ENACT HOLDINGS INC (ACT) Stock Fundamental Analysis

NASDAQ:ACT • US29249E1091

43.09 USD
-0.2 (-0.46%)
At close: Feb 17, 2026
43.09 USD
0 (0%)
After Hours: 2/17/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, ACT scores 4 out of 10 in our fundamental rating. ACT was compared to 97 industry peers in the Financial Services industry. There are concerns on the financial health of ACT while its profitability can be described as average. ACT has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year ACT was profitable.
  • ACT had a positive operating cash flow in the past year.
  • Of the past 5 years ACT 4 years were profitable.
  • Of the past 5 years ACT 4 years had a positive operating cash flow.
ACT Yearly Net Income VS EBIT VS OCF VS FCFACT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

  • With an excellent Return On Assets value of 9.60%, ACT belongs to the best of the industry, outperforming 87.63% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 12.41%, ACT is in the better half of the industry, outperforming 69.07% of the companies in the same industry.
Industry RankSector Rank
ROA 9.6%
ROE 12.41%
ROIC N/A
ROA(3y)11.21%
ROA(5y)9.9%
ROE(3y)15.1%
ROE(5y)13.63%
ROIC(3y)N/A
ROIC(5y)N/A
ACT Yearly ROA, ROE, ROICACT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of ACT (53.87%) is better than 91.75% of its industry peers.
  • ACT's Profit Margin has declined in the last couple of years.
  • ACT has a better Operating Margin (72.93%) than 94.85% of its industry peers.
  • In the last couple of years the Operating Margin of ACT has remained more or less at the same level.
Industry RankSector Rank
OM 72.93%
PM (TTM) 53.87%
GM N/A
OM growth 3Y5.43%
OM growth 5Y1.29%
PM growth 3Y5.4%
PM growth 5Y-3.72%
GM growth 3YN/A
GM growth 5YN/A
ACT Yearly Profit, Operating, Gross MarginsACT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • There is no outstanding debt for ACT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ACT Yearly Shares OutstandingACT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
ACT Yearly Total Debt VS Total AssetsACT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of ACT is 1.06, which is an excellent value as it means it would take ACT, only 1.06 years of fcf income to pay off all of its debts.
  • ACT's Debt to FCF ratio of 1.06 is fine compared to the rest of the industry. ACT outperforms 79.38% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that ACT is not too dependend on debt financing.
  • ACT has a better Debt to Equity ratio (0.14) than 69.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.06
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ACT Yearly LT Debt VS Equity VS FCFACT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ACT Yearly Current Assets VS Current LiabilitesACT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2021 2022 2023 2024 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.88% over the past year.
  • Measured over the past 5 years, ACT shows a small growth in Earnings Per Share. The EPS has been growing by 2.19% on average per year.
EPS 1Y (TTM)0.88%
EPS 3Y2.19%
EPS 5YN/A
EPS Q2Q%12.84%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.62%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.04% on average over the next years.
  • ACT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.06% yearly.
EPS Next Y1.99%
EPS Next 2Y5.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.58%
Revenue Next 2Y3.06%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
ACT Yearly Revenue VS EstimatesACT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
ACT Yearly EPS VS EstimatesACT Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.37 indicates a reasonable valuation of ACT.
  • Based on the Price/Earnings ratio, ACT is valued a bit cheaper than 63.92% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.16. ACT is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.18, the valuation of ACT can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ACT is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 28.10. ACT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.37
Fwd PE 9.18
ACT Price Earnings VS Forward Price EarningsACT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 77.32% of the companies in the same industry are more expensive than ACT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.83
EV/EBITDA N/A
ACT Per share dataACT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.71
PEG (5Y)N/A
EPS Next 2Y5.04%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • ACT has a Yearly Dividend Yield of 1.92%.
  • Compared to an average industry Dividend Yield of 2.23, ACT pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, ACT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.92%

5.2 History

  • ACT has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
ACT Yearly Dividends per shareACT Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • ACT pays out 18.03% of its income as dividend. This is a sustainable payout ratio.
DP18.03%
EPS Next 2Y5.04%
EPS Next 3YN/A
ACT Yearly Income VS Free CF VS DividendACT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
ACT Dividend Payout.ACT Dividend Payout, showing the Payout Ratio.ACT Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

