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 24 valuation models · updated 2 days ago
Share price +7.4% over the past month.
Price vs Fair Value (12 months)
12‑month range $33.68 – $46.55 · fair‑value band $47.09 – $78.48 · the $45.51 price screens below the $62.79 fair value. As of Jul 20, 2026.
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Enact Holdings (ACT) currently trades at $45.51, while our model-based Fair Value estimate is $62.79, implying the stock looks roughly 38.0% undervalued today. We read business quality at 76/100 (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 $45.51, the current price sits below that range. The share trades near its 52-week high and 37% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 50% fair-value upside, at 38%, ACT screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 20, 2026. TTM = trailing twelve months.
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. 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.
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.
Is ACT fairly valued? → Check now
Recent news
- Enact (ACT) Stock May Be A Bargain On Earnings After An 89% Run
- PRU Outperforms Industry, Trades at a Discount: Time to Exit or Hold?
- 3 Small-Cap Stocks Trading Under $10 With Room to Run
- Enact to Host Second Quarter 2026 Earnings Call August 6th
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
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 | $46.03 | $46.68 | +1% |
| Medibank Private Limited MDBPF | $3.90 | $1.97 | -49% |
| Beazley plc BZLYF | $16.90 | $33.80 | +100% |
| AXIS Capital Holdings AXS | $100.99 | $137.32 | +36% |
| First American Financial Corporation FAF | $66.13 | $119.17 | +80% |
| MGIC Investment Corporation MTG | $27.05 | $45.39 | +68% |
| Essent Group ESNT | $58.93 | $117.86 | +100% |
| Radian Group RDN | $35.11 | $52.82 | +50% |
| Protector Forsikring ASA PROT | kr 478.60 | kr 441.49 | -8% |
| Assured Guaranty Ltd AGO | $73.87 | $94.60 | +28% |
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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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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.