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Enact Holdings, Inc.（ACT）与WORKIVA INC（WK）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WORKIVA INC的1.3倍（$312.1M vs $247.3M），Enact Holdings, Inc.净利率更高（53.8% vs 7.7%，领先46.2%），WORKIVA INC同比增速更快（19.9% vs 1.7%），过去两年WORKIVA INC的营收复合增速更高（18.0% 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。
Workiva Inc.是一家全球知名的SaaS企业，主打云原生关联报告合规平台，支持关联数据调用与报告流程自动化，可广泛应用于财务、会计、风险及合规等多个业务场景，助力企业提升运营效率与合规管理水平。
ACT vs WK — 直观对比
营收规模更大
ACT
是对方的1.3倍
$247.3M
营收增速更快
WK
高出18.2%
1.7%
净利率更高
ACT
高出46.2%
7.7%
两年增速更快
WK
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.1M | $247.3M |
| 净利润 | $168.0M | $19.0M |
| 毛利率 | — | 80.4% |
| 营业利润率 | — | 25.8% |
| 净利率 | 53.8% | 7.7% |
| 营收同比 | 1.7% | 19.9% |
| 净利润同比 | 1.2% | — |
| 每股收益（稀释后） | $1.18 | $0.33 |
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ACTWK
| Q1 26 | $312.1M | $247.3M | ||
| Q4 25 | $312.7M | $238.9M | ||
| Q3 25 | $311.5M | $224.2M | ||
| Q2 25 | $304.9M | $215.2M | ||
| Q1 25 | $306.8M | $206.3M | ||
| Q4 24 | $301.8M | $199.9M | ||
| Q3 24 | $309.6M | $185.6M | ||
| Q2 24 | $298.8M | $177.5M |
净利润ACTWK
| Q1 26 | $168.0M | $19.0M | ||
| Q4 25 | — | $11.8M | ||
| Q3 25 | — | $2.8M | ||
| Q2 25 | — | $-19.4M | ||
| Q1 25 | — | $-21.4M | ||
| Q4 24 | — | $-8.8M | ||
| Q3 24 | — | $-17.0M | ||
| Q2 24 | — | $-17.5M |
毛利率ACTWK
| Q1 26 | — | 80.4% | ||
| Q4 25 | — | 80.7% | ||
| Q3 25 | — | 79.3% | ||
| Q2 25 | — | 77.0% | ||
| Q1 25 | — | 76.6% | ||
| Q4 24 | — | 77.1% | ||
| Q3 24 | — | 76.5% | ||
| Q2 24 | — | 76.8% |
营业利润率ACTWK
| Q1 26 | — | 25.8% | ||
| Q4 25 | 71.3% | 3.3% | ||
| Q3 25 | 67.4% | -1.5% | ||
| Q2 25 | 70.4% | -10.3% | ||
| Q1 25 | 68.9% | -12.0% | ||
| Q4 24 | 68.9% | -6.7% | ||
| Q3 24 | 74.1% | -11.7% | ||
| Q2 24 | 78.6% | -13.0% |
净利率ACTWK
| Q1 26 | 53.8% | 7.7% | ||
| Q4 25 | — | 4.9% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | -9.0% | ||
| Q1 25 | — | -10.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | -9.2% | ||
| Q2 24 | — | -9.9% |
每股收益（稀释后）ACTWK
| Q1 26 | $1.18 | $0.33 | ||
| Q4 25 | $1.23 | $0.21 | ||
| Q3 25 | $1.10 | $0.05 | ||
| Q2 25 | $1.11 | $-0.35 | ||
| Q1 25 | $1.08 | $-0.38 | ||
| Q4 24 | $1.05 | $-0.15 | ||
| Q3 24 | $1.15 | $-0.31 | ||
| Q2 24 | $1.16 | $-0.32 |
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 | $334.3M |
| 总债务越低越好 | $744.9M | — |
| 股东权益账面价值 | $5.3B | — |
| 总资产 | $7.0B | $1.4B |
| 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ACTWK
| Q1 26 | $549.0M | $334.3M | ||
| Q4 25 | $582.5M | $338.8M | ||
| Q3 25 | $545.6M | $315.9M | ||
| Q2 25 | $616.0M | $284.3M | ||
| Q1 25 | $639.0M | $242.0M | ||
| Q4 24 | $602.8M | $301.8M | ||
| Q3 24 | $674.9M | $248.2M | ||
| Q2 24 | $711.3M | $267.9M |
总债务ACTWK
| Q1 26 | $744.9M | — | ||
| Q4 25 | $744.5M | — | ||
| Q3 25 | $744.1M | — | ||
| Q2 25 | $743.8M | — | ||
| Q1 25 | $743.4M | — | ||
| Q4 24 | $743.0M | — | ||
| Q3 24 | $742.7M | — | ||
| Q2 24 | $742.4M | — |
股东权益ACTWK
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.4B | $-5.4M | ||
| Q3 25 | $5.3B | $-36.9M | ||
| Q2 25 | $5.2B | $-66.5M | ||
| Q1 25 | $5.1B | $-75.7M | ||
| Q4 24 | $5.0B | $-41.7M | ||
| Q3 24 | $5.0B | $-50.8M | ||
| Q2 24 | $4.8B | $-77.7M |
总资产ACTWK
| Q1 26 | $7.0B | $1.4B | ||
| Q4 25 | $6.9B | $1.5B | ||
| Q3 25 | $6.9B | $1.4B | ||
| Q2 25 | $6.8B | $1.3B | ||
| Q1 25 | $6.7B | $1.3B | ||
| Q4 24 | $6.5B | $1.4B | ||
| Q3 24 | $6.6B | $1.3B | ||
| Q2 24 | $6.3B | $1.2B |
负债/权益比ACTWK
| Q1 26 | 0.14× | — | ||
| 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× | — |
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 | — | — |
| 自由现金流经营现金流 - 资本支出 | — | $25.7M |
| 自由现金流率自由现金流/营收 | — | 10.4% |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | $171.9M |
8季度趋势，按日历期对齐
经营现金流ACTWK
| Q1 26 | — | — | ||
| Q4 25 | $724.5M | $51.0M | ||
| Q3 25 | $192.0M | $46.2M | ||
| Q2 25 | $119.5M | $50.3M | ||
| Q1 25 | $226.7M | $-7.4M | ||
| Q4 24 | $686.3M | $44.0M | ||
| Q3 24 | $188.1M | $18.9M | ||
| Q2 24 | $144.7M | $-14.0K |
自由现金流ACTWK
| Q1 26 | — | $25.7M | ||
| Q4 25 | — | $50.7M | ||
| Q3 25 | — | $46.1M | ||
| Q2 25 | — | $49.3M | ||
| Q1 25 | — | $-8.1M | ||
| Q4 24 | — | $43.2M | ||
| Q3 24 | — | $18.7M | ||
| Q2 24 | — | $-122.0K |
自由现金流率ACTWK
| Q1 26 | — | 10.4% | ||
| Q4 25 | — | 21.2% | ||
| Q3 25 | — | 20.5% | ||
| Q2 25 | — | 22.9% | ||
| Q1 25 | — | -3.9% | ||
| Q4 24 | — | 21.6% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | -0.1% |
资本支出强度ACTWK
| Q1 26 | — | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% |
现金转化率ACTWK
| Q1 26 | — | — | ||
| Q4 25 | — | 4.31× | ||
| Q3 25 | — | 16.57× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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% |
WK
| Subscription and support | $225.4M | 91% |
| Other | $22.0M | 9% |
