40.44 USD
+0.09 (+0.22%)
40.44 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to ACT. 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.
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.
In the past 5 years ACT has always been profitable.
ACT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ACT has a better Return On Assets (9.60%) than 88.89% of its industry peers.
With a decent Return On Equity value of 12.41%, ACT is doing good in the industry, outperforming 68.69% of the companies in the same industry.
| 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
With an excellent Profit Margin value of 53.87%, ACT belongs to the best of the industry, outperforming 92.93% of the companies in the same industry.
ACT's Profit Margin has declined in the last couple of years.
ACT has a better Operating Margin (72.93%) than 94.95% of its industry peers.
In the last couple of years the Operating Margin of ACT has remained more or less at the same level.
| 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
ACT has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, ACT has less shares outstanding
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.
ACT's Debt to FCF ratio of 1.06 is amongst the best of the industry. ACT outperforms 80.81% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that ACT is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.14, ACT is in the better half of the industry, outperforming 71.72% 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.
The Earnings Per Share has been growing slightly by 0.98% on average over the past years.
The Revenue has been growing slightly by 2.40% in the past year.
ACT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.19% yearly.
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 3.48% on average per year.
The Revenue is expected to grow by 2.83% on average over the next years.
EPS Next Y-0.77%
EPS Next 2Y1.27%
EPS Next 3Y3.48%
EPS Next 5YN/A
Revenue Next Year2.53%
Revenue Next 2Y3.01%
Revenue Next 3Y2.83%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.07 indicates a reasonable valuation of ACT.
Based on the Price/Earnings ratio, ACT is valued a bit cheaper than the industry average as 69.70% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of ACT to the average of the S&P500 Index (26.50), we can say ACT is valued rather cheaply.
ACT is valuated reasonably with a Price/Forward Earnings ratio of 8.65.
Based on the Price/Forward Earnings ratio, ACT is valued a bit cheaper than 63.64% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.93, ACT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.07 | ||
| Fwd PE | 8.65 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ACT is valued cheaper than 80.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)9.28
EPS Next 2Y1.27%
EPS Next 3Y3.48%
5. Dividend
5.1 Amount
ACT has a Yearly Dividend Yield of 2.07%.
Compared to an average industry Dividend Yield of 2.43, ACT pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, ACT has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
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
18.03% of the earnings are spent on dividend by ACT. This is a low number and sustainable payout ratio.
DP18.03%
EPS Next 2Y1.27%
EPS Next 3Y3.48%
40.44
+0.09 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners21.72%
Inst Owner Change0.44%
Ins Owners0.42%
Ins Owner Change-4.14%
Market Cap5.84B
Revenue(TTM)1.22B
Net Income(TTM)659.82M
Analysts73.33
Price Target41.41 (2.4%)
Short Float %12.31%
Short Ratio12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP18.03%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)0.25%
PT rev (3m)1.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.11%
EPS NY rev (1m)1.36%
EPS NY rev (3m)2.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.1%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.07 | ||
| Fwd PE | 8.65 | ||
| P/S | 4.77 | ||
| P/FCF | 8.29 | ||
| P/OCF | 8.29 | ||
| P/B | 1.1 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY11.03%
EPS(NY)4.68
Fwd EY11.56%
FCF(TTM)4.88
FCFY12.06%
OCF(TTM)4.88
OCFY12.06%
SpS8.48
BVpS36.82
TBVpS36.82
PEG (NY)N/A
PEG (5Y)9.28
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 2Y1.27%
EPS Next 3Y3.48%
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 3Y2.83%
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 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 9.07 and the Price/Book (PB) ratio is 1.1.
What is the financial health of ENACT HOLDINGS INC (ACT) stock?
The financial health rating of ENACT HOLDINGS INC (ACT) is 4 / 10.