Enact Holdings Inc (ACT)vsEssent Group Ltd (ESNT)
ACT
Enact Holdings Inc
$44.04
+1.90%
FINANCIAL SERVICES · Cap: $6.03B
ESNT
Essent Group Ltd
$63.13
+2.52%
FINANCIAL SERVICES · Cap: $5.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 2% more annual revenue ($1.26B vs $1.24B). ESNT leads profitability with a 54.7% profit margin vs 54.5%. ESNT trades at a lower P/E of 8.9x. ESNT earns a higher WallStSmart Score of 67/100 (B-).
ACT
Buy54
out of 100
Grade: C-
ESNT
Strong Buy67
out of 100
Grade: B-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 61.7%
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Areas to Watch
1.7% revenue growth
Weak financial health signals
0.9% earnings growth
Weak financial health signals
Revenue declined 0.8%
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 : ESNT
The strongest argument for ESNT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 54.7% and operating margin at 61.7%. PEG of 0.84 suggests the stock is reasonably priced for its growth.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : ESNT
The primary concerns for ESNT are EPS Growth, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
ACT profiles as a value stock while ESNT is a declining play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.81 — 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
ESNT scores higher overall (67/100 vs 54/100), backed by strong 54.7% margins. Both earn "Strong 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 premier provider of private mortgage insurance and risk management solutions, focusing on the U.S. housing sector. The company plays a critical role in facilitating homeownership and promoting sustainable housing initiatives, utilizing its strong capital position and strategic alliances to navigate market complexities. With a commitment to innovation and technological advancement, Enact is well-equipped to adapt to industry dynamics, positioning itself to seize growth opportunities while enhancing lender capabilities and effectively managing risk exposure.
Visit Website →Essent Group Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Essent Group Ltd., provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company is headquartered in Hamilton, Bermuda.
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