ENACT HOLDINGS INC (ACT) Fundamental Analysis & Valuation

NASDAQ:ACT • US29249E1091

Current stock price

41.35 USD
+0.78 (+1.92%)
At close:
41.35 USD
0 (0%)
After Hours:

This ACT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ACT Profitability Analysis

1.1 Basic Checks

  • ACT had positive earnings in the past year.
  • ACT had a positive operating cash flow in the past year.
  • ACT had positive earnings in each of the past 5 years.
  • ACT had a positive operating cash flow in each of the past 5 years.
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 2025 200M 400M 600M 800M

1.2 Ratios

  • ACT has a Return On Assets of 9.78%. This is amongst the best in the industry. ACT outperforms 88.00% of its industry peers.
  • The Return On Equity of ACT (12.59%) is better than 66.00% of its industry peers.
Industry RankSector Rank
ROA 9.78%
ROE 12.59%
ROIC N/A
ROA(3y)10.36%
ROA(5y)10.55%
ROE(3y)13.58%
ROE(5y)14.24%
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 2025 5 10 15

1.3 Margins

  • The Profit Margin of ACT (54.56%) is better than 93.00% of its industry peers.
  • In the last couple of years the Profit Margin of ACT has grown nicely.
  • With an excellent Operating Margin value of 73.54%, ACT belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ACT has grown nicely.
Industry RankSector Rank
OM 73.54%
PM (TTM) 54.56%
GM N/A
OM growth 3Y-5.36%
OM growth 5Y10.6%
PM growth 3Y-5.33%
PM growth 5Y10.3%
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 2025 20 40 60 80

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4

2. ACT Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for ACT has been reduced compared to 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.
ACT Yearly Shares OutstandingACT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B

2.2 Solvency

  • ACT has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.03, ACT is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.14 indicates that ACT is not too dependend on debt financing.
  • ACT's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. ACT outperforms 73.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.03
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 2025 1B 2B 3B 4B 5B

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 2025 5M 10M 15M 20M

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4

3. ACT Growth Analysis

3.1 Past

  • ACT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.88%.
  • ACT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.75% yearly.
  • Looking at the last year, ACT shows a small growth in Revenue. The Revenue has grown by 2.83% in the last year.
  • ACT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.20% yearly.
EPS 1Y (TTM)0.88%
EPS 3Y2.19%
EPS 5Y14.75%
EPS Q2Q%12.84%
Revenue 1Y (TTM)2.83%
Revenue growth 3Y4.12%
Revenue growth 5Y2.2%
Sales Q2Q%3.62%

3.2 Future

  • ACT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.78% yearly.
  • ACT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.03% yearly.
EPS Next Y3.42%
EPS Next 2Y4.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.47%
Revenue Next 2Y2.4%
Revenue Next 3Y2.03%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 stable.
ACT Yearly Revenue VS EstimatesACT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 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 5

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5

4. ACT Valuation Analysis

4.1 Price/Earnings Ratio

  • ACT is valuated reasonably with a Price/Earnings ratio of 8.99.
  • Based on the Price/Earnings ratio, ACT is valued a bit cheaper than 63.00% of the companies in the same industry.
  • ACT is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • ACT is valuated reasonably with a Price/Forward Earnings ratio of 8.69.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ACT is on the same level as its industry peers.
  • ACT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 8.99
Fwd PE 8.69
ACT Price Earnings VS Forward Price EarningsACT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACT indicates a somewhat cheap valuation: ACT is cheaper than 79.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.08
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ACT does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of ACT may justify a higher PE ratio.
PEG (NY)2.63
PEG (5Y)0.61
EPS Next 2Y4.78%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. ACT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.09%, ACT has a reasonable but not impressive dividend return.
  • ACT's Dividend Yield is a higher than the industry average which is at 2.18.
  • Compared to an average S&P500 Dividend Yield of 1.90, ACT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.09%

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 2026 0.5 1 1.5

5.3 Sustainability

  • 17.92% of the earnings are spent on dividend by ACT. This is a low number and sustainable payout ratio.
DP17.92%
EPS Next 2Y4.78%
EPS Next 3YN/A
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 2025 200M 400M 600M
ACT Dividend Payout.ACT Dividend Payout, showing the Payout Ratio.ACT Dividend Payout.PayoutRetained Earnings

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ACT Fundamentals: All Metrics, Ratios and Statistics

