Enact Holdings Inc (ACT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Enact Holdings Inc stock (ACT) is currently trading at $40.30. Enact Holdings Inc PE ratio is 8.93. Enact Holdings Inc PS ratio (Price-to-Sales) is 4.72. Analyst consensus price target for ACT is $45.60. WallStSmart rates ACT as Hold.
- ACT PE ratio analysis and historical PE chart
- ACT PS ratio (Price-to-Sales) history and trend
- ACT intrinsic value — DCF, Graham Number, EPV models
- ACT stock price prediction 2025 2026 2027 2028 2029 2030
- ACT fair value vs current price
- ACT insider transactions and insider buying
- Is ACT undervalued or overvalued?
- Enact Holdings Inc financial analysis — revenue, earnings, cash flow
- ACT Piotroski F-Score and Altman Z-Score
- ACT analyst price target and Smart Rating
Enact Holdings Inc
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ACT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Enact Holdings Inc (ACT)
ACT trades at a significant discount to its Graham intrinsic value of $142.83, offering a 70% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Enact Holdings Inc (ACT) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Enact Holdings Inc (ACT) Key Strengths (4)
Keeps $75 of every $100 in revenue after operating costs
Keeps $55 of every $100 in revenue as net profit
Trading at 1.07x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Enact Holdings Inc (ACT) Areas to Watch (5)
Revenue growing slowly at 3.60% annually
Premium valuation at 4.7x annual revenue
Low institutional interest, mostly retail-driven
Moderate profitability with room for improvement
Solid earnings growth at 15.50%
Enact Holdings Inc (ACT) Detailed Analysis Report
Overall Assessment
This company scores 56/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 4.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.07) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 75.30%, Profit Margin at 54.60%.
The Bear Case
The primary concerns are Revenue Growth, Price/Sales, Institutional Own.. Some valuation metrics including Price/Sales (4.72) suggest expensive pricing. Growth concerns include Revenue Growth at 3.60%, EPS Growth at 15.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ACT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ACT's Price-to-Sales ratio of 4.72x trades at a 24% premium to its historical average of 3.81x (89th percentile). The current valuation is 5% below its historical high of 4.99x set in Mar 2026, and 77% above its historical low of 2.66x in Dec 2021. Over the past 12 months, the PS ratio has expanded from ~4.1x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Enact Holdings Inc (ACT) · FINANCIAL SERVICES › INSURANCE - SPECIALTY
The Big Picture
Enact Holdings Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 1.2B with 4% growth year-over-year. Profit margins are strong at 54.6%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 54.6% and operating margin of 75.3% demonstrate strong pricing power and operational efficiency.
Generating 186M in free cash flow and 186M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor INSURANCE - SPECIALTY industry trends, competitive moves, and regulatory changes that could impact Enact Holdings Inc.
Bottom Line
Enact Holdings Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(81 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MCMULLEN, JAMES Controller | Sell | -2,500 |
| Insider | Type | Shares |
|---|---|---|
DERSTINE, MICHAEL EVP and Chief Risk Officer | Sell | -9,000 |
| Insider | Type | Shares |
|---|---|---|
GENWORTH, HOLDINGS, INC. 10% Owner | Sell | -398,731 |
| Insider | Type | Shares |
|---|---|---|
RESTREPO, ROBERT P JR Director | Sell | -5,000 |
| Insider | Type | Shares |
|---|---|---|
GENWORTH, HOLDINGS, INC. 10% Owner | Sell | -634,953 |
| Insider | Type | Shares |
|---|---|---|
GENWORTH, HOLDINGS, INC. 10% Owner | Sell | -908,673 |
Data sourced from SEC Form 4 filings
Last updated: 10:00:57 AM
About Enact Holdings Inc(ACT)
NASDAQ
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.