Enact Holdings Inc (ACT)vsMBIA Inc (MBI)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
MBI
MBIA Inc
$5.79
-0.69%
FINANCIAL SERVICES · Cap: $291.95M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 1174% more annual revenue ($1.24B vs $97.00M). ACT leads profitability with a 54.6% profit margin vs -1.8%. ACT earns a higher WallStSmart Score of 56/100 (C).
ACT
Buy56
out of 100
Grade: C
MBI
Avoid34
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.5%
Fair Value
$142.83
Current Price
$40.30
$102.53 discount
Intrinsic value data unavailable for MBI.
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
15.4% revenue growth
Areas to Watch
3.6% revenue growth
Weak financial health signals
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 54.6% and operating margin at 75.3%.
Bull Case : MBI
The strongest argument for MBI centers on Revenue Growth. Revenue growth of 15.4% demonstrates continued momentum.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
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 growth play — different risk/reward profiles.
MBI carries more volatility with a beta of 1.47 — expect wider price swings.
MBI is growing revenue faster at 15.4% — sustainability is the question.
ACT generates stronger free cash flow (186M), providing more financial flexibility.
Bottom Line
ACT scores higher overall (56/100 vs 34/100), backed by strong 54.6% margins. Both earn "Buy" and "Avoid" 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 →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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