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Enact Holdings Inc (ACT)



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Upturn Advisory Summary
08/14/2025: ACT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 2.11% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.64B USD | Price to earnings Ratio 8.67 | 1Y Target Price 40 |
Price to earnings Ratio 8.67 | 1Y Target Price 40 | ||
Volume (30-day avg) 5 | Beta 0.53 | 52 Weeks Range 30.44 - 38.55 | Updated Date 08/15/2025 |
52 Weeks Range 30.44 - 38.55 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.00% | Basic EPS (TTM) 4.41 |
Earnings Date
Report Date 2025-07-30 | When After Market | Estimate 1.11 | Actual 1.15 |
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 8.67 | Forward PE 8.5 | Enterprise Value 5772875582 | Price to Sales(TTM) 4.61 |
Enterprise Value 5772875582 | Price to Sales(TTM) 4.61 | ||
Enterprise Value to Revenue 4.71 | Enterprise Value to EBITDA - | Shares Outstanding 147506000 | Shares Floating 27303288 |
Shares Outstanding 147506000 | Shares Floating 27303288 | ||
Percent Insiders 81.48 | Percent Institutions 21.76 |
Upturn AI SWOT
Enact Holdings Inc
Company Overview
History and Background
Enact Holdings, Inc. was formerly part of Genworth Financial. It was founded in 2021 as a standalone company through an initial public offering (IPO). The company provides mortgage insurance products in the United States.
Core Business Areas
- U.S. Mortgage Insurance: Provides mortgage insurance products that protect lenders against losses from borrower defaults.
Leadership and Structure
Patrick K. Sullivan serves as Chief Executive Officer. The company has a standard corporate organizational structure with a board of directors and various executive leadership roles.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: Protects lenders against losses on residential mortgage loans. Genworth Mortgage Insurance Corporation holds a significant share of the market, which fluctuates. Competitors include MGIC, Radian, Essent, and National MI. Estimated to be 17% of new insurance written in 2023.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by interest rates, housing market conditions, and regulatory changes. It is a competitive industry with several large players.
Positioning
Enact is a major player in the mortgage insurance market. Their competitive advantage comes from experience, risk management, and established lender relationships.
Total Addressable Market (TAM)
The total addressable market for mortgage insurance is dependent on the overall mortgage market size, which fluctuates with interest rates and economic conditions. Enact is positioned to capture a portion of this TAM, primarily in the private mortgage insurance sector.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Established Lender Relationships
- Experienced Management Team
- Solid Financial Performance
Weaknesses
- Reliance on Housing Market Conditions
- Sensitivity to Interest Rate Changes
- Concentration in the U.S. Market
Opportunities
- Expanding into New Geographic Markets
- Developing New Insurance Products
- Leveraging Technology for Efficiency
- Partnerships with Fintech Companies
Threats
- Increased Competition
- Regulatory Changes
- Economic Downturn
- Rising Interest Rates
Competitors and Market Share
Key Competitors
- MTG
- RDN
- ESNT
- NMIH
Competitive Landscape
Enact competes with other large mortgage insurance companies based on price, service, and risk appetite. It needs to maintain a strong capital position to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Data to be added once financial data becomes available
Future Projections: Data to be added once analyst estimates become available
Recent Initiatives: Focus on improving risk management, expanding lender relationships, and leveraging technology.
Summary
Enact Holdings is a significant player in the mortgage insurance market, benefiting from established lender relationships and a strong brand. The company's performance is closely tied to the housing market and interest rates, posing potential risks. Opportunities lie in expanding its product offerings and leveraging technology. Staying competitive requires effective risk management and a solid capital base.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance 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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