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Company Analysis

Enact Holdings, Inc. ACT

A comprehensive view of key metrics, scores, and financial health for Enact Holdings, Inc.

Overview of Enact Holdings, Inc.

ACT NMS
Financial Services Insurance - Specialty Mid Cap
Enact Holdings, Inc. (ACT), is a Mid Cap company, in the Insurance - Specialty industry, last closed at $44.01, about 13.9% overvalued vs fair value, +23.0% 1Y return, ranked 313/1037 in sector.
Metrics P/E 8.8× Rev Growth 2.4% ROE 13.0% Gross Margin 91.1%
$44.01
0.18%
As of April 28, 2026
Previous close • Vol 90d: 24.9%
52-Week Range
Market Cap
$6.20B
Enterprise Value
$6.36B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats

Quick Facts

Website https://enactmi.com
HQ Raleigh, NC
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$21
$38
$71
Current: $44.01 -14% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.2B
2.4%%
Claims & Losses
$-109.5M
-58.1%%
Acquisition & Admin Expenses
$-152.5M
Underwriting Result
$858.8M
-2.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
8.9%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$355.7M
52.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Enact Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
56
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing ACT's balance between Growth (23.0%), Profitability (43.0%), and Safety (34.0%). Growth 23% Safety 34% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
41
Key Signals
Equity Growth YoY 7.8% 68p Rev Growth YoY 2.4% 27p Revenue CAGR 3Y 4.0% 38p EPS Growth YoY 3.4% 35p Asset Growth YoY 5.7% 50p
Strengths
  • Net Profit Margin in top 20% of peers (54.8%, 83th percentile)
  • ROA in top 20% of peers (10.8%, 88th percentile)
  • Equity/Assets in top 20% of peers (77.7%, 88th percentile)
Risks
  • Growth below peer median (percentile: 40)

Profitability

76th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
61
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Enact Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$37.89
- - -
-13.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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