Enact Holdings Inc (ACT)vsFidelity National Financial Inc (FNF)
ACT
Enact Holdings Inc
$41.79
+2.05%
FINANCIAL SERVICES · Cap: $5.92B
FNF
Fidelity National Financial Inc
$47.40
+2.98%
FINANCIAL SERVICES · Cap: $12.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1106% more annual revenue ($14.96B vs $1.24B). ACT leads profitability with a 54.5% profit margin vs 5.1%. ACT trades at a lower P/E of 9.2x. FNF earns a higher WallStSmart Score of 78/100 (B+).
ACT
Buy54
out of 100
Grade: C-
FNF
Strong Buy78
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
Earnings expanding 200.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% revenue growth
Areas to Watch
1.7% revenue growth
5.1% margin — thin
Weak financial health signals
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 54.5% and operating margin at 72.3%.
Bull Case : FNF
The strongest argument for FNF centers on EPS Growth, PEG Ratio, P/E Ratio. Revenue growth of 16.7% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACT profiles as a value stock while FNF is a growth play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.02 — expect wider price swings.
FNF is growing revenue faster at 16.7% — sustainability is the question.
FNF generates stronger free cash flow (848M), providing more financial flexibility.
Bottom Line
FNF scores higher overall (78/100 vs 54/100) and 16.7% revenue growth. 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 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 →Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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