39.025 USD
+0.59 (+1.52%)
39.025 USD
0 (0%)
ACT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 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.
1. Profitability
1.1 Basic Checks
- In the past year ACT was profitable.
- 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 has a better Return On Assets (9.60%) than 88.66% of its industry peers.
- ACT has a better Return On Equity (12.41%) than 68.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.6% | ||
| ROE | 12.41% | ||
| 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 53.87% is amongst the best of the industry. ACT outperforms 92.78% of its industry peers.
- ACT's Profit Margin has declined in the last couple of years.
- With an excellent Operating Margin value of 72.93%, ACT belongs to the best of the industry, outperforming 94.85% 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 | 72.93% | ||
| PM (TTM) | 53.87% | ||
| 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.
- 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 81.44% 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.
- With a decent Debt to Equity ratio value of 0.14, ACT is doing good in the industry, outperforming 71.13% 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
- The Earnings Per Share has been growing slightly by 0.22% 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.
- The Revenue has been growing slightly by 2.40% 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)0.22%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%-3.45%
Revenue 1Y (TTM)2.4%
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 3.58% on average per year.
- Based on estimates for the next years, ACT will show a small growth in Revenue. The Revenue will grow by 2.85% on average per year.
EPS Next Y-0.77%
EPS Next 2Y1.4%
EPS Next 3Y3.58%
EPS Next 5YN/A
Revenue Next Year2.53%
Revenue Next 2Y3.01%
Revenue Next 3Y2.85%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.75, the valuation of ACT can be described as very reasonable.
- 69.07% of the companies in the same industry are more expensive than ACT, based on the Price/Earnings ratio.
- ACT is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 8.32, which indicates a very decent valuation of ACT.
- 64.95% of the companies in the same industry are more expensive than ACT, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, ACT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.75 | ||
| Fwd PE | 8.32 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ACT is valued cheaply inside the industry as 80.41% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.96
EPS Next 2Y1.4%
EPS Next 3Y3.58%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.17%, ACT has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.24, ACT pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.86, ACT has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
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 18.03% of its income as dividend. This is a sustainable payout ratio.
DP18.03%
EPS Next 2Y1.4%
EPS Next 3Y3.58%
39.025
+0.59 (+1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-03 2026-02-03/amc
Inst Owners21.73%
Inst Owner Change0.11%
Ins Owners0.42%
Ins Owner Change-4.36%
Market Cap5.64B
Revenue(TTM)1.22B
Net Income(TTM)659.82M
Analysts73.33
Price Target43.1 (10.44%)
Short Float %11.7%
Short Ratio11.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP18.03%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.47%
Min EPS beat(2)1.73%
Max EPS beat(2)3.2%
EPS beat(4)4
Avg EPS beat(4)2.59%
Min EPS beat(4)1.16%
Max EPS beat(4)4.27%
EPS beat(8)8
Avg EPS beat(8)8.21%
EPS beat(12)12
Avg EPS beat(12)11.62%
EPS beat(16)16
Avg EPS beat(16)15.56%
Revenue beat(2)0
Avg Revenue beat(2)-1.51%
Min Revenue beat(2)-1.86%
Max Revenue beat(2)-1.16%
Revenue beat(4)1
Avg Revenue beat(4)-1.48%
Min Revenue beat(4)-3.4%
Max Revenue beat(4)0.5%
Revenue beat(8)2
Avg Revenue beat(8)-1.24%
Revenue beat(12)4
Avg Revenue beat(12)-0.87%
Revenue beat(16)5
Avg Revenue beat(16)-1.03%
PT rev (1m)4.06%
PT rev (3m)5.63%
EPS NQ rev (1m)-0.23%
EPS NQ rev (3m)-0.23%
EPS NY rev (1m)0%
EPS NY rev (3m)1.19%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.75 | ||
| Fwd PE | 8.32 | ||
| P/S | 4.6 | ||
| P/FCF | 8 | ||
| P/OCF | 8 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY11.43%
EPS(NY)4.69
Fwd EY12.02%
FCF(TTM)4.88
FCFY12.5%
OCF(TTM)4.88
OCFY12.5%
SpS8.48
BVpS36.82
TBVpS36.82
PEG (NY)N/A
PEG (5Y)8.96
Graham Number60.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.6% | ||
| ROE | 12.41% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 72.93% | ||
| PM (TTM) | 53.87% | ||
| GM | N/A | ||
| FCFM | 57.51% |
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 | 106.75% | ||
| 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-0.77%
EPS Next 2Y1.4%
EPS Next 3Y3.58%
EPS Next 5YN/A
Revenue 1Y (TTM)2.4%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%0.6%
Revenue Next Year2.53%
Revenue Next 2Y3.01%
Revenue Next 3Y2.85%
Revenue Next 5YN/A
EBIT growth 1Y-4.22%
EBIT growth 3Y8.01%
EBIT growth 5Y5.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.32%
FCF growth 3Y6.25%
FCF growth 5Y6.54%
OCF growth 1Y17.32%
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 for 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.
Can you provide the financial health for ACT stock?
The financial health rating of ENACT HOLDINGS INC (ACT) is 4 / 10.
What is the earnings growth outlook for ENACT HOLDINGS INC?
The Earnings per Share (EPS) of ENACT HOLDINGS INC (ACT) is expected to decline by -0.77% in the next year.