25 | — | 2.05× | ||
| Q1 25 | — | 0.94× | ||
| Q4 24 | — | 1.43× | ||
| Q3 24 | — | 1.71× | ||
| Q2 24 | — | 1.56× |
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% |
WHD
| Revenue | $300.2M | 77% |
| Other | $88.2M | 23% |
