(ACT) Enact Holdings - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US29249E1091
Stock: Mortgage, Insurance, Underwriting, Reinsurance
Total Rating 45
Risk 42
Buy Signal 0.01
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.24% |
| Yield on Cost 5y | 6.23% |
| Yield CAGR 5y | -9.78% |
| Payout Consistency | 89.3% |
| Payout Ratio | 18.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 22.3% |
| Relative Tail Risk | 2.03% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.03 |
| Alpha | 21.08 |
| Character TTM | |
|---|---|
| Beta | 0.372 |
| Beta Downside | 0.239 |
| Drawdowns 3y | |
|---|---|
| Max DD | 15.33% |
| CAGR/Max DD | 1.66 |
Description: ACT Enact Holdings January 08, 2026
Enact Holdings, Inc. (NASDAQ: ACT) is a U.S.-based private mortgage insurer that underwrites and assumes guarantees on prime, individually-underwritten residential mortgage loans, provides contract underwriting services to lenders, and offers mortgage-related reinsurance. The firm, formerly Genworth Mortgage Holdings, rebranded in May 2021 and operates as a subsidiary of Genworth Holdings.
Key operating metrics show a 2023 loss-ratio of roughly 31% and a combined ratio near 95%, indicating modest underwriting profitability. The business is highly sensitive to Fed policy; a 25 bp rise in rates typically depresses new loan volumes and compresses premium income. Additionally, the broader U.S. residential mortgage-insurance market has been consolidating, with total premium volume projected to grow 4-5% annually through 2027 as housing affordability pressures increase demand for private coverage.
For a deeper, data-driven view of ACT’s valuation dynamics, you might explore ValueRay’s analyst toolkit.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 674.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA -0.67 > 1.0 |
| NWC/Revenue: 9.09% < 20% (prev 473.2%; Δ -464.1% < -1%) |
| CFO/TA 0.10 > 3% & CFO 704.4m > Net Income 674.2m |
| Net Debt (162.0m) to EBITDA (907.6m): 0.18 < 3 |
| Current Ratio: 1.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (145.3m) vs 12m ago -5.98% < -2% |
| Gross Margin: 79.76% > 18% (prev 0.78%; Δ 7898 % > 0.5%) |
| Asset Turnover: 18.40% > 50% (prev 18.43%; Δ -0.03% > 0%) |
| Interest Coverage Ratio: 9.00 > 6 (EBITDA TTM 907.6m / Interest Expense TTM 49.9m) |
Altman Z'' 4.79
| A: 0.02 (Total Current Assets 684.7m - Total Current Liabilities 572.5m) / Total Assets 6.89b |
| B: 0.53 (Retained Earnings 3.68b / Total Assets 6.89b) |
| C: 0.07 (EBIT TTM 449.4m / Avg Total Assets 6.71b) |
| D: 2.37 (Book Value of Equity 3.65b / Total Liabilities 1.54b) |
| Altman-Z'' Score: 4.79 = AA |
What is the price of ACT shares?
As of February 09, 2026, the stock is trading at USD 43.17 with a total of 402,631 shares traded.
Over the past week, the price has changed by +6.72%, over one month by +6.12%, over three months by +16.07% and over the past year by +30.05%.
Over the past week, the price has changed by +6.72%, over one month by +6.12%, over three months by +16.07% and over the past year by +30.05%.
Is ACT a buy, sell or hold?
Enact Holdings has received a consensus analysts rating of 3.40.
Therefor, it is recommend to hold ACT.
- StrongBuy: 1
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ACT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 45.6 | 5.6% |
| Analysts Target Price | 45.6 | 5.6% |
| ValueRay Target Price | 53.9 | 24.8% |
ACT Fundamental Data Overview February 08, 2026
P/E Trailing = 9.5509
P/E Forward = 8.7184
P/S = 5.1527
P/B = 1.164
Revenue TTM = 1.23b USD
EBIT TTM = 449.4m USD
EBITDA TTM = 907.6m USD
Long Term Debt = 744.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 744.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 162.0m USD (from netDebt column, last quarter)
Enterprise Value = 6.53b USD (6.37b + Debt 744.5m - CCE 582.5m)
Interest Coverage Ratio = 9.00 (Ebit TTM 449.4m / Interest Expense TTM 49.9m)
EV/FCF = 9.27x (Enterprise Value 6.53b / FCF TTM 704.4m)
FCF Yield = 10.79% (FCF TTM 704.4m / Enterprise Value 6.53b)
FCF Margin = 57.06% (FCF TTM 704.4m / Revenue TTM 1.23b)
Net Margin = 54.62% (Net Income TTM 674.2m / Revenue TTM 1.23b)