ENACT HOLDINGS INC

NASDAQ:ACT (4/2/2026, 8:06:56 PM)

After market: 41.35 0 (0%)

41.35

+0.78 (+1.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners21.44%
Inst Owner Change0%
Ins Owners0.58%
Ins Owner Change-3.81%
Market Cap5.85B
Revenue(TTM)1.24B
Net Income(TTM)674.24M
Analysts73.33
Price Target46.67 (12.87%)
Short Float %12.6%
Short Ratio9.98
Dividend
Industry RankSector Rank
Dividend Yield 2.09%
Yearly Dividend0.82
Dividend Growth(5Y)N/A
DP17.92%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-26
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.6%
Min EPS beat(2)1.73%
Max EPS beat(2)11.47%
EPS beat(4)4
Avg EPS beat(4)4.39%
Min EPS beat(4)1.16%
Max EPS beat(4)11.47%
EPS beat(8)8
Avg EPS beat(8)8.93%
EPS beat(12)12
Avg EPS beat(12)12.28%
EPS beat(16)16
Avg EPS beat(16)15.5%
Revenue beat(2)0
Avg Revenue beat(2)-1.71%
Min Revenue beat(2)-2.26%
Max Revenue beat(2)-1.16%
Revenue beat(4)1
Avg Revenue beat(4)-1.2%
Min Revenue beat(4)-2.26%
Max Revenue beat(4)0.5%
Revenue beat(8)2
Avg Revenue beat(8)-1.35%
Revenue beat(12)4
Avg Revenue beat(12)-0.96%
Revenue beat(16)5
Avg Revenue beat(16)-0.95%
PT rev (1m)0%
PT rev (3m)12.13%
EPS NQ rev (1m)1.52%
EPS NQ rev (3m)1.52%
EPS NY rev (1m)0%
EPS NY rev (3m)1.45%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)-0.84%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)-1%
Valuation
Industry RankSector Rank
PE 8.99
Fwd PE 8.69
P/S 4.73
P/FCF 8.08
P/OCF 8.08
P/B 1.09
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)4.6
EY11.12%
EPS(NY)4.76
Fwd EY11.5%
FCF(TTM)5.12
FCFY12.38%
OCF(TTM)5.12
OCFY12.38%
SpS8.73
BVpS37.84
TBVpS37.84
PEG (NY)2.63
PEG (5Y)0.61
Graham Number62.58
Profitability
Industry RankSector Rank
ROA 9.78%
ROE 12.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 73.54%
PM (TTM) 54.56%
GM N/A
FCFM 58.63%
ROA(3y)10.36%
ROA(5y)10.55%
ROE(3y)13.58%
ROE(5y)14.24%
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)14.09%
ROCE(5y)14.34%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-5.36%
OM growth 5Y10.6%
PM growth 3Y-5.33%
PM growth 5Y10.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.03
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 19.18
Cash Conversion N/A
Profit Quality 107.46%
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)100.72%
Profit Quality(5y)97.28%
High Growth Momentum
Growth
EPS 1Y (TTM)0.88%
EPS 3Y2.19%
EPS 5Y14.75%
EPS Q2Q%12.84%
EPS Next Y3.42%
EPS Next 2Y4.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.83%
Revenue growth 3Y4.12%
Revenue growth 5Y2.2%
Sales Q2Q%3.62%
Revenue Next Year2.47%
Revenue Next 2Y2.4%
Revenue Next 3Y2.03%
Revenue Next 5YN/A
EBIT growth 1Y-3.34%
EBIT growth 3Y-1.46%
EBIT growth 5Y13.04%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.57%
FCF growth 3Y8.93%
FCF growth 5Y0.56%
OCF growth 1Y5.57%
OCF growth 3Y8.93%
OCF growth 5Y0.56%

ENACT HOLDINGS INC / ACT Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ENACT HOLDINGS INC?

ChartMill assigns a fundamental rating of 5 / 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.


What is the profitability of ACT stock?

ENACT HOLDINGS INC (ACT) has a profitability rating of 6 / 10.


What is the valuation of ENACT HOLDINGS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ENACT HOLDINGS INC (ACT) is 8.99 and the Price/Book (PB) ratio is 1.09.


What is the earnings growth outlook for ENACT HOLDINGS INC?

The Earnings per Share (EPS) of ENACT HOLDINGS INC (ACT) is expected to grow by 3.42% in the next year.