Enact Holdings Inc (ACT)vsMBIA Inc (MBI)
ACT
Enact Holdings Inc
$48.48
-0.92%
FINANCIAL SERVICES · Cap: $6.78B
MBI
MBIA Inc
$4.52
-0.44%
FINANCIAL SERVICES · Cap: $244.37M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 1324% more annual revenue ($1.25B vs $88.00M). ACT leads profitability with a 54.5% profit margin vs -164.8%. ACT earns a higher WallStSmart Score of 56/100 (C).
ACT
Buy56
out of 100
Grade: C
MBI
Hold38
out of 100
Grade: F
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 73.3%
Conservative balance sheet, low leverage
Conservative balance sheet, low leverage
Strong operational efficiency at 22.2%
Areas to Watch
4.1% revenue growth
Expensive relative to growth rate
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
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 73.3%.
Bull Case : MBI
The strongest argument for MBI centers on Debt/Equity, Operating Margin.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : MBI
The primary concerns for MBI are PEG Ratio, EPS Growth, Market Cap.
Key Dynamics to Monitor
ACT profiles as a value stock while MBI is a turnaround play — different risk/reward profiles.
MBI carries more volatility with a beta of 1.34 — expect wider price swings.
ACT is growing revenue faster at 4.1% — sustainability is the question.
ACT generates stronger free cash flow (119M), providing more financial flexibility.
Bottom Line
ACT scores higher overall (56/100 vs 38/100), backed by strong 54.5% margins. Both earn "Buy" and "Hold" 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 prominent player in the U.S. housing sector, specializing in private mortgage insurance and comprehensive risk management solutions that enhance the affordability and accessibility of homeownership. The company is characterized by a strong capital foundation and a commitment to innovation, driven by strategic collaborations that optimize lender operations and navigate complex market dynamics. With a focus on proactive risk management and sustainable housing practices, Enact is well-positioned to seize emerging growth opportunities within the evolving real estate landscape, highlighting its essential role in supporting the housing market.
Visit Website →MBIA Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MBIA Inc. provides financial insurance services to the public financial markets. The company is headquartered in Purchase, New York.
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