ACT Fundamental Analysis - ENACT HOLDINGS INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to ACT. ACT was compared to 101 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.

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1. Profitability

1.1 Basic Checks

In the past year ACT was profitable.

In the past year ACT had a positive cash flow from operations.

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

In the past 5 years ACT always reported a positive cash flow from operatings.

1.2 Ratios

With an excellent Return On Assets value of 10.31%, ACT belongs to the best of the industry, outperforming 89.11% of the companies in the same industry.

The Return On Equity of ACT (13.53%) is better than 71.29% 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 96.04% 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 96.04% of the companies in the same industry.

ACT's Operating Margin has been stable in the last couple of years.

		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

ACT has less shares outstanding than it did 1 year ago.

ACT has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, ACT has an improved debt to assets ratio.

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.

Looking at the Debt to FCF ratio, with a value of 1.02, ACT belongs to the top of the industry, outperforming 85.15% of the companies in the same industry.

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 72.28% 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

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.41% over the past year.

ACT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.98% yearly.

Looking at the last year, ACT shows a small growth in Revenue. The Revenue has grown by 3.16% 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)4.41%

EPS 3Y9.13%

EPS 5Y0.98%

EPS Q2Q%-9.45%

Revenue 1Y (TTM)3.16%

Revenue growth 3Y2.44%

Revenue growth 5Y4.19%

Sales Q2Q%2.03%

3.2 Future

Based on estimates for the next years, ACT will show a small growth in Earnings Per Share. The EPS will grow by 1.83% on average per year.

ACT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.54% yearly.

EPS Next Y-3.69%

EPS Next 2Y-0.24%

EPS Next 3Y1.83%

EPS Next 5YN/A

Revenue Next Year2.37%

Revenue Next 2Y3.33%

Revenue Next 3Y3.54%

Revenue Next 5YN/A

3.3 Evolution

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

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

The Price/Earnings ratio is 8.32, which indicates a very decent valuation of ACT.

79.21% of the companies in the same industry are more expensive than ACT, based on the Price/Earnings ratio.

ACT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.87.

A Price/Forward Earnings ratio of 8.25 indicates a reasonable valuation of ACT.

Based on the Price/Forward Earnings ratio, ACT is valued a bit cheaper than 69.31% of the companies in the same industry.

ACT is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.34, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.32
Fwd PE	8.25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ACT is valued cheaply inside the industry as 84.16% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.74
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)8.52

EPS Next 2Y-0.24%

EPS Next 3Y1.83%

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5. Dividend

5.1 Amount

ACT has a Yearly Dividend Yield of 2.34%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.39, ACT pays a bit more dividend than its industry peers.

ACT's Dividend Yield is comparable with the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	2.34%

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-0.24%

EPS Next 3Y1.83%

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ENACT HOLDINGS INC

NASDAQ:ACT (8/15/2025, 8:04:13 PM)

After market: 37.44 0 (0%)

37.44

-0.81 (-2.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)11-04 2025-11-04/amc

Inst Owners20.16%

Inst Owner Change-4.22%

Ins Owners0.43%

Ins Owner Change-2.96%

Market Cap5.62B

Analysts78

Price Target40.8 (8.97%)

Short Float %10.78%

Short Ratio7.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.34%

Yearly Dividend0.72

Dividend Growth(5Y)N/A

DP20.18%

Div Incr Years0

Div Non Decr Years0

Ex-Date08-18 2025-08-18 (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)1.27%

PT rev (3m)1.27%

EPS NQ rev (1m)-1.19%

EPS NQ rev (3m)-1.93%

EPS NY rev (1m)0%

EPS NY rev (3m)0.77%

Revenue NQ rev (1m)0.02%

Revenue NQ rev (3m)0.01%

Revenue NY rev (1m)-0.08%

Revenue NY rev (3m)-0.08%

Valuation

		Industry Rank	Sector Rank
PE	8.32
Fwd PE	8.25
P/S	4.62
P/FCF	7.74
P/OCF	7.74
P/B	1.1
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)4.5

EY12.02%

EPS(NY)4.54

Fwd EY12.12%

FCF(TTM)4.84

FCFY12.92%

OCF(TTM)4.84

OCFY12.92%

SpS8.11

BVpS34.11

TBVpS34.11

PEG (NY)N/A

PEG (5Y)8.52

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)4.41%

EPS 3Y9.13%

EPS 5Y0.98%

EPS Q2Q%-9.45%

EPS Next Y-3.69%

EPS Next 2Y-0.24%

EPS Next 3Y1.83%

EPS Next 5YN/A

Revenue 1Y (TTM)3.16%

Revenue growth 3Y2.44%

Revenue growth 5Y4.19%

Sales Q2Q%2.03%

Revenue Next Year2.37%

Revenue Next 2Y3.33%

Revenue Next 3Y3.54%

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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