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Enact Holdings, Inc. ACT R2KR3KFINANCIAL

Financial Services · Insurance - Specialty · United States
https://enactmi.com
Company Profile ↓
$47.89
+28.23% 1Y
Mkt Cap$6.58B
P/E10.10
P/B1.18
Div. Yield2.10%
52W High$50.07
52W Low$34.20
Book Value$39.06
EPS (TTM)$4.74

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 10.1, below the sector median of 13.6.

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.

Dividend Income

Offers a dividend yield of 2.10%.

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:+28.23%
6 Months:+10.39%
3 Months:+2.19%
1 Month:+1.35%

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

Technical Snapshot Bullish
52-Week Range 86% of range
$34.20 $50.07
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.51 · Neutral
Price Performance
1M+1.35%
3M+2.19%
6M+10.39%
1Y+28.23%
Valuation vs Sector

P/E of 10.10 is below the sector median of 13.55 — 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
10.10
Industry PE
13.55
Forward P/E
9.48
PEG Ratio
-
Book Value
$39.06
Price to Book
1.18
P/S
5.04
EV/EBITDA
-
Dividend Yield
2.10%

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)
$4.74

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
80.87%
Chg in Prom Hold
-0.50%
FII / Inst Holding
22.56%
Chg in FII Hold
-0.07%

Financial Snapshot

Enterprise Value
$6.58B
Total Revenue (TTM)
$1.25B
EBITDA
-
Free Cash Flow
$521.55M
Operating Cash Flow
$720.83M
Shares Outstanding
137.48M
Gross Margin
73.18%
Payout Ratio
18.35%

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 47.89 10.10 $6.58B 2.10% - 12.87% 4.77% -0.10%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 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
80.87%
Institutions
22.56%
Public Float
117.91%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 3.42% 4.78M $219.77M
2 Dimensional Fund Advisors LP 2.23% 3.11M $142.90M
3 Vanguard Portfolio Management LLC 1.26% 1.76M $80.85M
4 First Trust Advisors LP 1.16% 1.62M $74.59M
5 Glendon Capital Management, LP 0.93% 1.30M $59.70M
6 State Street Corporation 0.90% 1.26M $57.84M
7 Vanguard Capital Management LLC 0.89% 1.25M $57.36M
8 LSV Asset Management 0.72% 1.01M $46.21M
9 American Century Companies Inc 0.69% 965.68K $44.39M
10 Geode Capital Management, LLC 0.65% 900.99K $41.42M

Analyst View

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Latest News

Recent headlines for ACT

Yahoo Finance ue, 20 Oct 2026

1 Unpopular Stock That Should Get More Attention and 2 Facing Challenges

When Wall Street turns bearish on a stock, it’s worth paying attention. These calls stand out because analysts rarely issue grim ratings on companies for fear their firms will lose out in other business lines such as M&A advisory.…

Yahoo Finance ue, 06 Oct 2026

What Makes Enact Holdings (ACT) a New Buy Stock

Enact Holdings (ACT) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Yahoo Finance Fri, 02 Oct 2026

AM Best Affirms Credit Ratings of Enact Re Ltd.

OLDWICK, N.J., October 02, 2026--AM Best has affirmed the Financial Strength Rating (FSR) of A- (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of "a-" (Excellent) of Enact Re Ltd. (ERL) (Bermuda). The outlook of these Cr…

Yahoo Finance hu, 01 Oct 2026

Enact Mortgage Insurance Enters Into a Forward Quota Share Reinsurance Transaction as Part of its Diversified Credit Risk Transfer Program

Secures approximately 35% of quota share reinsurance coverage from a panel of third-party reinsurance providersRALEIGH, N.C., Oct. 01, 2026 (GLOBE NEWSWIRE) -- Enact Holdings, Inc. (Nasdaq: ACT) (Enact), a leading provider of private mortga…

Yahoo Finance hu, 01 Oct 2026

NMI Holdings, MGIC Investment, Essent Group, Enact Holdings, and Stewart Information Services Stocks Trade Down, What You Need To Know

A number of stocks fell in the afternoon session after investors weighed higher mortgage rates, softer housing demand, and lingering policy risk around private mortgage insurance. The slide looked sector-wide rather than name-specific: mort…

Yahoo Finance Mon, 28 Sep 2026

Spotting Winners: Enact Holdings (NASDAQ:ACT) And Property & Casualty Insurance Stocks In Q2

Earnings results often indicate what direction a company will take in the months ahead. With Q2 behind us, let’s have a look at Enact Holdings (NASDAQ:ACT) and its peers.

ACT — Frequently Asked Questions

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

As of 2026-10-23 16:27 PDT, Enact Holdings, Inc. (ACT) trades at $47.89 on NasdaqGS. Its 52-week range is $34.20 to $50.07.

What is the market capitalisation of ACT?

Enact Holdings, Inc. (ACT) has a market capitalisation of $6.58B on NasdaqGS.

What is the P/E ratio of ACT?

ACT trades at a trailing price-to-earnings (P/E) ratio of 10.10. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.18.

Does ACT pay a dividend?

Enact Holdings, Inc. (ACT) currently offers a dividend yield of 2.10%.

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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