Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
ACT
Upturn stock ratingUpturn stock rating

Enact Holdings Inc (ACT)

Upturn stock ratingUpturn stock rating
$38.25
Last Close (24-hour delay)
Profit since last BUY0.21%
upturn advisory
Consider higher Upturn Star rating
BUY since 2 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/14/2025: ACT (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

5 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $40

1 Year Target Price $40

Analysts Price Target For last 52 week
$40 Target price
52w Low $30.44
Current$38.25
52w High $38.55

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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

ai summary icon Upturn AI SWOT

Enact Holdings Inc

stock logo

Company Overview

overview logo 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.

business area logo Core Business Areas

  • U.S. Mortgage Insurance: Provides mortgage insurance products that protect lenders against losses from borrower defaults.

leadership logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 421

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.