Enact Holdings Inc (ACT)vsNMI Holdings Inc (NMIH)
ACT
Enact Holdings Inc
$48.34
+0.77%
FINANCIAL SERVICES · Cap: $6.49B
NMIH
NMI Holdings Inc
$43.44
-2.03%
FINANCIAL SERVICES · Cap: $3.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 73% more annual revenue ($1.24B vs $716.67M). ACT leads profitability with a 54.5% profit margin vs 53.8%. NMIH trades at a lower P/E of 8.7x. NMIH earns a higher WallStSmart Score of 67/100 (B-).
ACT
Buy54
out of 100
Grade: C-
NMIH
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 72.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 72.0%
Conservative balance sheet, low leverage
Areas to Watch
1.7% revenue growth
Expensive relative to growth rate
0.0% earnings growth
Weak financial health signals
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 : NMIH
The strongest argument for NMIH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 53.8% and operating margin at 72.0%.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
ACT profiles as a value stock while NMIH is a mature play — different risk/reward profiles.
NMIH carries more volatility with a beta of 0.54 — expect wider price swings.
NMIH is growing revenue faster at 5.9% — sustainability is the question.
ACT generates stronger free cash flow (224M), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (67/100 vs 54/100), backed by strong 53.8% 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 →NMI Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
NMI Holdings, Inc. provides private home equity insurance services in the United States. The company is headquartered in Emeryville, California.
Compare with Other INSURANCE - SPECIALTY Stocks
Want to dig deeper into these stocks?