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Enact Holdings, Inc. ACT R2KR3KFINANCIAL

Financial Services · Insurance - Specialty · United States
https://enactmi.com
Company Profile ↓
$49.27
+31.92% 1Y
Mkt Cap$6.88B
P/E10.66
P/B1.29
Div. Yield1.97%
52W High$49.80
52W Low$34.20
Book Value$38.09
EPS (TTM)$4.62

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

Reasonable Valuation

Trades at a P/E of 10.7, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 54.5%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.14.

Positive Free Cash Flow

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 +4.1%, earnings +12.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 4.8%, profit CAGR -0.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:4.77%
1 Year:4.10%

Compounded Profit Growth

5 Years:-0.10%
1 Year:12.60%

Stock Price Performance

1 Year:+31.92%
6 Months:+20.15%
3 Months:+18.47%
1 Month:+1.72%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 97% of range
$34.20 $49.80
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.99 · Neutral
Price Performance
1M+1.72%
3M+18.47%
6M+20.15%
1Y+31.92%
Valuation vs Sector

P/E of 10.66 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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 -0.1% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.66
Industry PE
14.52
Forward P/E
9.84
PEG Ratio
-
Book Value
$38.09
Price to Book
1.29
P/S
5.45
EV/EBITDA
-
Dividend Yield
1.97%

Growth (CAGR)

Revenue 5Y
4.77%
Profit 5Y
-0.10%
Revenue (YoY)
4.10%
Earnings (YoY)
12.60%

Profitability & Returns

ROCE
-
ROE
12.87%
ROA
8.35%
Profit Margin
54.51%
Op Margin
73.26%
Gross Margin
73.18%
EPS (Latest Qtr)
$1.25
EPS (TTM)
$4.62

Balance Sheet & Liquidity

Debt/Equity
0.14
Quick Ratio
0.83
Current Ratio
0.92
Debt
$745.23M
Total Assets
$6.96B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
81.37%
Chg in Prom Hold
-0.02%
FII / Inst Holding
22.81%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
$6.88B
Total Revenue (TTM)
$1.25B
EBITDA
-
Free Cash Flow
$724.52M
Operating Cash Flow
$724.52M
Shares Outstanding
139.60M
Gross Margin
73.18%
Payout Ratio
18.18%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ACT Enact Holdings, Inc. R2KR3KFINANCIAL 49.27 10.66 $6.88B 1.97% - 12.87% 4.77% -0.10%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 284.34M288.58M276.12M280.31M269.59M273.54M275.07M280.94M277.52M299.04M291.58M298.83M--306.89M304.62M311.45M312.71M312.08M317.31M
Cost of Revenue --------------------
Gross Profit --------------------
Operating Expenses --------------------
Operating Income --------------223.71M226.80M222.73M235.55M225.75M-
EBITDA --------------------
Interest Expense --------------12.29M12.30M12.90M12.46M12.37M-
Pretax Income --------------211.42M214.50M209.83M223.09M213.38M-
Tax Provision --------------45.64M46.69M46.33M45.92M45.61M-
Net Income 138.01M125.13M130.81M137.21M164.63M204.74M--------165.78M167.81M163.50M177.16M167.77M-
Diluted EPS 0.850.770.800.841.011.251.171.081.041.021.011.16--1.081.111.101.221.181.25

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 978.85M1.11B-1.09B1.15B1.20B1.24B
Cost of Revenue -------
Gross Profit -------
Operating Expenses -------
Operating Income ---949.92M903.38M929.22M908.79M
EBITDA -------
Interest Expense ---51.70M51.87M51.16M49.95M
Pretax Income ---898.22M851.51M878.06M858.84M
Tax Provision ---194.06M186.00M189.99M184.59M
Net Income 677.63M370.42M-704.16M665.51M688.07M674.24M
Diluted EPS 4.162.27-4.314.114.374.52

