ENACT HOLDINGS INC (ACT) Stock Fundamental Analysis
USA - NASDAQ:ACT - US29249E1091 - Common Stock
37.6 USD
-0.04 (-0.11%)
37.6 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to ACT. ACT was compared to 97 industry peers in the Financial Services industry. ACT has an average financial health and profitability rating. ACT has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year ACT was profitable.
ACT had a positive operating cash flow in the past year.
Each year in the past 5 years ACT has been profitable.
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 9.99%, ACT belongs to the best of the industry, outperforming 90.72% of the companies in the same industry.
ACT's Return On Equity of 12.96% is fine compared to the rest of the industry. ACT outperforms 65.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.99% | ||
| ROE | 12.96% | ||
| 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
ACT's Profit Margin of 55.35% is amongst the best of the industry. ACT outperforms 94.85% of its industry peers.
In the last couple of years the Profit Margin of ACT has declined.
ACT's Operating Margin of 74.60% is amongst the best of the industry. ACT outperforms 94.85% of its industry peers.
ACT's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 74.6% | ||
| PM (TTM) | 55.35% | ||
| 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.
The number of shares outstanding for ACT has been reduced compared to 5 years ago.
The debt/assets ratio for ACT has been reduced compared to a year ago.
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.
With an excellent Debt to FCF ratio value of 1.06, ACT belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.
ACT has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.14, ACT is in the better half of the industry, outperforming 77.32% of the companies in the same industry.
| 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%.
The Earnings Per Share has been growing slightly by 0.98% on average over the past years.
ACT shows a small growth in Revenue. In the last year, the Revenue has grown by 4.17%.
Measured over the past years, ACT shows a small growth in Revenue. The Revenue has been growing by 4.19% on average per year.
EPS 1Y (TTM)0.22%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%-3.45%
Revenue 1Y (TTM)4.17%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%0.6%
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 2.99% on average per year.
The Revenue is expected to grow by 3.19% on average over the next years.
EPS Next Y-2.1%
EPS Next 2Y0.31%
EPS Next 3Y2.99%
EPS Next 5YN/A
Revenue Next Year2.28%
Revenue Next 2Y3.01%
Revenue Next 3Y3.19%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.43, which indicates a very decent valuation of ACT.
Based on the Price/Earnings ratio, ACT is valued a bit cheaper than the industry average as 73.20% of the companies are valued more expensively.
ACT is valuated cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.20, the valuation of ACT can be described as reasonable.
Based on the Price/Forward Earnings ratio, ACT is valued a bit cheaper than 64.95% of the companies in the same industry.
ACT is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.43 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACT indicates a somewhat cheap valuation: ACT is cheaper than 79.38% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.63
EPS Next 2Y0.31%
EPS Next 3Y2.99%
5. Dividend
5.1 Amount
ACT has a Yearly Dividend Yield of 2.23%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.49, ACT pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, ACT has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
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
17.25% of the earnings are spent on dividend by ACT. This is a low number and sustainable payout ratio.
DP17.25%
EPS Next 2Y0.31%
EPS Next 3Y2.99%
37.6
-0.04 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners21.96%
Inst Owner Change0.98%
Ins Owners0.41%
Ins Owner Change-3.94%
Market Cap5.55B
Revenue(TTM)1.20B
Net Income(TTM)676.99M
Analysts73.33
Price Target41.31 (9.87%)
Short Float %11.08%
Short Ratio8.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP17.25%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.18%
Min EPS beat(2)1.16%
Max EPS beat(2)3.2%
EPS beat(4)4
Avg EPS beat(4)5.92%
Min EPS beat(4)1.16%
Max EPS beat(4)15.04%
EPS beat(8)8
Avg EPS beat(8)9.69%
EPS beat(12)12
Avg EPS beat(12)14.26%
EPS beat(16)16
Avg EPS beat(16)15.63%
Revenue beat(2)1
Avg Revenue beat(2)-0.68%
Min Revenue beat(2)-1.86%
Max Revenue beat(2)0.5%
Revenue beat(4)2
Avg Revenue beat(4)-1.14%
Min Revenue beat(4)-3.4%
Max Revenue beat(4)0.5%
Revenue beat(8)3
Avg Revenue beat(8)-0.9%
Revenue beat(12)4
Avg Revenue beat(12)-0.85%
Revenue beat(16)5
Avg Revenue beat(16)-1%
PT rev (1m)1.25%
PT rev (3m)1.25%
EPS NQ rev (1m)-0.23%
EPS NQ rev (3m)1.87%
EPS NY rev (1m)-0.17%
EPS NY rev (3m)1.65%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.43 | ||
| Fwd PE | 8.2 | ||
| P/S | 4.53 | ||
| P/FCF | 7.92 | ||
| P/OCF | 7.92 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY11.86%
EPS(NY)4.59
Fwd EY12.2%
FCF(TTM)4.75
FCFY12.63%
OCF(TTM)4.75
OCFY12.63%
SpS8.29
BVpS35.41
TBVpS35.41
PEG (NY)N/A
PEG (5Y)8.63
Graham Number59.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.99% | ||
| ROE | 12.96% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 74.6% | ||
| PM (TTM) | 55.35% | ||
| GM | N/A | ||
| FCFM | 57.28% |
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 | 103.47% | ||
| 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-2.1%
EPS Next 2Y0.31%
EPS Next 3Y2.99%
EPS Next 5YN/A
Revenue 1Y (TTM)4.17%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%0.6%
Revenue Next Year2.28%
Revenue Next 2Y3.01%
Revenue Next 3Y3.19%
Revenue Next 5YN/A
EBIT growth 1Y-0.5%
EBIT growth 3Y8.01%
EBIT growth 5Y5.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y28.3%
FCF growth 3Y6.25%
FCF growth 5Y6.54%
OCF growth 1Y28.3%
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 8.43 and the Price/Book (PB) ratio is 1.06.
What is the financial health of ENACT HOLDINGS INC (ACT) stock?
The financial health rating of ENACT HOLDINGS INC (ACT) is 4 / 10.