Enact Holdings, Inc. ACT R2K
Company Overview
Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company engages in writing and assuming residential mortgage guaranty insurance. It also offers private mortgage insurance products insuring prime-based, individually underwritten residential mortgage loans; pool mortgage insurance; contract underwriting services; and mortgage-related reinsurance products. The company serves large money center banks, non-bank lenders, national and local mortgage bankers, community banks, and credit unions. The company was formerly known as Genworth Mortgage Holdings, Inc. and changed its name to Enact Holdings, Inc. in May 2021. Enact Holdings, Inc. was founded in 1981 and is headquartered in Raleigh, North Carolina. Enact Holdings, Inc. is a subsidiary of Genworth Holdings Inc.
Why Investors Should Care
Trades at a P/E of 9.9, below the sector median of 13.3.
Maintains a net profit margin of 54.5%.
Carries low leverage with a debt-to-equity ratio of 0.14.
Offers a dividend yield of 2.05%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $1.24B (+2.8% YoY); net profit $674.24M.
- Trailing 12 Months Year-on-year growth — revenue +1.7%, earnings +9.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 4.1%, profit CAGR -1.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 4.12% |
| 1 Year: | 1.70% |
Compounded Profit Growth
| 5 Years: | -1.44% |
| 1 Year: | 9.30% |
Stock Price Performance
| 1 Year: | +32.50% |
| 6 Months: | +13.81% |
| 3 Months: | +8.87% |
| 1 Month: | +8.61% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)63.97 · Neutral
P/E of 9.88 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 54.5%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -1.4% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ACT Enact Holdings, Inc. R2K | 45.65 | 9.88 | $6.37B | 2.05% | - | 12.93% | 4.12% | -1.44% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 284.34M | 288.58M | 276.12M | 280.31M | 269.59M | 273.54M | 275.07M | 280.94M | 277.52M | 299.04M | 291.58M | 298.83M | - | - | 306.89M | 304.62M | 311.45M | 312.71M | 312.08M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 223.71M | 226.80M | 222.73M | 235.55M | 225.75M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 12.29M | 12.30M | 12.90M | 12.46M | 12.37M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 211.42M | 214.50M | 209.83M | 223.09M | 213.38M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 45.64M | 46.69M | 46.33M | 45.92M | 45.61M |
| Net Income | 138.01M | 125.13M | 130.81M | 137.21M | 164.63M | 204.74M | - | - | - | - | - | - | - | - | 165.78M | 167.81M | 163.50M | 177.16M | 167.77M |
| Diluted EPS | 0.85 | 0.77 | 0.80 | 0.84 | 1.01 | 1.25 | 1.17 | 1.08 | 1.04 | 1.02 | 1.01 | 1.16 | - | - | 1.08 | 1.11 | 1.10 | 1.22 | 1.18 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 978.85M | 1.11B | - | 1.09B | 1.15B | 1.20B | 1.24B |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | 949.92M | 903.38M | 929.22M | 908.79M |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | 51.70M | 51.87M | 51.16M | 49.95M |
| Pretax Income | - | - | - | 898.22M | 851.51M | 878.06M | 858.84M |
| Tax Provision | - | - | - | 194.06M | 186.00M | 189.99M | 184.59M |
| Net Income | 677.63M | 370.42M | - | 704.16M | 665.51M | 688.07M | 674.24M |
| Diluted EPS | 4.16 | 2.27 | - | 4.31 | 4.11 | 4.37 | 4.52 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 5.65B | - | 5.71B | 6.19B | 6.52B | 6.89B |
| Current Assets | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | 452.79M | - | 513.77M | 615.68M | 599.43M | 582.49M |
| Inventory | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | 41.74M | 45.07M | 53.03M | 46.13M |
| Total Liabilities | - | - | 1.77B | - | 1.61B | 1.56B | 1.53B | 1.54B |
| Current Liabilities | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | 738.16M | - | 742.83M | -4.58M | 743.05M | 744.48M |
| Total Debt | - | - | - | - | 742.83M | 745.42M | 743.05M | 744.48M |
| Total Equity | 3.27B | 3.83B | 3.88B | - | 4.10B | 4.63B | 5.00B | 5.36B |
| Shares Outstanding | - | - | - | - | 162.78M | 159.34M | 152.32M | 142.21M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 500.02M | 704.35M | - | 560.51M | 632.04M | 686.26M | 724.52M |
| Investing Cash Flow | 175.99M | -1.14B | - | -220.25M | -229.40M | -320.51M | -226.38M |
| Financing Cash Flow | -250.00M | 300.30M | - | -252.31M | -300.73M | -382.00M | -515.08M |
| Capital Expenditure | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | 560.51M | 632.04M | 686.26M | 724.52M |
| Net Change in Cash | - | - | - | 87.95M | 101.91M | -16.25M | -16.94M |
| Share Buybacks | - | 0 | 0 | 1.53M | 87.76M | 243.97M | 382.40M |
| Dividends Paid | 250.00M | 437.35M | 200.29M | 250.78M | 212.96M | 111.72M | 120.83M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | 86.8% | 78.3% | 77.3% | 73.5% |
| Net Margin % | 69.2% | 33.5% | - | 64.3% | 57.7% | 57.3% | 54.6% |
| ROE % | 17.7% | 9.5% | - | 17.2% | 14.4% | 13.8% | 12.6% |
| ROCE % | - | - | - | - | - | - | - |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ACT
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ACT — Frequently Asked Questions
What is the current share price of Enact Holdings, Inc. (ACT)?
As of 2026-07-14 21:23 PDT, Enact Holdings, Inc. (ACT) trades at $45.65 on NasdaqGS. Its 52-week range is $33.65 to $45.71.
What is the market capitalisation of ACT?
Enact Holdings, Inc. (ACT) has a market capitalisation of $6.37B on NasdaqGS.
What is the P/E ratio of ACT?
ACT trades at a trailing price-to-earnings (P/E) ratio of 9.88. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.11.
Does ACT pay a dividend?
Enact Holdings, Inc. (ACT) currently offers a dividend yield of 2.05%.
What is the return on equity (ROE) of ACT?
ACT has a return on equity (ROE) of 12.93%.
Is ACT a good stock to buy?
This page provides a data-driven analysis of Enact Holdings, Inc. (ACT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.