Symbols / ACT Stock $42.60 -0.30% Enact Holdings, Inc.

Financial Services • Insurance - Specialty • United States • NMS
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Index EQUITY
Sector Financial Services
Industry Insurance - Specialty
CEO Mr. Rohit Gupta
Exch · Country NMS · United States
Market Cap 6.01B
Enterprise Value 6.20B
Income 674.24M
Sales 1.24B
FCF (ttm) 1.11B
Book/sh 37.66
Cash/sh 4.12
Employees 419
Insider 10d
IPO Sep 16, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 18.03%
P/E 9.42
Forward P/E 8.42
PEG
P/S 4.87
P/B 1.13
P/C
EV/EBITDA
EV/Sales 5.02
Quick Ratio 0.94
Current Ratio 1.02
Debt/Eq 14.05
LT Debt/Eq
EPS (ttm) 4.52
EPS next Y 5.06
EPS Growth 15.50%
Revenue Growth 3.60%
EPS Gr Q/Q 8.90%
Rev Gr Q/Q
Earnings (next) 2026-05-05
Earnings (prior) 2026-02-03
ROA 8.48%
ROE 13.03%
ROIC
Gross Margin 73.60%
Oper. Margin 75.33%
Profit Margin 54.56%
Shs Outstand 141.19M
Shs Float 27.60M
Insider Own 81.47%
Instit Own 21.83%
Short Float 13.85%
Short Ratio 11.91
Short Interest 3.62M
52W High 44.80
vs 52W High -4.91%
52W Low 33.94
vs 52W Low 25.52%
Beta 0.51
Impl. Vol. 56.25%
Rel Volume 1.45
Avg Volume 324.20K
Volume 469.33K
Target (mean) $45.80
Tgt Median $44.00
Tgt Low $42.00
Tgt High $50.00
# Analysts 5
Recom Hold
Prev Close $42.73
Price $42.60
Change -0.30%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$42.60
Low
$42.00
High
$50.00
Mean
$45.80

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-21 main B of A Securities Buy → Buy $49
2026-02-05 main JP Morgan Neutral → Neutral $44
2026-02-05 main Keefe, Bruyette & Woods Market Perform → Market Perform $44
2026-01-12 main JP Morgan Neutral → Neutral $40
2025-12-18 main Keefe, Bruyette & Woods Market Perform → Market Perform $43
2025-11-07 main JP Morgan Neutral → Neutral $39
2025-08-11 main JP Morgan Neutral → Neutral $37
2025-07-11 main JP Morgan Neutral → Neutral $39
2025-07-07 main Keefe, Bruyette & Woods Market Perform → Market Perform $40
2025-05-05 main UBS Neutral → Neutral $40
2025-05-05 down Keefe, Bruyette & Woods Outperform → Market Perform $39
2025-04-08 main Keefe, Bruyette & Woods Outperform → Outperform $39
2025-01-14 main JP Morgan Neutral → Neutral $35
2025-01-08 main Keefe, Bruyette & Woods Outperform → Outperform $41
2024-12-10 main Keefe, Bruyette & Woods Outperform → Outperform $43
2024-12-09 main JP Morgan Neutral → Neutral $36
2024-08-05 main BTIG Buy → Buy $37
2024-05-22 main UBS Neutral → Neutral $33
2024-04-04 main Keefe, Bruyette & Woods Outperform → Outperform $37
2024-04-03 main JP Morgan Neutral → Neutral $31
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-01 MCMULLEN JAMES Officer 594
2026-03-31 GENWORTH HOLDINGS, INC. Beneficial Owner of more than 10% of a Class of Security 820,567 $40.92 $33,579,571
2026-03-06 MCMULLEN JAMES Officer 2,500 $41.64 $104,100
2026-03-02 DERSTINE MICHAEL Officer 9,000 $42.21 $379,917
2026-02-27 GENWORTH HOLDINGS, INC. Beneficial Owner of more than 10% of a Class of Security 398,731 $42.19 $16,823,537
