Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ACT
Strong BuyPremium GrowerFLAGEnact Holdings, Inc. · Financial Services · United States · $6.7B · Avg Vol: $17M/d
Enact Holdings has quality Q72 and momentum M63 with a buyback retiring 3.05% of shares, but value at V45 is below the calibrated floor, so stage one fails. Insiders sold 1.28%, which is separately adverse.
COMPANY DESCRIPTION
Enact Holdings, Inc. is a leading private mortgage insurance provider in the United States, offering credit protection to mortgage lenders for loans with low down payments. The company maintains a strong competitive position through its robust capital base, disciplined underwriting, and established relationships with a broad network of mortgage originators. This focus on mitigating credit risk for lenders secures its role as an essential facilitator in the U.S. housing finance market.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.1B | 1.2B | 1.2B | 1.2B | 4.1% | 1.3B | 1.3B | 1.3B | 1.4% |
| EPS | 4.32 | 4.14 | 4.40 | 4.54 | 1.7% | 4.74 | 4.77 | 4.93 | 4.2% |
| Shares | 162.8M | 159.3M | 152.3M | 142.2M | -12.6% | 137.5M | — | — | — |
| Debt | 742.8M | 745.4M | 743.0M | 744.5M | 0.1% | 745.2M | — | — | — |
| Equity | 4.1B | 4.6B | 5.0B | 5.4B | 9.3% | — | — | — | — |
| Op CF | 560.5M | 632.0M | 686.3M | 724.5M | 8.9% | 720.8M | — | — | — |
| Inv CF | -220.3M | -229.4M | -320.5M | -226.4M | — | — | — | — | — |
| Fin CF | -252.3M | -300.7M | -382.0M | -515.1M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ACT are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ACT | Enact Holdings, Inc.(you) | $6.7B | 84 | Strong Buy |
| MTG | MGIC Investment Corporation | $6.4B | 85 | Strong Buy |
| FAF | First American Financial Corporation | $7.6B | 78 | Buy |
| NMIH | NMI Holdings, Inc. | $3.4B | 83 | Strong Buy |
| RDN | Radian Group Inc. | $4.8B | 71 | Buy |
| ITIC | Investors Title Company | $565M | 89 | Strong Buy |
| FNF | Fidelity National Financial, Inc. | $12.8B | 36 | Hold |
| RYAN | Ryan Specialty Holdings, Inc. | $17.1B | 27 | Sell |
| EIG | Employers Holdings, Inc. | $883M | 39 | Hold |
| AMSF | AMERISAFE, Inc. | $487M | 49 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%