ACT Fundamental Analysis - ENACT HOLDINGS INC

Fundamental Rating

Taking everything into account, ACT scores 5 out of 10 in our fundamental rating. ACT was compared to 99 industry peers in the Financial Services industry. ACT has only an average score on both its financial health and profitability. ACT has a decent growth rate and is not valued too expensively.

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1. Profitability

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.

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

1.2 Ratios

ACT's Return On Assets of 9.99% is amongst the best of the industry. ACT outperforms 89.90% of its industry peers.

ACT has a better Return On Equity (12.96%) than 66.67% 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 has a Profit Margin of 55.35%. This is amongst the best in the industry. ACT outperforms 93.94% of its industry peers.

In the last couple of years the Profit Margin of ACT has declined.

The Operating Margin of ACT (74.60%) is better than 94.95% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The debt/assets ratio for ACT has been reduced compared to a year ago.

2.2 Solvency

ACT has a debt to FCF ratio of 1.06. This is a very positive value and a sign of high solvency as it would only need 1.06 years to pay back of all of its debts.

ACT has a Debt to FCF ratio of 1.06. This is amongst the best in the industry. ACT outperforms 83.84% 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.

The Debt to Equity ratio of ACT (0.14) is better than 76.77% of its industry peers.

		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

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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

ACT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.41%.

The Earnings Per Share has been growing slightly by 0.98% on average over the past years.

The Revenue has been growing slightly by 3.16% in the past year.

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)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 3.70% on average per year.

The Revenue is expected to grow by 2.96% on average over the next years.

EPS Next Y-1.93%

EPS Next 2Y1.02%

EPS Next 3Y3.7%

EPS Next 5YN/A

Revenue Next Year2.04%

Revenue Next 2Y2.78%

Revenue Next 3Y2.96%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.94, which indicates a rather cheap valuation of ACT.

81.82% 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 27.42, ACT is valued rather cheaply.

The Price/Forward Earnings ratio is 7.67, which indicates a rather cheap valuation of ACT.

Based on the Price/Forward Earnings ratio, ACT is valued a bit cheaper than 71.72% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, ACT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.94
Fwd PE	7.67

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 80.81% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.52
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)8.12

EPS Next 2Y1.02%

EPS Next 3Y3.7%

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5. Dividend

5.1 Amount

ACT has a Yearly Dividend Yield of 2.40%. Purely for dividend investing, there may be better candidates out there.

ACT's Dividend Yield is a higher than the industry average which is at 5.15.

ACT's Dividend Yield is comparable with the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	2.4%

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

ACT pays out 17.25% of its income as dividend. This is a sustainable payout ratio.

DP17.25%

EPS Next 2Y1.02%

EPS Next 3Y3.7%

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ENACT HOLDINGS INC

NASDAQ:ACT (10/20/2025, 2:49:17 PM)

35.71

+0.18 (+0.51%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

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

Earnings (Next)11-05 2025-11-05/amc

Inst Owners21.96%

Inst Owner Change0.19%

Ins Owners0.41%

Ins Owner Change-3.6%

Market Cap5.27B

Analysts73.33

Price Target40.8 (14.25%)

Short Float %11.08%

Short Ratio8.53

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.4%

Yearly Dividend0.72

Dividend Growth(5Y)N/A

DP17.25%

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)2.18%

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)0%

PT rev (3m)0.63%

EPS NQ rev (1m)1.49%

EPS NQ rev (3m)1.87%

EPS NY rev (1m)1.55%

EPS NY rev (3m)1.82%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.54%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.4%

Valuation

		Industry Rank	Sector Rank
PE	7.94
Fwd PE	7.67
P/S	4.31
P/FCF	7.52
P/OCF	7.52
P/B	1.01
P/tB	1.01
EV/EBITDA	N/A

EPS(TTM)4.5

EY12.6%

EPS(NY)4.65

Fwd EY13.03%

FCF(TTM)4.75

FCFY13.3%

OCF(TTM)4.75

OCFY13.3%

SpS8.29

BVpS35.41

TBVpS35.41

PEG (NY)N/A

PEG (5Y)8.12

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

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-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)4.41%

EPS 3Y9.13%

EPS 5Y0.98%

EPS Q2Q%-9.45%

EPS Next Y-1.93%

EPS Next 2Y1.02%

EPS Next 3Y3.7%

EPS Next 5YN/A

Revenue 1Y (TTM)3.16%

Revenue growth 3Y2.44%

Revenue growth 5Y4.19%

Sales Q2Q%2.03%

Revenue Next Year2.04%

Revenue Next 2Y2.78%

Revenue Next 3Y2.96%

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) 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

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

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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