ACT Fundamental Analysis - ENACT HOLDINGS INC

Fundamental Rating

Taking everything into account, ACT scores 4 out of 10 in our fundamental rating. ACT was compared to 100 industry peers in the Financial Services industry. ACT has an average financial health and profitability rating. ACT has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year ACT was profitable.

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

ACT had positive earnings in each of the past 5 years.

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

1.2 Ratios

With an excellent Return On Assets value of 9.99%, ACT belongs to the best of the industry, outperforming 90.10% of the companies in the same industry.

ACT has a Return On Equity of 12.96%. This is in the better half of the industry: ACT outperforms 67.33% 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

Looking at the Profit Margin, with a value of 55.35%, ACT belongs to the top of the industry, outperforming 93.07% of the companies in the same industry.

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

The Operating Margin of ACT (74.60%) is better than 95.05% 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	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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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

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 85.15% of its industry peers.

A Debt/Equity ratio of 0.14 indicates that ACT is not too dependend on debt financing.

ACT has a Debt to Equity ratio of 0.14. This is in the better half of the industry: ACT outperforms 77.23% 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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.

Looking at the last year, ACT shows a small growth in Revenue. The Revenue has grown by 3.16% in the last year.

The Revenue has been growing slightly by 4.19% on average over the past years.

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

The Earnings Per Share is expected to grow by 3.70% on average over the next years.

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.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.69 indicates a reasonable valuation of ACT.

79.21% 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 27.54, ACT is valued rather cheaply.

A Price/Forward Earnings ratio of 8.40 indicates a reasonable valuation of ACT.

70.30% of the companies in the same industry are more expensive than ACT, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of ACT to the average of the S&P500 Index (23.05), we can say ACT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.69
Fwd PE	8.4

4.2 Price Multiples

81.19% of the companies in the same industry are more expensive than ACT, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	8.23
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)8.89

EPS Next 2Y1.02%

EPS Next 3Y3.7%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

ACT has a Yearly Dividend Yield of 2.17%. 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 5.19.

Compared to an average S&P500 Dividend Yield of 2.41, 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 17.25% of its income as dividend. This is a sustainable payout ratio.

DP17.25%

EPS Next 2Y1.02%

EPS Next 3Y3.7%

More info and screens

Find the best dividend stocks

Show peers with best dividend

ENACT HOLDINGS INC

NASDAQ:ACT (9/26/2025, 8:00:00 PM)

After market: 39.1 0 (0%)

39.1

+0.41 (+1.06%)

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 Owners21.96%

Inst Owner Change6.11%

Ins Owners0.41%

Ins Owner Change-3.28%

Market Cap5.77B

Analysts76

Price Target40.8 (4.35%)

Short Float %10.74%

Short Ratio9.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.17%

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)0.53%

EPS NY rev (1m)1.55%

EPS NY rev (3m)1.7%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.56%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.4%

Valuation

		Industry Rank	Sector Rank
PE	8.69
Fwd PE	8.4
P/S	4.72
P/FCF	8.23
P/OCF	8.23
P/B	1.1
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)4.5

EY11.51%

EPS(NY)4.65

Fwd EY11.9%

FCF(TTM)4.75

FCFY12.15%

OCF(TTM)4.75

OCFY12.15%

SpS8.29

BVpS35.41

TBVpS35.41

PEG (NY)N/A

PEG (5Y)8.89

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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens