Enact Holdings Inc (ACT)vsFidelity National Financial Inc (FNF)
ACT
Enact Holdings Inc
$44.04
+1.90%
FINANCIAL SERVICES · Cap: $6.03B
FNF
Fidelity National Financial Inc
$50.58
+0.62%
FINANCIAL SERVICES · Cap: $13.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1069% more annual revenue ($14.51B vs $1.24B). ACT leads profitability with a 54.5% profit margin vs 4.2%. ACT trades at a lower P/E of 9.4x. FNF earns a higher WallStSmart Score of 72/100 (B).
ACT
Buy54
out of 100
Grade: C-
FNF
Strong Buy72
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 37.1% YoY
Areas to Watch
1.7% revenue growth
Weak financial health signals
ROE of 7.8% — below average capital efficiency
4.2% 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 PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 12.3% 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, Piotroski F-Score.
Bear Case : FNF
The primary concerns for FNF are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.2% margins leave little buffer for downturns.
Key Dynamics to Monitor
FNF carries more volatility with a beta of 1.05 — expect wider price swings.
FNF is growing revenue faster at 12.3% — sustainability is the question.
FNF generates stronger free cash flow (848M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FNF scores higher overall (72/100 vs 54/100) and 12.3% 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 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 →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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