ENACT HOLDINGS INC (ACT) Fundamental Analysis & Valuation

NASDAQ:ACT • US29249E1091

40.56 USD
+0.12 (+0.3%)
At close: Mar 12, 2026
40.56 USD
0 (0%)
After Hours: 3/12/2026, 8:22:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This ACT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall ACT gets a fundamental rating of 5 out of 10. We evaluated ACT against 98 industry peers in the Financial Services industry. ACT has an average financial health and profitability rating. ACT is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

6

1. ACT Profitability Analysis

1.1 Basic Checks

  • ACT had positive earnings in the past year.
  • ACT had a positive operating cash flow in the past year.
  • In the past 5 years ACT has always been profitable.
  • ACT had a positive operating cash flow in 4 of the past 5 years.
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 2025 200M 400M 600M 800M

1.2 Ratios

  • The Return On Assets of ACT (9.60%) is better than 87.76% of its industry peers.
  • The Return On Equity of ACT (12.41%) is better than 67.35% of its industry peers.
Industry RankSector Rank
ROA 9.6%
ROE 12.41%
ROIC N/A
ROA(3y)10.36%
ROA(5y)10.55%
ROE(3y)13.58%
ROE(5y)14.24%
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 2025 5 10 15

1.3 Margins

  • ACT has a better Profit Margin (53.87%) than 92.86% of its industry peers.
  • In the last couple of years the Profit Margin of ACT has grown nicely.
  • Looking at the Operating Margin, with a value of 72.93%, ACT belongs to the top of the industry, outperforming 94.90% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ACT has grown nicely.
Industry RankSector Rank
OM 72.93%
PM (TTM) 53.87%
GM N/A
OM growth 3Y-5.36%
OM growth 5Y10.6%
PM growth 3Y-5.33%
PM growth 5Y10.3%
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 2025 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. ACT Health Analysis

2.1 Basic Checks

  • ACT has less shares outstanding than it did 1 year ago.
  • ACT has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ACT has been reduced compared to a year ago.
ACT Yearly Shares OutstandingACT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 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 has a better Debt to FCF ratio (1.06) than 78.57% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that ACT is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.14, ACT is doing good in the industry, outperforming 70.41% of the companies in the same industry.
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 2025 1B 2B 3B 4B 5B

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

More info and screens

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

4

3. ACT Growth Analysis

3.1 Past

  • ACT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.88%.
  • ACT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.75% yearly.
  • ACT shows a small growth in Revenue. In the last year, the Revenue has grown by 2.83%.
  • Measured over the past years, ACT shows a small growth in Revenue. The Revenue has been growing by 2.20% on average per year.
EPS 1Y (TTM)0.88%
EPS 3Y2.19%
EPS 5Y14.75%
EPS Q2Q%12.84%
Revenue 1Y (TTM)2.83%
Revenue growth 3Y4.12%
Revenue growth 5Y2.2%
Sales Q2Q%3.62%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.78% 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 2.40% yearly.
EPS Next Y3.42%
EPS Next 2Y4.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.39%
Revenue Next 2Y2.4%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
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

More info and screens

Find the best growth stocksShow best growing peers

6

4. ACT Valuation Analysis

4.1 Price/Earnings Ratio

  • ACT is valuated reasonably with a Price/Earnings ratio of 8.82.
  • Based on the Price/Earnings ratio, ACT is valued a bit cheaper than 63.27% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of ACT to the average of the S&P500 Index (25.71), we can say ACT is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.53, the valuation of ACT can be described as reasonable.
  • ACT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACT is cheaper than 61.22% 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 23.82.
Industry RankSector Rank
PE 8.82
Fwd PE 8.53
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

  • 80.61% 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 8.15
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 ACT does not grow enough to justify the current Price/Earnings ratio.
  • ACT has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.58
PEG (5Y)0.6
EPS Next 2Y4.78%
EPS Next 3YN/A

More info and screens

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

4

5. ACT Dividend Analysis

5.1 Amount

  • ACT has a Yearly Dividend Yield of 2.03%.
  • ACT's Dividend Yield is a higher than the industry average which is at 2.34.
  • ACT's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.03%

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 2026 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 2Y4.78%
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 2025 200M 400M 600M
ACT Dividend Payout.ACT Dividend Payout, showing the Payout Ratio.ACT Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ACT Fundamentals: All Metrics, Ratios and Statistics

ENACT HOLDINGS INC

NASDAQ:ACT (3/12/2026, 8:22:03 PM)

After market: 40.56 0 (0%)

40.56

+0.12 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners21.44%
Inst Owner Change-7.57%
Ins Owners0.58%
Ins Owner Change-3.88%
Market Cap5.74B
Revenue(TTM)1.24B
Net Income(TTM)659.82M
Analysts73.33
Price Target46.67 (15.06%)
Short Float %10.91%
Short Ratio10.57
Dividend
Industry RankSector Rank
Dividend Yield 2.03%
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP18.03%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-26
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)7.02%
PT rev (3m)12.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.23%
EPS NY rev (1m)1.4%
EPS NY rev (3m)1.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)-1.15%
Revenue NY rev (3m)-1.08%
Valuation
Industry RankSector Rank
PE 8.82
Fwd PE 8.53
P/S 4.69
P/FCF 8.15
P/OCF 8.15
P/B 1.08
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)4.6
EY11.34%
EPS(NY)4.76
Fwd EY11.73%
FCF(TTM)4.98
FCFY12.27%
OCF(TTM)4.98
OCFY12.27%
SpS8.66
BVpS37.58
TBVpS37.58
PEG (NY)2.58
PEG (5Y)0.6
Graham Number62.36
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)10.36%
ROA(5y)10.55%
ROE(3y)13.58%
ROE(5y)14.24%
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)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-5.36%
OM growth 5Y10.6%
PM growth 3Y-5.33%
PM growth 5Y10.3%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.88%
EPS 3Y2.19%
EPS 5Y14.75%
EPS Q2Q%12.84%
EPS Next Y3.42%
EPS Next 2Y4.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.83%
Revenue growth 3Y4.12%
Revenue growth 5Y2.2%
Sales Q2Q%3.62%
Revenue Next Year2.39%
Revenue Next 2Y2.4%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.22%
EBIT growth 3Y-1.46%
EBIT growth 5Y13.04%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-0.81%
OCF growth 3YN/A
OCF growth 5YN/A

ENACT HOLDINGS INC / ACT FAQ

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

ChartMill assigns a fundamental rating of 5 / 10 to ACT.


What is the valuation status for ACT stock?

ChartMill assigns a valuation rating of 6 / 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 6 / 10.


Can you provide the financial health for ACT stock?

The financial health rating of ENACT HOLDINGS INC (ACT) is 4 / 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 3.42% in the next year.