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --5.65B-5.71B6.19B6.52B6.89B
Current Assets --------
Cash & Equivalents --452.79M-513.77M615.68M599.43M582.49M
Inventory --------
Receivables ----41.74M45.07M53.03M46.13M
Total Liabilities --1.77B-1.61B1.56B1.53B1.54B
Current Liabilities --------
Long Term Debt --738.16M-742.83M-4.58M743.05M744.48M
Total Debt ----742.83M745.42M743.05M744.48M
Total Equity 3.27B3.83B3.88B-4.10B4.63B5.00B5.36B
Shares Outstanding ----162.78M159.34M152.32M142.21M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 500.02M704.35M-560.51M632.04M686.26M724.52M
Investing Cash Flow 175.99M-1.14B--220.25M-229.40M-320.51M-226.38M
Financing Cash Flow -250.00M300.30M--252.31M-300.73M-382.00M-515.08M
Capital Expenditure -------
Free Cash Flow ---560.51M632.04M686.26M724.52M
Net Change in Cash ---87.95M101.91M-16.25M-16.94M
Share Buybacks -001.53M87.76M243.97M382.40M
Dividends Paid 250.00M437.35M200.29M250.78M212.96M111.72M120.83M

Ratios (Annual)

Figures in %.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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 % -------

Shareholding Pattern

Insiders
81.37%
Institutions
22.81%
Public Float
122.43%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 3.42% 4.78M $234.59M
2 Dimensional Fund Advisors LP 2.23% 3.11M $152.54M
3 Vanguard Portfolio Management LLC 1.26% 1.76M $86.30M
4 First Trust Advisors LP 1.16% 1.62M $79.62M
5 Glendon Capital Management, LP 0.93% 1.30M $63.73M
6 State Street Corporation 0.90% 1.26M $61.74M
7 Vanguard Capital Management LLC 0.89% 1.25M $61.23M
8 LSV Asset Management 0.72% 1.01M $49.33M
9 American Century Companies Inc 0.69% 965.68K $47.39M
10 Geode Capital Management, LLC 0.65% 900.99K $44.21M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for ACT

Yahoo Finance Sun, 06 Sep 2026

Is Enact Holdings (ACT) Still Undervalued Or Is Its Recent Run Already Priced In?

Enact Holdings event puts recent stock performance in focus With no single headline event driving attention, Enact Holdings (ACT) is drawing interest as investors weigh its recent share performance against reported revenue of $1,253.538 mil…

Yahoo Finance Sat, 05 Sep 2026

How Investors Are Reacting To Enact Holdings (ACT) Surging Implied Volatility In 2026 Put Options

Recently, options traders focused on Enact Holdings, Inc. as the October 16, 2026 US$30.00 put contract recorded some of the highest implied volatility across equity options, signaling expectations of substantial stock price movement in the…

Yahoo Finance Fri, 14 Aug 2026

5 Must-Read Analyst Questions From Enact Holdings’s Q2 Earnings Call

Enact Holdings delivered second quarter results that exceeded Wall Street’s revenue and non-GAAP profit expectations, with performance supported by disciplined underwriting and resilient credit trends. Management attributed the quarter’s su…

Yahoo Finance Wed, 12 Aug 2026

Enact (ACT) Q2 2026 Earnings Call Transcript

CEO Gupta discusses capital return guidance hike and new AI underwriting tool.

Yahoo Finance hu, 06 Aug 2026

Enact Holdings Inc (ACT) (Q2 2026) Earnings Call Highlights: Strong Earnings and Raised Capital ...

Enact Holdings Inc (ACT) reports robust Q2 2026 results with adjusted operating income up 10% year-over-year, prompting an increase in its 2026 capital return guidance to $550-$600 million.

Yahoo Finance Wed, 05 Aug 2026

Enact Holdings’s (NASDAQ:ACT) Q2 CY2026 Earnings Results: Revenue In Line With Expectations

Mortgage insurance provider Enact Holdings (NASDAQ:ACT) met Wall Street’s revenue expectations in Q2 CY2026, with sales up 1.6% year on year to $317.3 million. Its non-GAAP profit of $1.26 per share was 6.1% above analysts’ consensus estima…

ACT — Frequently Asked Questions

What is the current share price of Enact Holdings, Inc. (ACT)?

As of 2026-09-07 16:24 PDT, Enact Holdings, Inc. (ACT) trades at $49.27 on NasdaqGS. Its 52-week range is $34.20 to $49.80.

What is the market capitalisation of ACT?

Enact Holdings, Inc. (ACT) has a market capitalisation of $6.88B on NasdaqGS.

What is the P/E ratio of ACT?

ACT trades at a trailing price-to-earnings (P/E) ratio of 10.66. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.29.

Does ACT pay a dividend?

Enact Holdings, Inc. (ACT) currently offers a dividend yield of 1.97%.

What is the return on equity (ROE) of ACT?

ACT has a return on equity (ROE) of 12.87%.

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.

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