Enact Holdings, Inc.
ACT Mid CapFinancial Services · Insurance - Specialty
Updated: Jun 14, 2026, 22:19 UTC
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Key Metrics
Valuation Analysis
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 Genwo
Enact Holdings, Inc. Stock at a Glance
Enact Holdings, Inc. (ACT) is currently trading at $42.41 with a market capitalization of $5.9B. The trailing P/E ratio stands at 9.18x, with a forward P/E of 8.52x. The 52-week range spans from $33.94 to $44.80; the current price is 5.3% below the yearly high. Year-over-year revenue growth stands at +1.7%. The net profit margin stands at 54.49%.
💰 Dividend
Enact Holdings, Inc. pays an annual dividend of $0.87 per share, representing a yield of 2.05%. The payout ratio stands at 18.18%.
📊 Analyst Rating
4 analysts rate Enact Holdings, Inc. (ACT) on consensus: None. The average price target is $45.75, implying +7.88% from the current price. Analyst price targets range from $44.00 to $48.00.
Enact Holdings, Inc.: The Investment Case in Detail
Enact Holdings, Inc. (ACT) operates in the Financial Services — specifically Insurance - Specialty — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.
The Bull Case
With a gross margin near 73.45%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Free cash flow is positive and net margins stand at 54.49%, meaning reported earnings translate into real cash that can fund buybacks, dividends or strategic acquisitions. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.
The Bear Case
Revenue growth has slowed to just 1.7%, which is below nominal GDP — the business is no longer outgrowing the broader economy. Short interest sits at 15.82% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong.
Investment Thesis: Strengths & Weaknesses
- Profitable with 54.49% net margin
- High gross margin of 73.45% — indicates pricing power
- Currently flagged as undervalued
- Solid dividend yield of 2.05%
- Solid balance sheet with low debt (D/E 13.94)
- Positive free cash flow
- –High short interest (15.82%)
Technical Snapshot
Price shows short-term weakness (below 50d MA) but is still in a longer-term uptrend (above 200d MA).
Risk Profile
The data points to relatively defensive market behavior, elevated short interest (15.82%).
Trading Data
💵 Dividend Info
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