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 102 industry peers in the Financial Services industry. Both the profitability and the financial health of ACT get a neutral evaluation. Nothing too spectacular is happening here. ACT is not valued too expensively and it also shows a decent growth rate.

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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.

Each year in the past 5 years ACT has been profitable.

Each year in the past 5 years ACT had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 9.99%, ACT belongs to the top of the industry, outperforming 90.20% 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 67.65% 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 93.14% of its industry peers.

ACT's Profit Margin has declined in the last couple of years.

The Operating Margin of ACT (74.60%) is better than 95.10% 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

Compared to 1 year ago, ACT has less shares outstanding

ACT has less shares outstanding than it did 5 years ago.

ACT has a better debt/assets ratio than last year.

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.

The Debt to FCF ratio of ACT (1.06) is better than 85.29% 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 76.47% 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%.

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.

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 2.68% on average per year.

ACT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.96% yearly.

EPS Next Y-3.43%

EPS Next 2Y0.2%

EPS Next 3Y2.68%

EPS Next 5YN/A

Revenue Next Year2.04%

Revenue Next 2Y2.78%

Revenue Next 3Y2.96%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.57, the valuation of ACT can be described as reasonable.

Based on the Price/Earnings ratio, ACT is valued cheaply inside the industry as 81.37% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 27.06. ACT is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 8.42, which indicates a very decent valuation of ACT.

Based on the Price/Forward Earnings ratio, ACT is valued a bit cheaper than the industry average as 70.59% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.69. ACT is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.57
Fwd PE	8.42

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ACT is valued cheaply inside the industry as 81.37% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	8.12
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)8.77

EPS Next 2Y0.2%

EPS Next 3Y2.68%

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5. Dividend

5.1 Amount

ACT has a Yearly Dividend Yield of 2.19%.

ACT's Dividend Yield is a higher than the industry average which is at 4.58.

ACT's Dividend Yield is comparable with the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	2.19%

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 2Y0.2%

EPS Next 3Y2.68%

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ENACT HOLDINGS INC

NASDAQ:ACT (9/5/2025, 8:00:01 PM)

After market: 38.57 0 (0%)

38.57

+0.17 (+0.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

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

Earnings (Next)11-04 2025-11-04/amc

Inst Owners20.16%

Inst Owner Change6.06%

Ins Owners0.43%

Ins Owner Change-2.74%

Market Cap5.69B

Analysts76

Price Target40.8 (5.78%)

Short Float %11.62%

Short Ratio8.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.19%

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)1.27%

EPS NQ rev (1m)0.37%

EPS NQ rev (3m)-1.1%

EPS NY rev (1m)0.27%

EPS NY rev (3m)0.15%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.22%

Revenue NY rev (1m)-0.32%

Revenue NY rev (3m)-0.4%

Valuation

		Industry Rank	Sector Rank
PE	8.57
Fwd PE	8.42
P/S	4.65
P/FCF	8.12
P/OCF	8.12
P/B	1.09
P/tB	1.09
EV/EBITDA	N/A

EPS(TTM)4.5

EY11.67%

EPS(NY)4.58

Fwd EY11.87%

FCF(TTM)4.75

FCFY12.31%

OCF(TTM)4.75

OCFY12.31%

SpS8.29

BVpS35.41

TBVpS35.41

PEG (NY)N/A

PEG (5Y)8.77

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-3.43%

EPS Next 2Y0.2%

EPS Next 3Y2.68%

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

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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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