WallStSmart

Enact Holdings Inc (ACT)vsRyan Specialty Group Holdings Inc (RYAN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ryan Specialty Group Holdings Inc generates 150% more annual revenue ($3.10B vs $1.24B). ACT leads profitability with a 54.5% profit margin vs 3.5%. ACT trades at a lower P/E of 9.4x. RYAN earns a higher WallStSmart Score of 56/100 (C).

ACT

Buy

54

out of 100

Grade: C-

Growth: 4.7Profit: 8.5Value: 6.7Quality: 5.8
Piotroski: 3/9

RYAN

Buy

56

out of 100

Grade: C

Growth: 9.3Profit: 6.5Value: 4.7Quality: 4.5
Piotroski: 3/9Altman Z: 0.61

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACT5 strengths · Avg: 9.8/10
P/E RatioValuation
9.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
54.5%10/10

Keeps 55 of every $100 in revenue as profit

Operating MarginProfitability
72.3%10/10

Strong operational efficiency at 72.3%

Debt/EquityHealth
0.149/10

Conservative balance sheet, low leverage

RYAN3 strengths · Avg: 9.0/10
EPS GrowthGrowth
110.1%10/10

Earnings expanding 110.1% YoY

Return on EquityProfitability
22.8%9/10

Every $100 of equity generates 23 in profit

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

Areas to Watch

ACT2 concerns · Avg: 3.5/10
Revenue GrowthGrowth
1.7%4/10

1.7% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

RYAN4 concerns · Avg: 3.0/10
P/E RatioValuation
35.8x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
3.5%3/10

3.5% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-180.68M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : RYAN

The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.

Bear Case : ACT

The primary concerns for ACT are Revenue Growth, Piotroski F-Score.

Bear Case : RYAN

The primary concerns for RYAN are P/E Ratio, Profit Margin, Piotroski F-Score. Debt-to-equity of 5.68 is elevated, increasing financial risk. Thin 3.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

ACT profiles as a value stock while RYAN is a growth play — different risk/reward profiles.

RYAN carries more volatility with a beta of 0.68 — expect wider price swings.

RYAN is growing revenue faster at 15.8% — sustainability is the question.

ACT generates stronger free cash flow (224M), providing more financial flexibility.

Bottom Line

RYAN scores higher overall (56/100 vs 54/100) and 15.8% revenue growth. Both earn "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 premier provider of private mortgage insurance and risk management solutions, focusing on the U.S. housing sector. The company plays a critical role in facilitating homeownership and promoting sustainable housing initiatives, utilizing its strong capital position and strategic alliances to navigate market complexities. With a commitment to innovation and technological advancement, Enact is well-equipped to adapt to industry dynamics, positioning itself to seize growth opportunities while enhancing lender capabilities and effectively managing risk exposure.

Visit Website →

Ryan Specialty Group Holdings Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Ryan Specialty Group Holdings Inc is a prominent provider of specialty insurance solutions, dedicated to delivering innovative risk management services across various sectors. Utilizing its extensive network of insurance wholesale operations and underwriting expertise, the company effectively addresses the complex needs of its clients while fostering strong partnerships with insurers and distribution channels. By harnessing advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client outcomes, solidifying its position as a vital entity in the evolving insurance landscape. With a strong focus on strategic growth initiatives, the company is well-positioned to generate sustainable shareholder value in a competitive market.

Visit Website →

Want to dig deeper into these stocks?