ACT Fundamental Analysis - ENACT HOLDINGS INC

Fundamental Rating

Taking everything into account, ACT scores 5 out of 10 in our fundamental rating. ACT was compared to 99 industry peers in the Financial Services industry. ACT has an average financial health and profitability rating. ACT has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

ACT had positive earnings in the past year.

ACT had a positive operating cash flow in the past year.

ACT had positive earnings in each of the past 5 years.

Each year in the past 5 years ACT had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 10.31%, ACT belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.

ACT has a Return On Equity of 13.53%. This is in the better half of the industry: ACT outperforms 68.69% of its industry peers.

		Industry Rank	Sector Rank
ROA	10.31%
ROE	13.53%
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

1.3 Margins

With an excellent Profit Margin value of 56.93%, ACT belongs to the best of the industry, outperforming 95.96% of the companies in the same industry.

In the last couple of years the Profit Margin of ACT has declined.

With an excellent Operating Margin value of 77.65%, ACT belongs to the best of the industry, outperforming 95.96% of the companies in the same industry.

In the last couple of years the Operating Margin of ACT has remained more or less at the same level.

		Industry Rank	Sector Rank
OM	77.65%
PM (TTM)	56.93%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for ACT has been reduced compared to 1 year ago.

Compared to 5 years ago, ACT has less shares outstanding

ACT has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of ACT is 1.02, which is an excellent value as it means it would take ACT, only 1.02 years of fcf income to pay off all of its debts.

ACT has a better Debt to FCF ratio (1.02) than 84.85% of its industry peers.

ACT has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.15, ACT is doing good in the industry, outperforming 72.73% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.02
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.24% over the past year.

The Earnings Per Share has been growing slightly by 0.98% on average over the past years.

Looking at the last year, ACT shows a small growth in Revenue. The Revenue has grown by 4.53% in the last year.

ACT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.19% yearly.

EPS 1Y (TTM)13.24%

EPS 3Y9.13%

EPS 5Y0.98%

EPS Q2Q%5.77%

Revenue 1Y (TTM)4.53%

Revenue growth 3Y2.44%

Revenue growth 5Y4.19%

Sales Q2Q%5.21%

3.2 Future

ACT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.10% yearly.

Based on estimates for the next years, ACT will show a small growth in Revenue. The Revenue will grow by 3.72% on average per year.

EPS Next Y-3.58%

EPS Next 2Y-0.13%

EPS Next 3Y2.1%

EPS Next 5YN/A

Revenue Next Year2.45%

Revenue Next 2Y3.45%

Revenue Next 3Y3.72%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.76, the valuation of ACT can be described as very cheap.

Based on the Price/Earnings ratio, ACT is valued cheaply inside the industry as 80.81% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 26.57, ACT is valued rather cheaply.

A Price/Forward Earnings ratio of 7.89 indicates a rather cheap valuation of ACT.

ACT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACT is cheaper than 68.69% of the companies in the same industry.

ACT is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.41, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	7.76
Fwd PE	7.89

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ACT is valued cheaply inside the industry as 82.83% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.42
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)7.95

EPS Next 2Y-0.13%

EPS Next 3Y2.1%

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5. Dividend

5.1 Amount

ACT has a Yearly Dividend Yield of 2.36%.

ACT's Dividend Yield is a higher than the industry average which is at 4.73.

Compared to an average S&P500 Dividend Yield of 2.40, ACT has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.36%

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

5.3 Sustainability

20.18% of the earnings are spent on dividend by ACT. This is a low number and sustainable payout ratio.

DP20.18%

EPS Next 2Y-0.13%

EPS Next 3Y2.1%

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ENACT HOLDINGS INC

NASDAQ:ACT (6/16/2025, 8:25:55 PM)

After market: 35.87 0 (0%)

35.87

+0.23 (+0.65%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)04-30 2025-04-30/amc

Earnings (Next)07-29 2025-07-29/amc

Inst Owners20.15%

Inst Owner Change1.23%

Ins Owners0.43%

Ins Owner Change-2.42%

Market Cap5.38B

Analysts78

Price Target40.29 (12.32%)

Short Float %12.66%

Short Ratio6.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.36%

Yearly Dividend0.72

Dividend Growth(5Y)N/A

DP20.18%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-19 2025-05-19 (0.21)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)2.71%

Min EPS beat(2)1.16%

Max EPS beat(2)4.27%

EPS beat(4)4

Avg EPS beat(4)11.87%

Min EPS beat(4)1.16%

Max EPS beat(4)27.01%

EPS beat(8)8

Avg EPS beat(8)12.19%

EPS beat(12)12

Avg EPS beat(12)17.72%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)-1.45%

Min Revenue beat(2)-3.4%

Max Revenue beat(2)0.5%

Revenue beat(4)2

Avg Revenue beat(4)-0.92%

Min Revenue beat(4)-3.4%

Max Revenue beat(4)0.5%

Revenue beat(8)3

Avg Revenue beat(8)-1.06%

Revenue beat(12)5

Avg Revenue beat(12)-0.66%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)0.64%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.3%

EPS NY rev (1m)0%

EPS NY rev (3m)0.54%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.9%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.13%

Valuation

		Industry Rank	Sector Rank
PE	7.76
Fwd PE	7.89
P/S	4.42
P/FCF	7.42
P/OCF	7.42
P/B	1.05
P/tB	1.05
EV/EBITDA	N/A

EPS(TTM)4.62

EY12.88%

EPS(NY)4.55

Fwd EY12.68%

FCF(TTM)4.84

FCFY13.48%

OCF(TTM)4.84

OCFY13.48%

SpS8.11

BVpS34.11

TBVpS34.11

PEG (NY)N/A

PEG (5Y)7.95

Profitability

		Industry Rank	Sector Rank
ROA	10.31%
ROE	13.53%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	77.65%
PM (TTM)	56.93%
GM	N/A
FCFM	59.63%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score7

Asset Turnover0.18

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.02
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	250
Cash Conversion	N/A
Profit Quality	104.74%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

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)13.24%

EPS 3Y9.13%

EPS 5Y0.98%

EPS Q2Q%5.77%

EPS Next Y-3.58%

EPS Next 2Y-0.13%

EPS Next 3Y2.1%

EPS Next 5YN/A

Revenue 1Y (TTM)4.53%

Revenue growth 3Y2.44%

Revenue growth 5Y4.19%

Sales Q2Q%5.21%

Revenue Next Year2.45%

Revenue Next 2Y3.45%

Revenue Next 3Y3.72%

Revenue Next 5YN/A

EBIT growth 1Y6.82%

EBIT growth 3Y8.01%

EBIT growth 5Y5.53%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y39.82%

FCF growth 3Y6.25%

FCF growth 5Y6.54%

OCF growth 1Y39.82%

OCF growth 3Y6.25%

OCF growth 5Y6.54%

ENACT HOLDINGS INC (ACT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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