Enact Holdings, Inc. ACT R2K
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.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
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.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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 | 41.79 | 9.05 | $5.83B | 2.08% | - | 12.93% | 4.12% | -1.44% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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 |
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: | +20.65% |
| 6 Months: | +8.05% |
| 3 Months: | +0.45% |
| 1 Month: | -4.87% |
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 % | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 3.34% | 4.66M | $194.95M |
| 2 | Dimensional Fund Advisors LP | 2.15% | 3.00M | $125.49M |
| 3 | Vanguard Portfolio Management LLC | 1.25% | 1.74M | $72.76M |
| 4 | First Trust Advisors LP | 1.00% | 1.40M | $58.30M |
| 5 | Glendon Capital Management, LP | 0.93% | 1.30M | $54.27M |
| 6 | Vanguard Capital Management LLC | 0.93% | 1.30M | $54.14M |
| 7 | State Street Corporation | 0.86% | 1.21M | $50.40M |
| 8 | LSV Asset Management | 0.73% | 1.03M | $42.86M |
| 9 | Arrowstreet Capital, Limited Partnership | 0.71% | 992.99K | $41.50M |
| 10 | American Century Companies Inc | 0.63% | 876.60K | $36.63M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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