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Upturn AI SWOT - About
Enact Holdings Inc (ACT)
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Upturn Advisory Summary
09/15/2025: ACT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $40
1 Year Target Price $40
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.7% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.74B USD | Price to earnings Ratio 8.82 | 1Y Target Price 40 |
Price to earnings Ratio 8.82 | 1Y Target Price 40 | ||
Volume (30-day avg) 5 | Beta 0.54 | 52 Weeks Range 30.27 - 39.47 | Updated Date 09/15/2025 |
52 Weeks Range 30.27 - 39.47 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.95% | Basic EPS (TTM) 4.41 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 55.35% | Operating Margin (TTM) 74.38% |
Management Effectiveness
Return on Assets (TTM) 8.71% | Return on Equity (TTM) 13.47% |
Valuation
Trailing PE 8.82 | Forward PE 7.94 | Enterprise Value 5870229285 | Price to Sales(TTM) 4.69 |
Enterprise Value 5870229285 | Price to Sales(TTM) 4.69 | ||
Enterprise Value to Revenue 4.79 | Enterprise Value to EBITDA - | Shares Outstanding 147506000 | Shares Floating 27992140 |
Shares Outstanding 147506000 | Shares Floating 27992140 | ||
Percent Insiders 81.01 | Percent Institutions 21.95 |
Upturn AI SWOT
Enact Holdings Inc
Company Overview
History and Background
Enact Holdings, Inc. was formerly part of Genworth Financial. It was spun off in September 2021 through an initial public offering (IPO). The company provides mortgage insurance.
Core Business Areas
- Mortgage Insurance: Enact provides mortgage insurance, primarily insuring prime-quality, single-family mortgage loans in the United States.
Leadership and Structure
Enact Holdings is led by a CEO and executive team. The organizational structure is typical of a publicly traded company, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Mortgage Insurance: Enact's primary product is mortgage insurance. It protects lenders against losses if a borrower defaults on a mortgage. Their market share is estimated around 16% in a highly competitive market. Competitors include MGIC (MTG), Radian (RDN), and National Mortgage (NMIH).
Market Dynamics
Industry Overview
The mortgage insurance industry is cyclical and highly sensitive to interest rates, housing market conditions, and economic factors. Growth is driven by new home purchases and refinancing activity.
Positioning
Enact is a leading provider of private mortgage insurance. Their competitive advantage stems from their risk management practices and relationships with lenders.
Total Addressable Market (TAM)
The TAM for mortgage insurance is dependent on overall mortgage origination volume, which can fluctuate. Enact is positioned to capture a share of this market through its existing lender relationships and strong credit profile.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Established relationships with lenders
- Experienced management team
- Solid risk management practices
Weaknesses
- Highly dependent on the housing market
- Sensitivity to interest rate changes
- Concentrated customer base
- Relatively new independent company
Opportunities
- Expansion into new markets
- Development of new products
- Increased penetration of existing markets
- Partnerships with Fintech companies
Threats
- Economic downturn
- Increased competition
- Changes in government regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- MTG
- RDN
- NMIH
Competitive Landscape
Enact competes with other mortgage insurers on price, service, and risk appetite. Their competitive advantage lies in their risk management and established relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is tied to the performance of the US housing market. The company's IPO was a significant milestone.
Future Projections: Future growth projections depend on the housing market forecast and the company's ability to capture market share. Analysts' estimates should be monitored.
Recent Initiatives: Recent initiatives could include new product launches, partnerships with lenders, and technology investments.
Summary
Enact Holdings is a mortgage insurance company spun off from Genworth Financial with a good market share. The company's performance is highly dependent on the overall US housing market and interest rates. Enact will need to continue focus on strong risk management and build new products to stay ahead of the competition and grow in the long term. Enact should also be mindful of increasing government regulations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company 10K Filings
- Company 10Q Filings
- Company Investor Relations
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Enact Holdings Inc
Exchange NASDAQ | Headquaters Raleigh, NC, United States | ||
IPO Launch date 2021-09-16 | President, CEO & Director Mr. Rohit Gupta | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 421 | Website https://enactmi.com |
Full time employees 421 | Website https://enactmi.com | ||
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 primarily insuring prime-based, individually underwritten residential mortgage loans; contract underwriting services for mortgage lenders; and mortgage-related reinsurance products. The company primarily serves originators of residential mortgage loans. 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.
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