Enact Holdings Inc (ACT)vsMGIC Investment Corp (MTG)
ACT
Enact Holdings Inc
$49.43
-0.14%
FINANCIAL SERVICES · Cap: $6.78B
MTG
MGIC Investment Corp
$30.74
-0.32%
FINANCIAL SERVICES · Cap: $6.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 5% more annual revenue ($1.25B vs $1.20B). MTG leads profitability with a 59.2% profit margin vs 54.5%. MTG trades at a lower P/E of 9.6x. MTG earns a higher WallStSmart Score of 67/100 (B-).
ACT
Buy56
out of 100
Grade: C
MTG
Strong Buy67
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 73.3%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 59 of every $100 in revenue as profit
Strong operational efficiency at 80.8%
Conservative balance sheet, low leverage
Areas to Watch
4.1% revenue growth
Weak financial health signals
Revenue declined 2.9%
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 : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 59.2% and operating margin at 80.8%. PEG of 0.40 suggests the stock is reasonably priced for its growth.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : MTG
The primary concerns for MTG are Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
ACT profiles as a value stock while MTG is a declining play — different risk/reward profiles.
MTG carries more volatility with a beta of 0.65 — expect wider price swings.
ACT is growing revenue faster at 4.1% — sustainability is the question.
MTG generates stronger free cash flow (184M), providing more financial flexibility.
Bottom Line
MTG scores higher overall (67/100 vs 56/100), backed by strong 59.2% margins. 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 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 →MGIC Investment Corp
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.
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