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Upturn AI SWOT - About
Enact Holdings Inc (ACT)
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Upturn Advisory Summary
06/27/2025: 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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $39
Year Target Price $39
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.85% | Avg. Invested days 53 | 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 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.52B USD | Price to earnings Ratio 8.28 | 1Y Target Price 39 |
Price to earnings Ratio 8.28 | 1Y Target Price 39 | ||
Volume (30-day avg) - | Beta 0.53 | 52 Weeks Range 29.34 - 37.86 | Updated Date 06/29/2025 |
52 Weeks Range 29.34 - 37.86 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.28% | Basic EPS (TTM) 4.44 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 56.93% | Operating Margin (TTM) 72.92% |
Management Effectiveness
Return on Assets (TTM) 9.11% | Return on Equity (TTM) 14.09% |
Valuation
Trailing PE 8.28 | Forward PE 8.26 | Enterprise Value 5627567557 | Price to Sales(TTM) 4.54 |
Enterprise Value 5627567557 | Price to Sales(TTM) 4.54 | ||
Enterprise Value to Revenue 4.61 | Enterprise Value to EBITDA - | Shares Outstanding 150066000 | Shares Floating 28451065 |
Shares Outstanding 150066000 | Shares Floating 28451065 | ||
Percent Insiders 81.03 | Percent Institutions 20.16 |
Analyst Ratings
Rating 3.4 | Target Price 39 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Enact Holdings Inc
Company Overview
History and Background
Enact Holdings, Inc. (ACT) was formerly part of Genworth Financial, Inc. It was founded in 2021 as an independent publicly traded company. It's a leading provider of private mortgage insurance (PMI) in the U.S. PMI protects lenders against losses if a borrower defaults on a mortgage.
Core Business Areas
- U.S. Mortgage Insurance: Enact's core business segment which provides mortgage insurance to lenders in the United States.
Leadership and Structure
Enact Holdings is led by Rohit Gupta (President and CEO). The organizational structure consists of various departments including underwriting, sales, risk management, and finance.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: Provides coverage to lenders for high loan-to-value mortgages, facilitating homeownership. Enact is one of the largest private mortgage insurers in the US. Competitors include MGIC, Radian, and NMI Holdings. Information on the number of users or revenue generated from specific products is not publicly disclosed.
Market Dynamics
Industry Overview
The U.S. mortgage insurance industry is highly competitive and influenced by factors such as interest rates, housing prices, and unemployment rates. The industry supports homeownership by mitigating lender risk.
Positioning
Enact is a leading player in the private mortgage insurance market, recognized for its risk management and underwriting expertise. It competes with other established PMI providers. Enact has been increasing market share.
Total Addressable Market (TAM)
The TAM is tied to the size of the U.S. mortgage market. In 2023, the new insured mortgage origination was estimated to be roughly $300B. Enact is well-positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong underwriting standards
- Experienced management team
- Established relationships with lenders
- Healthy capital position
Weaknesses
- Dependence on U.S. housing market
- Sensitivity to interest rate fluctuations
- Exposure to mortgage defaults
- Relatively new independent company
Opportunities
- Growing demand for mortgage insurance
- Expansion into new markets or products
- Technological advancements in underwriting
- Partnerships with fintech companies
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Rising interest rates
- Changes to government-sponsored entities (GSEs)
Competitors and Market Share
Key Competitors
- MTG
- RDN
- NMIH
Competitive Landscape
Enact competes with other major PMI providers on price, service, and underwriting expertise. Its strengths include its disciplined underwriting and established lender relationships. Competitors may have different risk appetites or geographic focuses.
Growth Trajectory and Initiatives
Historical Growth: Enact has shown steady growth since becoming an independent entity, driven by increased mortgage originations and strong underwriting performance.
Future Projections: Future growth is dependent on the U.S. housing market and Enact's ability to maintain its market share and underwriting discipline. Analyst estimates vary.
Recent Initiatives: Enact is focused on enhancing its technology platform and expanding its relationships with lenders.
Summary
Enact Holdings is a key player in the mortgage insurance sector with sound underwriting practices. The company's success is highly tied to the US housing market and economic conditions. Recent growth is stable, but continued performance depends on risk management and competition. Challenges lie in navigating market volatility and regulatory shifts.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions are subject to change.
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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