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Enact Holdings, Inc.（ACT）与Clear Secure, Inc.（YOU）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Clear Secure, Inc.的1.3倍（$312.7M vs $240.8M），Clear Secure, Inc.同比增速更快（16.7% vs 3.6%），过去两年Clear Secure, Inc.的营收复合增速更高（16.0% 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。
Clear Secure, Inc.是美国一家科技企业，主营生物识别旅行证件核验系统，其服务已覆盖部分大型机场与体育场馆。公司成立于2003年，2009年申请破产后停运，2012年重启运营，最终于2021年成功上市。
ACT vs YOU — 直观对比
营收规模更大
ACT
是对方的1.3倍
$240.8M
营收增速更快
YOU
高出13.1%
3.6%
两年增速更快
YOU
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.7M | $240.8M |
| 净利润 | — | $30.8M |
| 毛利率 | — | — |
| 营业利润率 | 71.3% | 22.4% |
| 净利率 | — | 12.8% |
| 营收同比 | 3.6% | 16.7% |
| 净利润同比 | — | -70.2% |
| 每股收益（稀释后） | $1.23 | — |
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ACTYOU
| Q4 25 | $312.7M | $240.8M | ||
| Q3 25 | $311.5M | $229.2M | ||
| Q2 25 | $304.9M | $219.5M | ||
| Q1 25 | $306.8M | $211.4M | ||
| Q4 24 | $301.8M | $206.3M | ||
| Q3 24 | $309.6M | $198.4M | ||
| Q2 24 | $298.8M | $186.7M | ||
| Q1 24 | $291.6M | $179.0M |
净利润ACTYOU
| Q4 25 | — | $30.8M | ||
| Q3 25 | — | $28.3M | ||
| Q2 25 | — | $24.7M | ||
| Q1 25 | — | $25.4M | ||
| Q4 24 | — | $103.3M | ||
| Q3 24 | — | $23.5M | ||
| Q2 24 | — | $24.1M | ||
| Q1 24 | — | $18.8M |
营业利润率ACTYOU
| Q4 25 | 71.3% | 22.4% | ||
| Q3 25 | 67.4% | 23.0% | ||
| Q2 25 | 70.4% | 19.4% | ||
| Q1 25 | 68.9% | 17.7% | ||
| Q4 24 | 68.9% | 16.5% | ||
| Q3 24 | 74.1% | 17.7% | ||
| Q2 24 | 78.6% | 16.2% | ||
| Q1 24 | 70.6% | 13.2% |
净利率ACTYOU
| Q4 25 | — | 12.8% | ||
| Q3 25 | — | 12.3% | ||
| Q2 25 | — | 11.3% | ||
| Q1 25 | — | 12.0% | ||
| Q4 24 | — | 50.1% | ||
| Q3 24 | — | 11.8% | ||
| Q2 24 | — | 12.9% | ||
| Q1 24 | — | 10.5% |
每股收益（稀释后）ACTYOU
| 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 | — | ||
| Q1 24 | $1.01 | — |
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 | $85.7M |
| 总债务越低越好 | $744.5M | — |
| 股东权益账面价值 | $5.4B | $177.7M |
| 总资产 | $6.9B | $1.3B |
| 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ACTYOU
| Q4 25 | $582.5M | $85.7M | ||
| Q3 25 | $545.6M | $75.8M | ||
| Q2 25 | $616.0M | $89.3M | ||
| Q1 25 | $639.0M | $87.6M | ||
| Q4 24 | $602.8M | $66.9M | ||
| Q3 24 | $674.9M | $32.9M | ||
| Q2 24 | $711.3M | $39.1M | ||
| Q1 24 | $624.3M | $64.1M |
总债务ACTYOU
| 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 | — | ||
| Q1 24 | $746.1M | — |
股东权益ACTYOU
| Q4 25 | $5.4B | $177.7M | ||
| Q3 25 | $5.3B | $148.6M | ||
| Q2 25 | $5.2B | $121.3M | ||
| Q1 25 | $5.1B | $116.7M | ||
| Q4 24 | $5.0B | $198.4M | ||
| Q3 24 | $5.0B | $129.0M | ||
| Q2 24 | $4.8B | $153.5M | ||
| Q1 24 | $4.7B | $165.9M |
总资产ACTYOU
| Q4 25 | $6.9B | $1.3B | ||
| Q3 25 | $6.9B | $1.1B | ||
| Q2 25 | $6.8B | $1.2B | ||
| Q1 25 | $6.7B | $1.1B | ||
| Q4 24 | $6.5B | $1.2B | ||
| Q3 24 | $6.6B | $858.6M | ||
| Q2 24 | $6.3B | $982.4M | ||
| Q1 24 | $6.3B | $1.0B |
负债/权益比ACTYOU
| 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× | — | ||
| Q1 24 | 0.16× | — |
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 | $198.4M |
| 自由现金流经营现金流 - 资本支出 | — | $187.4M |
| 自由现金流率自由现金流/营收 | — | 77.8% |
| 资本支出强度资本支出/营收 | — | 4.6% |
| 现金转化率经营现金流/净利润 | — | 6.45× |
| 过去12个月自由现金流最近4个季度 | — | $343.1M |
8季度趋势，按日历期对齐
经营现金流ACTYOU
| Q4 25 | $724.5M | $198.4M | ||
| Q3 25 | $192.0M | $-47.3M | ||
| Q2 25 | $119.5M | $123.0M | ||
| Q1 25 | $226.7M | $98.3M | ||
| Q4 24 | $686.3M | $136.6M | ||
| Q3 24 | $188.1M | $-35.9M | ||
| Q2 24 | $144.7M | $114.6M | ||
| Q1 24 | $187.3M | $80.3M |
自由现金流ACTYOU
| Q4 25 | — | $187.4M | ||
| Q3 25 | — | $-53.5M | ||
| Q2 25 | — | $117.9M | ||
| Q1 25 | — | $91.3M | ||
| Q4 24 | — | $133.9M | ||
| Q3 24 | — | $-37.9M | ||
| Q2 24 | — | $110.1M | ||
| Q1 24 | — | $77.6M |
自由现金流率ACTYOU
| Q4 25 | — | 77.8% | ||
| Q3 25 | — | -23.3% | ||
| Q2 25 | — | 53.7% | ||
| Q1 25 | — | 43.2% | ||
| Q4 24 | — | 64.9% | ||
| Q3 24 | — | -19.1% | ||
| Q2 24 | — | 59.0% | ||
| Q1 24 | — | 43.3% |
资本支出强度ACTYOU
| Q4 25 | — | 4.6% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 2.4% | ||
| Q1 24 | — | 1.6% |
现金转化率ACTYOU
| Q4 25 | — | 6.45× | ||
| Q3 25 | — | -1.67× | ||
| Q2 25 | — | 4.97× | ||
| Q1 25 | — | 3.87× | ||
| Q4 24 | — | 1.32× | ||
| Q3 24 | — | -1.53× | ||
| Q2 24 | — | 4.75× | ||
| Q1 24 | — | 4.27× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
