Enact Holdings Inc(ACT)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL RECENCY
2-STAR RATING
Consider higher Upturn Star rating
BUY for 59 days
PROFIT SINCE LAST BUY
+7.62%
LAST CLOSE
$48.45
09/18/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for ACT

09/18/2026: ACT (2-star) has a low Upturn Star Rating. Not recommended to BUY.

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.

Price Behavior

Hockey-Stick Growth
PRICE PATH

Hockey-Stick Growth

The stock demonstrates a Hockey-Stick Growth price path pattern.

Smooth
PRICE STABILITY

Smooth

The stock has moved along a generally orderly path with only modest fluctuations.

Analysis of Past Performance

Type Stock
Historic Profit -10.93%
Avg. Invested days 42
Today’s Advisory Consider higher Upturn Star rating
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 2.0
Stock Returns Performance Upturn Returns Performance icon 1.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/18/2026

Upturn Scorecard

Upturn Star Rating

ACT receives a 4-star rating, supported by strong unit economics, and solid company fundamentals. The rating is constrained by weak price momentum, and limited analyst upside.

Company Fundamentals

ACT has solid overall fundamentals (4 stars), with solid financial health, moderate growth momentum, and moderate ownership. In FY2025 versus FY2024, strong cash generation (FCF margin 58.9%) and strong profitability (net margin 54.8%) are partially offset by slightly negative earnings growth (-2.0%), moderate revenue growth (+2.4%).

Financial Health Rating

ACT's financial health is supported by strong profitability, including gross margin of 91.1% and operating margin of 69.8%. Liquidity is solid (4 stars), which helps explain the 4-star overall score.

Growth Momentum Score

Free-cash-flow growth is ACT's strongest growth driver at +5.6% FY2025 versus FY2024 (moderate, 3 stars). By comparison, while earnings growth (-2.0%, slightly negative) holds the profile back, so recent growth is not broad-based across the business.

Ownership

Institutional ownership is 22.6% and approximately 19.1% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership of 80.87% supports management-shareholder alignment.

Top 5 Institutional Investors

BlackRock Inc 3.39%
Dimensional Fund Advisors, Inc. 2.26%
Vanguard Portfolio Management, LLC 1.27%
First Trust Advisors L.P. 1.18%
Glendon Capital Management LP 0.94%

Unit Economics (Per $1K Revenue)

ACT generates approximately $911 of gross profit, $698 of operating income, and $589 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 21.49%

Quantitative Style Profile

ACT has a high-quality, relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedQuality TiltLow VolatilitySmall / Mid Cap RiskShort Squeeze Risk

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 6.66B USD
Price to earnings Ratio 10.22
1Y Target Price 50.2
Price to earnings Ratio 10.22
1Y Target Price 50.2
Volume (30-day avg) 390.7K shares
Beta 0.46
52 Weeks Range 33.92 - 50.32
Updated Date 09/20/2026
52 Weeks Range 33.92 - 50.32
Updated Date 09/20/2026
Dividends yield (FY) 1.79%
Basic EPS (TTM) 4.74
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Valuation

Trailing PE 10.22
Forward PE 9.34
Enterprise Value 6.96B
Price to Sales(TTM) 5.31
Enterprise Value 6.96B
Price to Sales(TTM) 5.31
Enterprise Value to Revenue 5.55
Enterprise Value to EBITDA -
Shares Outstanding 137.48M
Shares Floating 26.29M
Shares Outstanding 137.48M
Shares Floating 26.29M
Percent Insiders 80.87
Percent Institutions 22.62

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon 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)

Information icon 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)

Information icon Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.

About Enact Holdings Inc

Exchange NASDAQ
Headquarters 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 419
Full time employees 419

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.