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Enact Holdings Inc (ACT)
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Upturn Advisory Summary
12/05/2025: 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 $40.6
1 Year Target Price $40.6
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.89% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.60B USD | Price to earnings Ratio 8.71 | 1Y Target Price 40.6 |
Price to earnings Ratio 8.71 | 1Y Target Price 40.6 | ||
Volume (30-day avg) 5 | Beta 0.52 | 52 Weeks Range 30.11 - 39.29 | Updated Date 12/7/2025 |
52 Weeks Range 30.11 - 39.29 | Updated Date 12/7/2025 | ||
Dividends yield (FY) 2.08% | Basic EPS (TTM) 4.36 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 53.87% | Operating Margin (TTM) 71.57% |
Management Effectiveness
Return on Assets (TTM) 8.3% | Return on Equity (TTM) 12.75% |
Valuation
Trailing PE 8.71 | Forward PE 7.55 | Enterprise Value 5686132188 | Price to Sales(TTM) 4.57 |
Enterprise Value 5686132188 | Price to Sales(TTM) 4.57 | ||
Enterprise Value to Revenue 4.64 | Enterprise Value to EBITDA - | Shares Outstanding 144395767 | Shares Floating 27640238 |
Shares Outstanding 144395767 | Shares Floating 27640238 | ||
Percent Insiders 80.85 | Percent Institutions 21.75 |
Upturn AI SWOT
Enact Holdings Inc
Company Overview
History and Background
Enact Holdings, Inc. (ACT) was formed in 2017 as a spin-off from its former parent, Genworth Financial, Inc. It is a leading private mortgage insurance (PMI) provider in the United States. The company went public in 2021 through an Initial Public Offering (IPO). Enact focuses on providing mortgage insurance solutions to lenders, enabling borrowers to achieve homeownership with lower down payments.
Core Business Areas
- Private Mortgage Insurance (PMI): Enact's primary business is offering private mortgage insurance, which protects mortgage lenders against losses from borrower defaults. This service is crucial for borrowers who are unable to make a substantial down payment, typically less than 20% of the home's purchase price. Enact underwrites and issues these insurance policies.
- Flow MI: This refers to mortgage insurance for newly originated loans. Enact processes and underwrites these policies, providing ongoing protection to lenders.
- Portfolio MI: This is mortgage insurance for a pool of existing loans, often for lenders with large portfolios. Enact analyzes and insures these portfolios.
Leadership and Structure
Enact Holdings, Inc. is a publicly traded company led by a Chief Executive Officer and a Board of Directors. The specific leadership team includes individuals with extensive experience in the financial services and mortgage insurance industries. The organizational structure is designed to support its core operations in underwriting, risk management, sales, and customer service.
Top Products and Market Share
Key Offerings
- Private Mortgage Insurance (PMI): Enact offers a comprehensive suite of PMI products designed to mitigate credit risk for mortgage lenders. These products are critical for enabling low-down-payment mortgages. Enact is one of the largest providers of PMI in the U.S. market. Competitors include MGIC Investment Corporation (MTG), Radian Group Inc. (RDN), and United Guaranty Residential Insurance Company (a subsidiary of AIG).
Market Dynamics
Industry Overview
The private mortgage insurance industry is closely tied to the health of the U.S. housing market and mortgage origination volumes. Key drivers include interest rates, employment levels, housing affordability, and regulatory environments. The industry plays a vital role in making homeownership accessible by reducing lender risk on loans with lower down payments.
Positioning
Enact Holdings, Inc. is a leading player in the U.S. mortgage insurance market, known for its strong underwriting capabilities, technology adoption, and established relationships with lenders. Its competitive advantages include a significant market share, a diversified customer base, and a commitment to innovation in risk management and customer service.
Total Addressable Market (TAM)
The Total Addressable Market (TAM) for Private Mortgage Insurance is substantial, driven by the volume of mortgage originations and the percentage of loans requiring PMI. While specific TAM figures fluctuate, it is in the tens of billions of dollars annually in terms of insured loan amounts and related premium revenue. Enact Holdings is well-positioned to capture a significant portion of this TAM due to its scale and established market presence.
Upturn SWOT Analysis
Strengths
- Strong market position as a leading PMI provider.
- Diversified customer base across various lender types.
- Robust underwriting and risk management capabilities.
- Technological infrastructure supporting efficient operations.
- Experienced management team with deep industry knowledge.
Weaknesses
- Dependence on the U.S. housing and mortgage markets.
- Potential for increased competition.
- Regulatory risks inherent in the financial services industry.
Opportunities
- Growth in first-time homebuyers and low-down-payment mortgage segments.
- Expansion into new product offerings or geographic markets.
- Leveraging technology for enhanced efficiency and customer experience.
- Potential for M&A activity to consolidate market share or acquire new capabilities.
Threats
- Economic downturns impacting housing prices and mortgage defaults.
- Changes in government housing policies or regulations (e.g., Fannie Mae/Freddie Mac policies).
- Interest rate volatility affecting mortgage origination volumes.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- MGIC Investment Corporation (MTG)
- Radian Group Inc. (RDN)
- Essent Group Ltd. (ESNT)
Competitive Landscape
Enact Holdings competes in a consolidated market with a few dominant players. Its advantages lie in its strong customer relationships, technological capabilities, and established risk management framework. Disadvantages could include market saturation and the need to continually innovate to maintain differentiation.
Growth Trajectory and Initiatives
Historical Growth: Enact Holdings Inc. has demonstrated growth since its inception, driven by increasing market share and the demand for mortgage insurance. Its growth trajectory is closely linked to mortgage origination volumes and its ability to maintain competitive pricing and strong underwriting.
Future Projections: Future projections for Enact Holdings Inc. are likely to be influenced by macroeconomic factors such as interest rates, housing market conditions, and employment. Analyst estimates typically focus on continued premium growth, stable or improving loss ratios, and expansion in its customer base.
Recent Initiatives: Recent initiatives by Enact Holdings may include investments in technology to enhance operational efficiency and customer experience, strategic partnerships with lenders, and efforts to expand its product offerings within the mortgage insurance ecosystem.
Summary
Enact Holdings Inc. is a significant player in the U.S. private mortgage insurance sector, benefiting from a strong market position and robust underwriting capabilities. Its growth is intrinsically linked to the housing market's performance. The company needs to remain vigilant against economic downturns and evolving regulatory landscapes, while continuing to leverage technology for operational efficiency and competitive advantage.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Financial Reports (SEC Filings)
- Industry Analyst Reports
- Financial Data Aggregators
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data and competitor analysis are estimates and may vary depending on the source and methodology used. Past performance is not indicative of future results.
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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