Logo image of ACT

ENACT HOLDINGS INC (ACT) Stock Fundamental Analysis

NASDAQ:ACT - Nasdaq - US29249E1091 - Common Stock - Currency: USD

34.85  -0.24 (-0.68%)

After market: 34.85 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to ACT. ACT was compared to 100 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

Quickly go to:

5

1. Profitability

1.1 Basic Checks

ACT had positive earnings in the past year.
In the past year ACT had a positive cash flow from operations.
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.
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 200M 400M 600M 800M

1.2 Ratios

ACT has a Return On Assets of 10.31%. This is amongst the best in the industry. ACT outperforms 89.00% of its industry peers.
ACT's Return On Equity of 13.53% is fine compared to the rest of the industry. ACT outperforms 69.00% of its industry peers.
Industry RankSector 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
ACT Yearly ROA, ROE, ROICACT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

ACT has a better Profit Margin (56.93%) than 96.00% of its industry peers.
In the last couple of years the Profit Margin of ACT has declined.
Looking at the Operating Margin, with a value of 77.65%, ACT belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
ACT's Operating Margin has been stable in the last couple of years.
Industry RankSector 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
ACT Yearly Profit, Operating, Gross MarginsACT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

More info and screens

4

2. Health

2.1 Basic Checks

The number of shares outstanding for ACT has been reduced compared to 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.
ACT Yearly Shares OutstandingACT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B

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.
The Debt to FCF ratio of ACT (1.02) is better than 85.00% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that ACT is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.15, ACT is in the better half of the industry, outperforming 72.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.02
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 1B 2B 3B 4B

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

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.24% over the past year.
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.
Looking at the last year, ACT shows a small growth in Revenue. The Revenue has grown by 4.53% in the last year.
The Revenue has been growing slightly by 4.19% on average over the past years.
EPS 1Y (TTM)13.24%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%5.77%
Revenue 1Y (TTM)4.53%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%5.21%

3.2 Future

The Earnings Per Share is expected to grow by 1.83% on average over the next years.
The Revenue is expected to grow by 3.67% on average over the next years.
EPS Next Y-3.69%
EPS Next 2Y-0.24%
EPS Next 3Y1.83%
EPS Next 5YN/A
Revenue Next Year2.45%
Revenue Next 2Y3.45%
Revenue Next 3Y3.67%
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.
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

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.54, which indicates a rather cheap valuation of ACT.
Based on the Price/Earnings ratio, ACT is valued cheaply inside the industry as 84.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.54, ACT is valued rather cheaply.
The Price/Forward Earnings ratio is 7.68, which indicates a rather cheap valuation of ACT.
Based on the Price/Forward Earnings ratio, ACT is valued a bit cheaper than 68.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.44. ACT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.54
Fwd PE 7.68
ACT Price Earnings VS Forward Price EarningsACT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACT indicates a rather cheap valuation: ACT is cheaper than 86.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.21
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

PEG (NY)N/A
PEG (5Y)7.72
EPS Next 2Y-0.24%
EPS Next 3Y1.83%

More info and screens

4

5. Dividend

5.1 Amount

ACT has a Yearly Dividend Yield of 2.39%.
ACT's Dividend Yield is a higher than the industry average which is at 5.06.
Compared to an average S&P500 Dividend Yield of 2.35, ACT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.39%

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 0.5 1 1.5

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%
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 200M 400M 600M
ACT Dividend Payout.ACT Dividend Payout, showing the Payout Ratio.ACT Dividend Payout.PayoutRetained Earnings

More info and screens

ENACT HOLDINGS INC

NASDAQ:ACT (7/18/2025, 8:00:00 PM)

After market: 34.85 0 (0%)

34.85

-0.24 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-30 2025-07-30/amc
Inst Owners20.15%
Inst Owner Change-1.58%
Ins Owners0.43%
Ins Owner Change-2.72%
Market Cap5.23B
Analysts78
Price Target40.55 (16.36%)
Short Float %11.05%
Short Ratio6.78
Dividend
Industry RankSector Rank
Dividend Yield 2.39%
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP20.18%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-19 2025-05-19 (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)0.63%
PT rev (3m)1.27%
EPS NQ rev (1m)-0.3%
EPS NQ rev (3m)1.21%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)0.77%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.13%
Valuation
Industry RankSector Rank
PE 7.54
Fwd PE 7.68
P/S 4.3
P/FCF 7.21
P/OCF 7.21
P/B 1.02
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)4.62
EY13.26%
EPS(NY)4.54
Fwd EY13.02%
FCF(TTM)4.84
FCFY13.88%
OCF(TTM)4.84
OCFY13.88%
SpS8.11
BVpS34.11
TBVpS34.11
PEG (NY)N/A
PEG (5Y)7.72
Profitability
Industry RankSector 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 RankSector 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)13.24%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%5.77%
EPS Next Y-3.69%
EPS Next 2Y-0.24%
EPS Next 3Y1.83%
EPS Next 5YN/A
Revenue 1Y (TTM)4.53%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%5.21%
Revenue Next Year2.45%
Revenue Next 2Y3.45%
Revenue Next 3Y3.67%
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%