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Enact Holdings Inc(ACT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ACT
10/20/2026: ACT (2-star) is currently NOT-A-BUY. Pass it for now.
Enact Holdings Inc is a specialized provider of private mortgage insurance in the United States, helping lenders manage credit risk and supporting broader homeownership. The company is known for its disciplined underwriting and strong capital position, which have helped it maintain a stable market presence. Its primary growth opportunity lies in leveraging digital integrations with lenders and efficient capital management. However, the business is sensitive to housing market cycles, interest rate changes, and regulatory requirements set by government-sponsored enterprises. Enact may be a suitable investment for value and dividend-focused investors, though shareholders should monitor macroeconomic indicators and housing market trends as key drivers of performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company operates in a mature, cyclical industry with steady rather than explosive growth potential. |
| Momentum investor | Mixed fit | Momentum appeal depends on positive housing market cycles and potential upturns in the broader financial sector. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples relative to its earnings power and capital strength. |
| Dividend investor | Strong fit | Enact offers a reliable dividend yield supported by consistent operational cash flows in the mortgage insurance space. |
| Low-risk investor | Mixed fit | While capital-stable, the company remains exposed to housing market and interest rate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock can be sensitive to macroeconomic reports and shifts in housing market sentiment. |
| Valuation risk | Low | The stock often trades at valuations that reflect cyclical risks inherent to mortgage insurance. |
| Competition risk (Mortgage Insurance) | Medium | Competitive pricing pressure from peers like ESNT and MTG can impact underwriting margins. |
| Business quality | Medium / high | The franchise has a strong reputation and regulatory standing in the mortgage insurance market. |
| Dividend income | Medium | Dividends are reliable but can be subject to capital allocation decisions by the board. |
| Execution risk | Low | The management team has demonstrated consistent success in operating within regulatory frameworks. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -13.65% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/20/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.35B USD | Price to earnings Ratio 9.74 | 1Y Target Price 49.4 |
Price to earnings Ratio 9.74 | 1Y Target Price 49.4 | ||
Volume (30-day avg) 425.1K shares | Beta 0.47 | 52 Weeks Range 33.92 - 50.32 | Updated Date 10/20/2026 |
52 Weeks Range 33.92 - 50.32 | Updated Date 10/20/2026 | ||
Dividends yield (FY) 1.88% | Basic EPS (TTM) 4.74 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Mortgage Insurance Premiums | Recurring insurance premiums collected from lenders for providing mortgage credit protection. | The company generates steady revenue as long as homeowners continue to pay their mortgages. |
Valuation
Trailing PE 9.74 | Forward PE 9.2 | Enterprise Value 6.86B | Price to Sales(TTM) 5.06 |
Enterprise Value 6.86B | Price to Sales(TTM) 5.06 | ||
Enterprise Value to Revenue 5.47 | Enterprise Value to EBITDA - | Shares Outstanding 137.48M | Shares Floating 27.05M |
Shares Outstanding 137.48M | Shares Floating 27.05M | ||
Percent Insiders 80.87 | Percent Institutions 22.57 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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