37.87 USD
-0.12 (-0.32%)
37.87 USD
0 (0%)
ACT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. Both the profitability and the financial health of ACT get a neutral evaluation. Nothing too spectacular is happening here. ACT is not valued too expensively and it also shows a decent growth rate.
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
ACT's Return On Assets of 9.60% is amongst the best of the industry. ACT outperforms 88.66% of its industry peers.
ACT has a Return On Equity of 12.41%. This is in the better half of the industry: ACT outperforms 68.04% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 53.87%, ACT belongs to the top of the industry, outperforming 92.78% of the companies in the same industry.
ACT's Profit Margin has declined in the last couple of years.
ACT has a Operating Margin of 72.93%. This is amongst the best in the industry. ACT outperforms 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 Rank | Sector 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
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
The debt/assets ratio for ACT has been reduced compared to a year ago.
2.2 Solvency
ACT has a debt to FCF ratio of 1.06. This is a very positive value and a sign of high solvency as it would only need 1.06 years to pay back of all of its debts.
ACT has a better Debt to FCF ratio (1.06) than 80.41% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that ACT is not too dependend on debt financing.
ACT's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. ACT outperforms 71.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ACT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.22%.
Measured over the past 5 years, ACT shows a small growth in Earnings Per Share. The EPS has been growing by 0.98% on average per year.
The Revenue has been growing slightly by 2.40% in the past year.
The Revenue has been growing slightly by 4.19% on average over the past years.
EPS 1Y (TTM)0.22%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%-3.45%
Revenue 1Y (TTM)2.4%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%0.6%
3.2 Future
The Earnings Per Share is expected to grow by 3.48% 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 2.83% yearly.
EPS Next Y-0.77%
EPS Next 2Y1.27%
EPS Next 3Y3.48%
EPS Next 5YN/A
Revenue Next Year2.53%
Revenue Next 2Y3.01%
Revenue Next 3Y2.83%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.49 indicates a reasonable valuation of ACT.
Based on the Price/Earnings ratio, ACT is valued a bit cheaper than 71.13% of the companies in the same industry.
ACT is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
ACT is valuated reasonably with a Price/Forward Earnings ratio of 8.10.
ACT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACT is cheaper than 64.95% of the companies in the same industry.
ACT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.56.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.49 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ACT is valued cheaply inside the industry as 82.47% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.69
EPS Next 2Y1.27%
EPS Next 3Y3.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.22%, ACT has a reasonable but not impressive dividend return.
ACT's Dividend Yield is a higher than the industry average which is at 3.96.
ACT's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
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
18.03% of the earnings are spent on dividend by ACT. This is a low number and sustainable payout ratio.
DP18.03%
EPS Next 2Y1.27%
EPS Next 3Y3.48%
37.87
-0.12 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners21.72%
Inst Owner Change0.44%
Ins Owners0.42%
Ins Owner Change-4.14%
Market Cap5.47B
Revenue(TTM)1.22B
Net Income(TTM)659.82M
Analysts73.33
Price Target41.41 (9.35%)
Short Float %13.02%
Short Ratio10.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP18.03%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)0.25%
PT rev (3m)1.5%
EPS NQ rev (1m)-0.45%
EPS NQ rev (3m)3.11%
EPS NY rev (1m)1.36%
EPS NY rev (3m)2.75%
Revenue NQ rev (1m)0.55%
Revenue NQ rev (3m)1.1%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.49 | ||
| Fwd PE | 8.1 | ||
| P/S | 4.46 | ||
| P/FCF | 7.76 | ||
| P/OCF | 7.76 | ||
| P/B | 1.03 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY11.78%
EPS(NY)4.68
Fwd EY12.35%
FCF(TTM)4.88
FCFY12.88%
OCF(TTM)4.88
OCFY12.88%
SpS8.48
BVpS36.82
TBVpS36.82
PEG (NY)N/A
PEG (5Y)8.69
Graham Number60.79
Profitability
| Industry Rank | Sector 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 Rank | Sector 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)0.22%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%-3.45%
EPS Next Y-0.77%
EPS Next 2Y1.27%
EPS Next 3Y3.48%
EPS Next 5YN/A
Revenue 1Y (TTM)2.4%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%0.6%
Revenue Next Year2.53%
Revenue Next 2Y3.01%
Revenue Next 3Y2.83%
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 of ENACT HOLDINGS INC (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.
What are the PE and PB ratios of ENACT HOLDINGS INC (ACT) stock?
The Price/Earnings (PE) ratio for ENACT HOLDINGS INC (ACT) is 8.49 and the Price/Book (PB) ratio is 1.03.
What is the financial health of ENACT HOLDINGS INC (ACT) stock?
The financial health rating of ENACT HOLDINGS INC (ACT) is 4 / 10.