Enact Holdings Inc (ACT)vsInvestors Title Company (ITIC)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
ITIC
Investors Title Company
$213.40
-0.98%
FINANCIAL SERVICES · Cap: $406.81M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 353% more annual revenue ($1.24B vs $272.71M). ACT leads profitability with a 54.6% profit margin vs 12.9%. ACT trades at a lower P/E of 8.9x. ACT earns a higher WallStSmart Score of 56/100 (C).
ACT
Buy56
out of 100
Grade: C
ITIC
Buy51
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
-113.7%
Fair Value
$126.34
Current Price
$213.40
$87.06 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
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
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
Revenue declined 1.6%
Earnings declined 10.1%
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 : ITIC
The strongest argument for ITIC centers on P/E Ratio, Debt/Equity, Altman Z-Score.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : ITIC
The primary concerns for ITIC are PEG Ratio, Market Cap, Revenue Growth.
Key Dynamics to Monitor
ACT profiles as a value stock while ITIC is a declining play — different risk/reward profiles.
ITIC carries more volatility with a beta of 0.65 — expect wider price swings.
ACT is growing revenue faster at 3.6% — sustainability is the question.
ACT generates stronger free cash flow (186M), providing more financial flexibility.
Bottom Line
ACT scores higher overall (56/100 vs 51/100), backed by strong 54.6% 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, 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 →Investors Title Company
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Investors Title Company, is dedicated to the issuance of residential and commercial title insurance for residential, institutional, commercial and industrial properties. The company is headquartered in Chapel Hill, North Carolina.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
Want to dig deeper into these stocks?