Enact Holdings Inc (ACT)vsAMERISAFE Inc (AMSF)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
AMSF
AMERISAFE Inc
$32.84
-0.79%
FINANCIAL SERVICES · Cap: $611.07M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 289% more annual revenue ($1.24B vs $317.30M). ACT leads profitability with a 54.6% profit margin vs 14.9%. ACT trades at a lower P/E of 8.9x. AMSF earns a higher WallStSmart Score of 60/100 (C).
ACT
Buy56
out of 100
Grade: C
AMSF
Buy60
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.5%
Fair Value
$142.83
Current Price
$40.30
$102.53 discount
Margin of Safety
-128.7%
Fair Value
$16.80
Current Price
$32.84
$16.04 premium
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 75.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.6% revenue growth
Weak financial health signals
Expensive relative to growth rate
Smaller company, higher risk/reward
Earnings declined 19.2%
Distress zone — elevated risk
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 54.6% and operating margin at 75.3%.
Bull Case : AMSF
The strongest argument for AMSF centers on P/E Ratio, Price/Book. Revenue growth of 10.2% demonstrates continued momentum.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : AMSF
The primary concerns for AMSF are PEG Ratio, Market Cap, EPS Growth.
Key Dynamics to Monitor
ACT carries more volatility with a beta of 0.51 — expect wider price swings.
AMSF is growing revenue faster at 10.2% — sustainability is the question.
ACT generates stronger free cash flow (186M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AMSF scores higher overall (60/100 vs 56/100) and 10.2% revenue growth. ACT offers better value entry with a 69.5% margin of safety. 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, primarily for the U.S. housing sector. The company is dedicated to facilitating homeownership and promoting sustainable housing practices, leveraging its robust capital resources and strategic partnerships to address market challenges. Enact’s commitment to innovation and technology enables it to adapt swiftly to industry changes, positioning the company to capitalize on growth opportunities while enhancing the capabilities of lenders and effectively managing risk.
Visit Website →AMERISAFE Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
AMERISAFE, Inc., an insurance holding company, writes workers' compensation insurance in the United States. The company is headquartered in DeRidder, Louisiana.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
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