Enact Holdings (ACT) Fair Value & Analysis
Financial Services · US · Market cap $6.5B
Enact Holdings
ACT · US
Fair value as of: Jul 20, 2026
From 6 valuation models · updated 21 days ago
Share price +9.2% over the past month.
A strong business, screening 28% undervalued on our models.
What matters now
- The rarer combination: high quality (75/100) AND below fair value. That earns a closer look rather than a quick verdict.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 20, 2026.
How to read this chart
59‑month range $15.78 – $48.96 · fair‑value band $47.09 – $78.48 · the $48.96 price screens below the $62.79 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 20, 2026.
Analysis
Enact Holdings (ACT) currently trades at $48.96, while our model-based Fair Value estimate is $62.79, implying the stock looks roughly 28.3% undervalued today. The Quality Score stands at 75/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Enact Holdings generated revenue of $1.2B at a net margin of 54.5%. Revenue grew 1.7% year over year. It earns a return on equity of 12.9%. Net debt stands at $162M. Fundamentals as of Jul 20, 2026
Our scenario range runs from $47.09 (bear case) to $78.48 (bull case); at $48.96, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 47% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at 28%, ACT screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($53.70) versus Dividend Discount ($10.78). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 72 · Market factors (momentum, volatility) 81
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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 insuring prime-based, individually underwritten residential mortgage loans; pool mortgage insurance; contract underwriting services; and mortgage-related reinsurance products. The company serves large money center banks, non-bank lenders, national and local mortgage bankers, community banks, and credit unions. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Enact Holdings reported revenue of $1.2B in FY2025 versus $1.1B in FY2021, a compound +2.4%/yr. Reported net income was $674M in FY2025, compounding +5.4%/yr from FY2021.
Watch ACT: get an alert when its fair value changes →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Enact outlines $550M-$600M 2026 capital return plan as it highlights early ELLA genAI underwriting rollout
- Enact Holdings’s (NASDAQ:ACT) Q2 CY2026 Earnings Results: Revenue In Line With Expectations
- Enact Reports Second Quarter 2026 Results; Announces $0.24 Quarterly Dividend
- Enact Holdings, Inc. (ACT) Reports Next Week: Wall Street Expects Earnings Growth
Peer Group
Insurance - Specialty · 32 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Specialty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $49.53 | $29.08 | -41% |
| AXIS Capital Holdings AXS | $114.62 | $177.90 | +55% |
| First American Financial Corporation FAF | $70.06 | $79.33 | +13% |
| MGIC Investment Corporation MTG | $29.47 | $45.39 | +54% |
| Essent Group ESNT | $66.71 | $97.33 | +46% |
| Radian Group RDN | $39.14 | $56.98 | +46% |
| Protector Forsikring ASA PROT | kr 485.80 | kr 418.04 | -14% |
| Assured Guaranty Ltd AGO | $82.49 | $147.67 | +79% |
| NMI Holdings NMIH | $41.16 | $66.55 | +62% |
| nib holdings limited, NHF | A$7.27 | A$5.31 | -27% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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