Enact Holdings Inc (ACT)vsAssured Guaranty Ltd (AGO)
ACT
Enact Holdings Inc
$41.79
+2.05%
FINANCIAL SERVICES · Cap: $5.92B
AGO
Assured Guaranty Ltd
$76.63
+2.30%
FINANCIAL SERVICES · Cap: $3.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 52% more annual revenue ($1.24B vs $814.00M). ACT leads profitability with a 54.5% profit margin vs 51.0%. AGO trades at a lower P/E of 8.8x. AGO earns a higher WallStSmart Score of 61/100 (C+).
ACT
Buy54
out of 100
Grade: C-
AGO
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 72.3%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 24.3%
Areas to Watch
1.7% revenue growth
ROE of 7.9% — below average capital efficiency
Revenue declined 6.2%
Earnings declined 44.5%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACT
The strongest argument for ACT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 54.5% and operating margin at 72.3%.
Bull Case : AGO
The strongest argument for AGO centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 51.0% and operating margin at 24.3%. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : AGO
The primary concerns for AGO are Return on Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
ACT profiles as a value stock while AGO is a declining play — different risk/reward profiles.
AGO carries more volatility with a beta of 0.76 — expect wider price swings.
ACT is growing revenue faster at 1.7% — sustainability is the question.
ACT generates stronger free cash flow (224M), providing more financial flexibility.
Bottom Line
AGO scores higher overall (61/100 vs 54/100), backed by strong 51.0% margins. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Enact Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Enact Holdings Inc (ACT) is a leading provider of private mortgage insurance and risk management solutions within the U.S. housing sector, dedicated to enhancing homeownership accessibility and supporting sustainable housing initiatives. The company's robust capital structure and strategic partnerships allow it to adeptly navigate market complexities while fostering innovation and technological advancements. By focusing on lender capabilities and proactive risk management, Enact is strategically positioned to capitalize on growth opportunities in a dynamic real estate landscape.
Visit Website →Assured Guaranty Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Assured Guaranty Ltd., provides credit protection products to the public finance, infrastructure and structured finance markets in the United States and internationally. The company is headquartered in Hamilton, Bermuda.
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