US · ACT
Enact Holdings, Inc.
- Sector
- Financial Services · Insurance - Specialty
- Headquarters
- Raleigh, NC 27615
- Website
- enactmi.com
Price · as of 2025-12-31
$42.60
Market cap 6.04B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $59.81 | +40.4% |
| Intrinsic Value(DCF) | $19.39 | -54.48% |
| Graham-Dodd Method(GD) | $46.60 | +9.38% |
| Graham Formula(GF) | $47.38 | +11.22% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | $21.28 | $99.11 | |||
| 2020 | $0.00 | $46.78 | |||
| 2021 | $17.79 | $49.86 | $26.36 | $23.55 | $31.15 |
| 2022 | $20.64 | $43.15 | $28.58 | $23.70 | $26.06 |
| 2023 | $27.46 | $46.20 | $20.78 | $29.62 | $55.00 |
| 2024 | $33.35 | $53.46 | $9.71 | $43.26 | $53.48 |
| 2025 | $42.44 | $59.81 | $3.41 | $46.60 | $47.38 |
AI valuation
Our deep-learning model estimates Enact Holdings, Inc.'s (ACT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $59.81
- Current price
- $42.60
- AI upside
- +40.4%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$19.39
-54.48% upside
Graham-Dodd
$46.60
+9.38% upside
Graham Formula
$47.38
+11.22% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ACT | Enact Holdings, Inc. | $42.60 | 6.04B | +40% | -54% | +9% | +11% | 9.34 | 1.18 | 5.12 | 7.11 | 272.08 | 1.18 | 91.10% | 69.80% | 54.80% | 13.03% | 12.63% | 10.03% | 0.14 | 17.19 | 6.86 | 6.86 | 0.18 | 343.00% | 237.00% | 557.00% | 11.51% | 7.91 | 13.58% | 1.92% | 17.90% | 1.92% | 7.52 | 8.91 | 5.25 | 3.89 |
| AGO | Assured Guaranty Ltd. | $86.21 | 3.98B | +75% | +11% | — | -40% | 8.50 | 0.76 | 5.43 | -1.03 | 17.65 | 0.76 | 92.89% | 84.01% | 63.83% | 9.02% | 20.34% | 4.18% | 0.30 | 7.44 | — | — | 1.75 | 4818.00% | -319.00% | 152979.00% | 17.91% | — | 28.69% | 17.89% | 152.10% | 35.71% | -1.17 | -1.01 | -0.99 | 2.14 |
| EIG | Employers Holdings, Inc. | $41.35 | 929.51M | +72% | -13% | -47% | -94% | 92.64 | 1.05 | 1.17 | -117.06 | — | 1.10 | 32.21% | 1.40% | 1.26% | 1.07% | -1.49% | 0.31% | 0.04 | 24.00 | 4.98 | 88.29 | -197.10 | -9045.00% | -255.00% | 3119.00% | 9.37% | 2.92 | -12.91% | 2.99% | 276.90% | 242.82% | -121.94 | -15.60 | -1.71 | 1.14 |
| ESNT | Essent Group Ltd. | $60.84 | 5.88B | +50% | -14% | +21% | -11% | 8.80 | 1.05 | 4.82 | 7.57 | 1205.58 | 1.07 | 88.16% | 65.18% | 54.72% | 12.15% | 21.95% | 9.48% | 0.10 | 25.14 | 0.34 | 0.34 | 0.51 | 73.00% | -49.00% | -71.00% | 13.98% | 1.67 | 27.00% | 2.01% | 17.70% | 2.01% | 7.92 | 7.67 | 5.16 | 3.63 |
| FAF | First American Financial … | $70.11 | 7.14B | +32% | +81% | -52% | +147% | 11.68 | 1.32 | 0.98 | 6.49 | 3.10 | 2.03 | 95.61% | 11.10% | 8.35% | 11.95% | 10.83% | 3.99% | 0.35 | 5.26 | — | — | 0.43 | 37619.00% | 2164.00% | 1226.00% | 10.50% | — | 13.21% | 3.07% | 35.90% | 6.11% | 9.42 | 10.20 | 1.04 | 1.48 |
| MTG | MGIC Investment Corporati… | $26.53 | 5.75B | +79% | +34% | +48% | +5% | 8.29 | 1.19 | 5.04 | 6.69 | 95.85 | 1.19 | 94.90% | 76.51% | 60.84% | 14.31% | 28.65% | 11.20% | 0.13 | 26.91 | — | — | 0.28 | 865.00% | 49.00% | 1767.00% | 13.91% | — | 33.05% | 0.00% | 0.00% | 2.36% | 6.88 | 7.50 | 5.27 | 3.11 |
| NMIH | NMI Holdings, Inc. | $39.31 | 3.02B | +898% | +3,601% | +49% | +106% | 7.91 | 1.19 | 4.36 | 6.53 | 71.51 | 1.19 | 91.83% | 70.84% | 55.12% | 16.17% | 14.03% | 10.82% | 0.16 | 17.55 | 0.00 | 0.00 | 0.71 | 1106.00% | 839.00% | 668.00% | 13.41% | 0.00 | 14.88% | 0.00% | 0.00% | 3.42% | 6.90 | 8.36 | 4.89 | -123.67 |
| RDN | Radian Group Inc. | $34.52 | 4.7B | +46% | -24% | +16% | -40% | 8.28 | 1.01 | 3.87 | 6.80 | 147.46 | 1.01 | 92.30% | 61.19% | 46.73% | 12.39% | 16.57% | 6.94% | 0.24 | 11.64 | 0.14 | 0.14 | 1.24 | 561.00% | -336.00% | -15048.00% | 6.98% | 0.32 | 9.32% | 3.02% | 25.00% | 37.30% | 7.77 | 17.62 | 4.75 | 2.08 |
| TIPT | Tiptree Inc. | $17.03 | 644.14M | +111% | -18% | -77% | +163% | 9.62 | 1.84 | 0.41 | -0.77 | 3.27 | 7.99 | 58.82% | 7.31% | 2.61% | 20.05% | -17.74% | 1.62% | 0.94 | 4.63 | — | — | 0.53 | 29394.00% | 2388.00% | 31225.00% | 28.08% | — | -47.91% | 2.94% | 28.30% | 2.94% | -1.05 | -0.66 | -0.08 | 0.57 |
About Enact Holdings, Inc.
Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company is involved in writing and assuming residential mortgage guaranty insurance. It offers private mortgage insurance products primarily insuring prime-based, individually underwritten residential mortgage loans; and contract underwriting services for mortgage lenders. 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.
- CEO
- Rohit Gupta
- Employees
- 421
- Beta
- 0.51
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($19.39 ÷ $42.60) − 1 = -54.48% (DCF, example).