Stock AnalizEnact Holdings, Inc. ACT
Specialty Insurers · IPO 2021 · data as of November 13, 2026
Enact Holdings, Inc. (ACT) is a financial company listed in the US with a market value of about $6.1B. In the twelve months to September 30, 2026 it had revenue of $1.3B and net income of $679M, a net margin of 54.1%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (5/5); the weakest is future growth (0/5).
Key numbers: a P/E of 9.5, a price to free cash flow of 8.6, 5-year revenue growth of 2% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 16% above the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.2B | $1.2B | $1.2B | $1.1B | $1.1B | $1.1B | $979M |
| Net income | $679M | $674M | $688M | $666M | $704M | $547M | $370M | $678M |
| Free cash flow | $713M | — | — | — | — | — | — | — |
| EPS (diluted) | $4.80 | $4.52 | $4.37 | $4.11 | $4.31 | $3.36 | $2.27 | $4.16 |
| Net margin | 54.1% | 54.6% | 57.2% | 57.7% | 64.3% | 48.9% | 33.5% | 69.2% |
| ROIC | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $47.00, 4% above the current price; targets range from $40.00 to $51.00; the consensus rating is “Hold”; expected EPS is $4.80 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Enact’s P/E ratio?
About 9.5, based on the last twelve months of diluted earnings per share (forward P/E about 9.2).
Is Enact stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 16% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Enact pay a dividend?
Yes. The dividend yield is about 2.08%, and it has paid dividends for 7 years in our data.
Is Enact a good stock to buy?
We do not give buy or sell advice. Enact scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.