ENACT HOLDINGS INC (ACT) Fundamental Analysis & Valuation

NASDAQ:ACT • US29249E1091

Current stock price

42.82 USD
+0.09 (+0.21%)
Last:

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

6

1. ACT Profitability Analysis

1.1 Basic Checks

  • In the past year ACT was profitable.
  • In the past year ACT had a positive cash flow from operations.
  • In the past 5 years ACT has always been profitable.
  • ACT had a positive operating cash flow in each 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

  • ACT has a Return On Assets of 9.78%. This is amongst the best in the industry. ACT outperforms 88.00% of its industry peers.
  • ACT's Return On Equity of 12.59% is fine compared to the rest of the industry. ACT outperforms 65.00% of its industry peers.
Industry RankSector Rank
ROA 9.78%
ROE 12.59%
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's Profit Margin of 54.56% is amongst the best of the industry. ACT outperforms 93.00% of its industry peers.
  • ACT's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 73.54%, ACT belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
  • ACT's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 73.54%
PM (TTM) 54.56%
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

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4

2. ACT Health Analysis

2.1 Basic Checks

  • ACT has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ACT has been reduced compared to 5 years ago.
  • ACT has a better debt/assets ratio than last year.
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

  • ACT has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of all of its debts.
  • ACT's Debt to FCF ratio of 1.03 is amongst the best of the industry. ACT outperforms 81.00% of its industry peers.
  • ACT has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • ACT has a Debt to Equity ratio of 0.14. This is in the better half of the industry: ACT outperforms 74.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.03
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 2025 5M 10M 15M 20M

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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

  • ACT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.45% yearly.
  • The Revenue is expected to grow by 2.03% on average over the next years.
EPS Next Y4.73%
EPS Next 2Y5.69%
EPS Next 3Y7.45%
EPS Next 5YN/A
Revenue Next Year2.31%
Revenue Next 2Y2.32%
Revenue Next 3Y2.03%
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same 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 2028 200M 400M 600M 800M 1B
ACT Yearly EPS VS EstimatesACT Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4 5

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5

4. ACT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.31, which indicates a very decent valuation of ACT.
  • 63.00% of the companies in the same industry are more expensive than ACT, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, ACT is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.89 indicates a reasonable valuation of ACT.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ACT indicates a somewhat cheap valuation: ACT is cheaper than 63.00% of the companies listed in the same industry.
  • ACT is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.31
Fwd PE 8.89
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

  • ACT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ACT is cheaper than 80.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.34
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.
  • The decent profitability rating of ACT may justify a higher PE ratio.
PEG (NY)1.97
PEG (5Y)0.63
EPS Next 2Y5.69%
EPS Next 3Y7.45%

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4

5. ACT Dividend Analysis

5.1 Amount

  • ACT has a Yearly Dividend Yield of 1.91%.
  • ACT's Dividend Yield is a higher than the industry average which is at 1.81.
  • ACT's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.91%

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

  • 17.92% of the earnings are spent on dividend by ACT. This is a low number and sustainable payout ratio.
DP17.92%
EPS Next 2Y5.69%
EPS Next 3Y7.45%
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

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ACT Fundamentals: All Metrics, Ratios and Statistics

ENACT HOLDINGS INC

NASDAQ:ACT (5/1/2026, 3:19:00 PM)

42.82

+0.09 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength37.27
Industry Growth65.84
Earnings (Last)02-03
Earnings (Next)05-05
Inst Owners21.94%
Inst Owner Change0.06%
Ins Owners0.58%
Ins Owner Change-3.81%
Market Cap6.05B
Revenue(TTM)1.24B
Net Income(TTM)674.24M
Analysts73.33
Price Target43.04 (0.51%)
Short Float %13.43%
Short Ratio11.97
Dividend
Industry RankSector Rank
Dividend Yield 1.91%
Yearly Dividend0.82
Dividend Growth(5Y)N/A
DP17.92%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-26
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.6%
Min EPS beat(2)1.73%
Max EPS beat(2)11.47%
EPS beat(4)4
Avg EPS beat(4)4.39%
Min EPS beat(4)1.16%
Max EPS beat(4)11.47%
EPS beat(8)8
Avg EPS beat(8)8.93%
EPS beat(12)12
Avg EPS beat(12)12.28%
EPS beat(16)16
Avg EPS beat(16)15.5%
Revenue beat(2)0
Avg Revenue beat(2)-1.71%
Min Revenue beat(2)-2.26%
Max Revenue beat(2)-1.16%
Revenue beat(4)1
Avg Revenue beat(4)-1.2%
Min Revenue beat(4)-2.26%
Max Revenue beat(4)0.5%
Revenue beat(8)2
Avg Revenue beat(8)-1.35%
Revenue beat(12)4
Avg Revenue beat(12)-0.96%
Revenue beat(16)5
Avg Revenue beat(16)-0.95%
PT rev (1m)-7.77%
PT rev (3m)-0.13%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)1.74%
EPS NY rev (1m)1.27%
EPS NY rev (3m)2.69%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)-1.13%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-1.23%
Valuation
Industry RankSector Rank
PE 9.31
Fwd PE 8.89
P/S 4.89
P/FCF 8.34
P/OCF 8.34
P/B 1.13
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)4.6
EY10.74%
EPS(NY)4.82
Fwd EY11.25%
FCF(TTM)5.13
FCFY11.98%
OCF(TTM)5.13
OCFY11.98%
SpS8.75
BVpS37.93
TBVpS37.93
PEG (NY)1.97
PEG (5Y)0.63
Graham Number62.6549 (46.32%)
Profitability
Industry RankSector Rank
ROA 9.78%
ROE 12.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 73.54%
PM (TTM) 54.56%
GM N/A
FCFM 58.63%
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)14.09%
ROCE(5y)14.34%
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 1.03
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 19.18
Cash Conversion N/A
Profit Quality 107.46%
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)100.72%
Profit Quality(5y)97.28%
High Growth Momentum
Growth
EPS 1Y (TTM)0.88%
EPS 3Y2.19%
EPS 5Y14.75%
EPS Q2Q%12.84%
EPS Next Y4.73%
EPS Next 2Y5.69%
EPS Next 3Y7.45%
EPS Next 5YN/A
Revenue 1Y (TTM)2.83%
Revenue growth 3Y4.12%
Revenue growth 5Y2.2%
Sales Q2Q%3.62%
Revenue Next Year2.31%
Revenue Next 2Y2.32%
Revenue Next 3Y2.03%
Revenue Next 5YN/A
EBIT growth 1Y-3.34%
EBIT growth 3Y-1.46%
EBIT growth 5Y13.04%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.57%
FCF growth 3Y8.93%
FCF growth 5Y0.56%
OCF growth 1Y5.57%
OCF growth 3Y8.93%
OCF growth 5Y0.56%

ENACT HOLDINGS INC / ACT Fundamental Analysis 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 5 / 10 to ENACT HOLDINGS INC (ACT). This can be considered as Fairly Valued.


What is the profitability of ACT stock?

ENACT HOLDINGS INC (ACT) has a profitability rating of 6 / 10.


What is the valuation of ENACT HOLDINGS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ENACT HOLDINGS INC (ACT) is 9.31 and the Price/Book (PB) ratio is 1.13.


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 4.73% in the next year.