ENACT HOLDINGS INC

NASDAQ:ACT (2/17/2026, 8:00:00 PM)

After market: 43.09 0 (0%)

43.09

-0.2 (-0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners21.73%
Inst Owner Change-3.07%
Ins Owners0.42%
Ins Owner Change-4.29%
Market Cap6.22B
Revenue(TTM)N/A
Net Income(TTM)659.82M
Analysts73.33
Price Target43.61 (1.21%)
Short Float %11.46%
Short Ratio11.11
Dividend
Industry RankSector Rank
Dividend Yield 1.92%
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP18.03%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.47%
Min EPS beat(2)1.73%
Max EPS beat(2)3.2%
EPS beat(4)4
Avg EPS beat(4)2.59%
Min EPS beat(4)1.16%
Max EPS beat(4)4.27%
EPS beat(8)8
Avg EPS beat(8)8.21%
EPS beat(12)12
Avg EPS beat(12)11.62%
EPS beat(16)16
Avg EPS beat(16)15.56%
Revenue beat(2)0
Avg Revenue beat(2)-1.51%
Min Revenue beat(2)-1.86%
Max Revenue beat(2)-1.16%
Revenue beat(4)1
Avg Revenue beat(4)-1.48%
Min Revenue beat(4)-3.4%
Max Revenue beat(4)0.5%
Revenue beat(8)2
Avg Revenue beat(8)-1.24%
Revenue beat(12)4
Avg Revenue beat(12)-0.87%
Revenue beat(16)5
Avg Revenue beat(16)-1.03%
PT rev (1m)4.78%
PT rev (3m)5.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.68%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)1.28%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.24%
Valuation
Industry RankSector Rank
PE 9.37
Fwd PE 9.18
P/S 5.08
P/FCF 8.83
P/OCF 8.83
P/B 1.17
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)4.6
EY10.68%
EPS(NY)4.69
Fwd EY10.89%
FCF(TTM)4.88
FCFY11.32%
OCF(TTM)4.88
OCFY11.32%
SpS8.48
BVpS36.82
TBVpS36.82
PEG (NY)4.71
PEG (5Y)N/A
Graham Number61.74
Profitability
Industry RankSector Rank
ROA 9.6%
ROE 12.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 72.93%
PM (TTM) 53.87%
GM N/A
FCFM 57.51%
ROA(3y)11.21%
ROA(5y)9.9%
ROE(3y)15.1%
ROE(5y)13.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)15.25%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y5.43%
OM growth 5Y1.29%
PM growth 3Y5.4%
PM growth 5Y-3.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.06
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 106.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)91.43%
Profit Quality(5y)113.82%
High Growth Momentum
Growth
EPS 1Y (TTM)0.88%
EPS 3Y2.19%
EPS 5YN/A
EPS Q2Q%12.84%
EPS Next Y1.99%
EPS Next 2Y5.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.62%
Revenue Next Year3.58%
Revenue Next 2Y3.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.22%
EBIT growth 3Y8.01%
EBIT growth 5Y5.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.32%
FCF growth 3Y6.25%
FCF growth 5Y6.54%
OCF growth 1Y17.32%
OCF growth 3Y6.25%
OCF growth 5Y6.54%

ENACT HOLDINGS INC / ACT FAQ

Can you provide the ChartMill fundamental rating for ENACT HOLDINGS INC?

ChartMill assigns a fundamental rating of 4 / 10 to ACT.


What is the valuation status for ACT stock?

ChartMill assigns a valuation rating of 5 / 10 to ENACT HOLDINGS INC (ACT). This can be considered as Fairly Valued.


Can you provide the profitability details for ENACT HOLDINGS INC?

ENACT HOLDINGS INC (ACT) has a profitability rating of 5 / 10.


Can you provide the financial health for ACT stock?

The financial health rating of ENACT HOLDINGS INC (ACT) is 3 / 10.


What is the earnings growth outlook for ENACT HOLDINGS INC?

The Earnings per Share (EPS) of ENACT HOLDINGS INC (ACT) is expected to grow by 1.99% in the next year.