Enact Holdings Inc (ACT) Fair Value & Analysis
Financial Services · US · Market cap $6.5B · ISIN US29249E1091
What is Enact Holdings Inc really worth?
Enact Holdings Inc
ACT · US
A strong business, trading 15% below our fair value of $58.14.
Strengths
Risks
For context
Fair value as of: Aug 31, 2026
From 6 valuation models · updated 5 days ago
Share price +3.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- The price sits in the lower half of our model range, the side with the larger margin of safety.
- The data supports the verdict: every model runs on fully documented inputs.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 31, 2026.
How to read this chart
60‑month range $15.78 – $50.04 · fair‑value band $43.60 – $72.67 · the $49.51 price screens below the $58.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 31, 2026.
Analysis
Enact Holdings Inc (ACT) currently trades at $49.51, while our model-based Fair Value estimate is $58.14, implying the stock looks roughly 14.8% undervalued today. The Quality Score stands at 75/100 (high quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $53.70 per share, and 2 of the 6 models we run sit above the $49.51 price. Bear case: the Dividend Discount group reads lowest at $10.78, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Enact Holdings Inc generated revenue of $1.2B at a net margin of 54.5%. Revenue grew 1.7% year over year. It earns a return on equity of 12.9%. Net debt stands at $162M. Fundamentals as of Aug 31, 2026
Our scenario range runs from $43.60 (bear case) to $72.67 (bull case); at $49.51, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 49% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 27% fair-value upside, at 17%, ACT screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $2.57 per share, which is 4.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples ($53.70) versus Dividend Discount ($10.78). Highest evidence: Residual Income (71).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 72 · Market factors (momentum, volatility) 80
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company engages in writing and assuming residential mortgage guaranty insurance.
Full company description
Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company engages in writing and assuming residential mortgage guaranty insurance. It also offers private mortgage insurance products insuring prime-based, individually underwritten residential mortgage loans; pool mortgage insurance; contract underwriting services; and mortgage-related reinsurance products. The company serves large money center banks, non-bank lenders, national and local mortgage bankers, community banks, and credit unions. The company was formerly known as Genworth Mortgage Holdings, Inc. and changed its name to Enact Holdings, Inc. in May 2021. Enact Holdings, Inc. was founded in 1981 and is headquartered in Raleigh, North Carolina. Enact Holdings, Inc. is a subsidiary of Genworth Holdings Inc.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Enact Holdings Inc reported revenue of $1.2B in FY2025 versus $1.1B in FY2021, a compound +2.4%/yr. Reported net income was $674M in FY2025, compounding +5.4%/yr from FY2021.
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- 5 Must-Read Analyst Questions From Enact Holdings’s Q2 Earnings Call
- Enact Holdings Inc (ACT) (Q2 2026) Earnings Call Highlights: Strong Earnings and Raised Capital ...
- Enact outlines $550M-$600M 2026 capital return plan as it highlights early ELLA genAI underwriting rollout
Peer Group
Insurance - Specialty · 29 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Specialty median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Aug 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $46.45 | $29.08 | −37% |
| AXIS Capital Holdings AXS | $99.80 | $139.49 | +40% |
| First American Financial Corporation FAF | $73.59 | $64.26 | −13% |
| MGIC Investment Corporation MTG | $31.29 | $39.71 | +27% |
| Essent Group ESNT | $69.27 | $91.14 | +32% |
| Radian Group RDN | $35.80 | $53.56 | +50% |
| Protector Forsikring ASA PROT | kr 480.40 | kr 273.28 | −43% |
| Assured Guaranty Ltd AGO | $74.46 | $148.92 | +100% |
| NMI Holdings NMIH | $44.80 | $56.53 | +26% |
| nib holdings limited, NHF | A$7.40 | A$3.56 | −52% |
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