Gross Margin = 79.76% ((Revenue TTM 1.23b - Cost of Revenue TTM 249.9m) / Revenue TTM)
Gross Margin QoQ = none% (prev 71.51%)
Tobins Q-Ratio = 0.95 (Enterprise Value 6.53b / Total Assets 6.89b)
Interest Expense / Debt = 1.67% (Interest Expense 12.5m / Debt 744.5m)
Taxrate = 20.59% (45.9m / 223.1m)
NOPAT = 356.9m (EBIT 449.4m * (1 - 20.59%))
Current Ratio = 1.20 (Total Current Assets 684.7m / Total Current Liabilities 572.5m)
Debt / Equity = 0.14 (Debt 744.5m / totalStockholderEquity, last quarter 5.36b)
Debt / EBITDA = 0.18 (Net Debt 162.0m / EBITDA 907.6m)
Debt / FCF = 0.23 (Net Debt 162.0m / FCF TTM 704.4m)
Total Stockholder Equity = 5.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.05% (Net Income 674.2m / Total Assets 6.89b)
RoE = 12.83% (Net Income TTM 674.2m / Total Stockholder Equity 5.25b)
RoCE = 7.49% (EBIT 449.4m / Capital Employed (Equity 5.25b + L.T.Debt 744.1m))
RoIC = 5.98% (NOPAT 356.9m / Invested Capital 5.96b)
WACC = 6.67% (E(6.37b)/V(7.11b) * Re(7.29%) + D(744.5m)/V(7.11b) * Rd(1.67%) * (1-Tc(0.21)))
Discount Rate = 7.29% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF Debug] Terminal Value 83.65% ; FCFF base≈706.7m ; Y1≈733.7m ; Y5≈837.4m
Fair Price DCF = 136.1 (EV 19.81b - Net Debt 162.0m = Equity 19.65b / Shares 144.4m; r=6.67% [WACC]; 5y FCF grow 4.01% → 2.90% )
EPS Correlation: 30.67 | EPS CAGR: 5.40% | SUE: 1.69 | # QB: 1
Revenue Correlation: 94.60 | Revenue CAGR: 3.93% | SUE: -2.77 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.15 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-12-31): EPS=4.66 | Chg30d=+0.011 | Revisions Net=+1 | Growth EPS=+1.2% | Growth Revenue=+2.6%
EPS next Year (2027-12-31): EPS=5.10 | Chg30d=+0.065 | Revisions Net=+3 | Growth EPS=+9.3% | Growth Revenue=+2.6%
P/E Forward = 8.7184
P/S = 5.1527
P/B = 1.164
Revenue TTM = 1.23b USD
EBIT TTM = 449.4m USD
EBITDA TTM = 907.6m USD
Long Term Debt = 744.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 744.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 162.0m USD (from netDebt column, last quarter)
Enterprise Value = 6.53b USD (6.37b + Debt 744.5m - CCE 582.5m)
Interest Coverage Ratio = 9.00 (Ebit TTM 449.4m / Interest Expense TTM 49.9m)
EV/FCF = 9.27x (Enterprise Value 6.53b / FCF TTM 704.4m)
FCF Yield = 10.79% (FCF TTM 704.4m / Enterprise Value 6.53b)
FCF Margin = 57.06% (FCF TTM 704.4m / Revenue TTM 1.23b)
Net Margin = 54.62% (Net Income TTM 674.2m / Revenue TTM 1.23b)
Gross Margin = 79.76% ((Revenue TTM 1.23b - Cost of Revenue TTM 249.9m) / Revenue TTM)
Gross Margin QoQ = none% (prev 71.51%)
Tobins Q-Ratio = 0.95 (Enterprise Value 6.53b / Total Assets 6.89b)
Interest Expense / Debt = 1.67% (Interest Expense 12.5m / Debt 744.5m)
Taxrate = 20.59% (45.9m / 223.1m)
NOPAT = 356.9m (EBIT 449.4m * (1 - 20.59%))
Current Ratio = 1.20 (Total Current Assets 684.7m / Total Current Liabilities 572.5m)
Debt / Equity = 0.14 (Debt 744.5m / totalStockholderEquity, last quarter 5.36b)
Debt / EBITDA = 0.18 (Net Debt 162.0m / EBITDA 907.6m)
Debt / FCF = 0.23 (Net Debt 162.0m / FCF TTM 704.4m)
Total Stockholder Equity = 5.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.05% (Net Income 674.2m / Total Assets 6.89b)
RoE = 12.83% (Net Income TTM 674.2m / Total Stockholder Equity 5.25b)
RoCE = 7.49% (EBIT 449.4m / Capital Employed (Equity 5.25b + L.T.Debt 744.1m))
RoIC = 5.98% (NOPAT 356.9m / Invested Capital 5.96b)
WACC = 6.67% (E(6.37b)/V(7.11b) * Re(7.29%) + D(744.5m)/V(7.11b) * Rd(1.67%) * (1-Tc(0.21)))
Discount Rate = 7.29% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF Debug] Terminal Value 83.65% ; FCFF base≈706.7m ; Y1≈733.7m ; Y5≈837.4m
Fair Price DCF = 136.1 (EV 19.81b - Net Debt 162.0m = Equity 19.65b / Shares 144.4m; r=6.67% [WACC]; 5y FCF grow 4.01% → 2.90% )
EPS Correlation: 30.67 | EPS CAGR: 5.40% | SUE: 1.69 | # QB: 1
Revenue Correlation: 94.60 | Revenue CAGR: 3.93% | SUE: -2.77 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.15 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-12-31): EPS=4.66 | Chg30d=+0.011 | Revisions Net=+1 | Growth EPS=+1.2% | Growth Revenue=+2.6%
EPS next Year (2027-12-31): EPS=5.10 | Chg30d=+0.065 | Revisions Net=+3 | Growth EPS=+9.3% | Growth Revenue=+2.6%