Enact Holdings Inc (ACT)vsOctave Specialty Group, Inc. (OSG)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
OSG
Octave Specialty Group, Inc.
$4.66
-3.72%
FINANCIAL SERVICES · Cap: $220.26M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 392% more annual revenue ($1.24B vs $251.22M). ACT leads profitability with a 54.6% profit margin vs -104.2%. ACT earns a higher WallStSmart Score of 56/100 (C).
ACT
Buy56
out of 100
Grade: C
OSG
Hold37
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 OSG.
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
Reasonable price relative to book value
Areas to Watch
3.6% revenue growth
Weak financial health signals
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -8.4% — below average capital efficiency
Revenue declined 4.6%
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 : OSG
The strongest argument for OSG centers on Price/Book.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : OSG
The primary concerns for OSG are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ACT profiles as a value stock while OSG is a turnaround play — different risk/reward profiles.
OSG carries more volatility with a beta of 0.84 — 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 37/100), backed by strong 54.6% 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 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 →Octave Specialty Group, Inc.
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Overseas Shipholding Group, Inc. owns and operates a fleet of transoceanic vessels. The company is headquartered in Tampa, Florida.
Compare with Other INSURANCE - SPECIALTY Stocks
Want to dig deeper into these stocks?