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Enact Holdings Inc (ACT)
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Upturn Advisory Summary
02/20/2026: 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 $45.6
1 Year Target Price $45.6
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.11B USD | Price to earnings Ratio 9.17 | 1Y Target Price 45.6 |
Price to earnings Ratio 9.17 | 1Y Target Price 45.6 | ||
Volume (30-day avg) 5 | Beta 0.51 | 52 Weeks Range 30.76 - 44.80 | Updated Date 02/21/2026 |
52 Weeks Range 30.76 - 44.80 | Updated Date 02/21/2026 | ||
Dividends yield (FY) 1.96% | Basic EPS (TTM) 4.52 |
Earnings Date
Report Date 2026-02-03 | When After Market | Estimate 1.1 | Actual 1.23 |
Profitability
Profit Margin 54.56% | Operating Margin (TTM) 75.33% |
Management Effectiveness
Return on Assets (TTM) 8.47% | Return on Equity (TTM) 13.03% |
Valuation
Trailing PE 9.17 | Forward PE 8.75 | Enterprise Value 6412880753 | Price to Sales(TTM) 4.95 |
Enterprise Value 6412880753 | Price to Sales(TTM) 4.95 | ||
Enterprise Value to Revenue 5.19 | Enterprise Value to EBITDA - | Shares Outstanding 144395767 | Shares Floating 29130708 |
Shares Outstanding 144395767 | Shares Floating 29130708 | ||
Percent Insiders 79.8 | Percent Institutions 21.47 |
Upturn AI SWOT
Enact Holdings Inc
Company Overview
History and Background
Enact Holdings Inc. (ACT) was formed in 2008 as a joint venture between Genworth Financial and a consortium of private equity firms. It operates as a leading provider of private mortgage insurance (PMI). In 2021, Enact Holdings was spun off from Genworth Financial and became a publicly traded company on the Nasdaq.
Core Business Areas
- Private Mortgage Insurance (PMI): Enact Holdings provides PMI to lenders, protecting them from losses on residential mortgages. This allows borrowers to obtain mortgages with lower down payments. The company insures a significant portion of its insured mortgage portfolio.
Leadership and Structure
The company is led by a board of directors and a senior management team responsible for its strategic direction and operations. Specific leadership details can be found in their SEC filings.
Top Products and Market Share
Key Offerings
- Private Mortgage Insurance: Enact Holdings' primary offering is PMI for conventional conforming mortgages. This product is essential for lenders to mitigate risk on loans with less than 20% down payment. Competitors include MGIC Investment Corporation (MTG), Radian Group Inc. (RDN), and United Guaranty (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. Factors like interest rates, home prices, and consumer confidence influence demand for PMI. Regulatory environments also play a significant role.
Positioning
Enact Holdings is a significant player in the U.S. PMI market, known for its strong risk management practices and established relationships with lenders. Its competitive advantages include its extensive underwriting expertise and a large, diversified customer base.
Total Addressable Market (TAM)
The total addressable market for private mortgage insurance is substantial, driven by the volume of residential mortgages originated annually that require PMI. Enact Holdings holds a significant market share within this TAM, competing with a few other major players.
Upturn SWOT Analysis
Strengths
- Strong market position in the U.S. PMI sector
- Experienced management team with deep industry knowledge
- Diversified customer base of mortgage lenders
- Robust risk management framework and underwriting capabilities
Weaknesses
- Sensitivity to housing market downturns
- Reliance on a single core product line (PMI)
- Potential for increased competition and pricing pressure
Opportunities
- Growth in mortgage origination volumes
- Expansion into new product lines or geographic markets
- Technological advancements to improve efficiency and customer service
- Leveraging data analytics for enhanced risk assessment
Threats
- Recessionary economic conditions impacting housing market
- Changes in government housing policy or regulations
- Interest rate hikes impacting mortgage affordability
- Disruptive technologies in the mortgage lending process
Competitors and Market Share
Key Competitors
- MGIC Investment Corporation (MTG)
- Radian Group Inc. (RDN)
Competitive Landscape
Enact Holdings competes in a concentrated market with a few large players. Its advantages lie in its established reputation, strong capital position, and deep relationships with lenders. Potential disadvantages include pricing pressures from competitors and the cyclical nature of the mortgage industry.
Growth Trajectory and Initiatives
Historical Growth: Enact Holdings has experienced consistent growth in its insurance-in-force portfolio and revenue over the past several years, driven by favorable mortgage market conditions and strategic initiatives. The spin-off from Genworth provided an opportunity for focused growth.
Future Projections: Analyst projections for Enact Holdings' future growth are generally positive, anticipating continued expansion of its insurance-in-force and stable profitability, contingent on a healthy housing market. Growth is expected to be driven by market share gains and increasing mortgage origination.
Recent Initiatives: Recent initiatives have likely focused on expanding its lender relationships, enhancing technological capabilities for underwriting and servicing, and optimizing its risk management strategies to ensure long-term solvency and profitability.
Summary
Enact Holdings Inc. is a strong player in the U.S. private mortgage insurance market, benefiting from a robust housing environment and its established lender relationships. The company's core strength lies in its underwriting expertise and risk management. However, it remains vulnerable to economic downturns and evolving regulatory landscapes. Continued focus on technological innovation and prudent capital management will be crucial for sustained growth and navigating potential threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Market Data Providers (e.g., Yahoo Finance, Google Finance)
- Industry Analysis Reports
Disclaimers:
This JSON output is generated based on publicly available information and may not be exhaustive. Financial data and market share figures are estimates and subject to change. This analysis is for informational purposes only and does not constitute financial advice. Investors should conduct their own due diligence before making investment decisions.
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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