2026-02-24 GUPTA ROHIT Chief Executive Officer 190,594
2026-02-24 STOLOVE EVAN General Counsel 19,072
2026-02-24 DERSTINE MICHAEL Officer 17,952
2026-02-24 MITCHELL HARDIN DEAN Chief Financial Officer 42,616
2026-02-24 GOULD BRIAN Chief Operating Officer 15,710
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,235.83
+2.83%
1,201.77
+4.17%
1,153.69
+5.37%
1,094.87
Operating Revenue
1,235.83
+2.83%
1,201.77
+4.17%
1,153.69
+5.37%
1,094.87
Other Operating Expenses
0.16
-0.17
Total Expenses
376.99
+16.46%
323.71
+7.13%
302.18
+53.66%
196.65
EBIT
908.79
-2.20%
929.22
+2.86%
903.38
-4.90%
949.92
Total Unusual Items
0.00
+100.00%
-10.93
0.00
0.00
Total Unusual Items Excluding Goodwill
0.00
+100.00%
-10.93
0.00
0.00
Special Income Charges
0.00
+100.00%
-10.93
0.00
0.00
Other Special Charges
10.93
Net Income
674.24
-2.01%
688.07
+3.39%
665.51
-5.49%
704.16
Pretax Income
858.84
-2.19%
878.06
+3.12%
851.51
-5.20%
898.22
Net Non Operating Interest Income Expense
-49.95
+2.36%
-51.16
+1.37%
-51.87
-0.32%
-51.70
Interest Expense Non Operating
49.95
-2.36%
51.16
-1.37%
51.87
+0.32%
51.70
Net Interest Income
-49.95
+2.36%
-51.16
+1.37%
-51.87
-0.32%
-51.70
Interest Expense
49.95
-2.36%
51.16
-1.37%
51.87
+0.32%
51.70
Other Income Expense
5.45
+39.15%
3.91
+19.88%
3.26
+41.36%
2.31
Tax Provision
184.59
-2.84%
189.99
+2.15%
186.00
-4.16%
194.06
Tax Rate For Calcs
0.00
-0.46%
0.00
-0.92%
0.00
+0.93%
0.00
Tax Effect Of Unusual Items
0.00
+100.00%
-2.36
0.00
0.00
Net Income Including Noncontrolling Interests
674.24
-2.01%
688.07
+3.39%
665.51
-5.49%
704.16
Net Income From Continuing Operation Net Minority Interest
674.24
-2.01%
688.07
+3.39%
665.51
-5.49%
704.16
Net Income From Continuing And Discontinued Operation
674.24
-2.01%
688.07
+3.39%
665.51
-5.49%
704.16
Net Income Continuous Operations
674.24
-2.01%
688.07
+3.39%
665.51
-5.49%
704.16
Normalized Income
674.24
-3.21%
696.64
+4.68%
665.51
-5.49%
704.16
Net Income Common Stockholders
674.24
-2.01%
688.07
+3.39%
665.51
-5.49%
704.16
Diluted EPS
4.52
+3.43%
4.37
+6.33%
4.11
-4.64%
4.31
Basic EPS
4.54
+3.18%
4.40
+6.28%
4.14
-4.17%
4.32
Basic Average Shares
148.37
-5.06%
156.28
-2.86%
160.87
-1.21%
162.84
Diluted Average Shares
149.32
-5.23%
157.55
-2.65%
161.85
-0.89%
163.29
Diluted NI Availto Com Stockholders
674.24
-2.01%
688.07
+3.39%
665.51
-5.49%
704.16
Earnings From Equity Interest Net Of Tax
Loss Adjustment Expense
109.53
+183.33%
38.66
+42.30%
27.16
+128.83%
-94.22
Net Policyholder Benefits And Claims
109.53
+183.33%
38.66
+42.30%
27.16
+128.83%
-94.22
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
6,893.47
+5.70%
6,521.53
+5.35%
6,190.47
+8.43%
5,709.15
Cash Cash Equivalents And Short Term Investments
2,384.18
-61.72%
6,227.57
+5.52%
5,902.04
+9.27%
5,401.58
Cash And Cash Equivalents
582.49
-2.83%
599.43
-2.64%
615.68
+19.84%
513.77
Other Short Term Investments
1,801.69
-67.99%
5,628.14
+6.47%
5,286.36
+8.15%
4,887.81
Receivables
46.13
-13.01%
53.03
+17.66%
45.07
+7.98%
41.74
Accounts Receivable
46.13
-13.01%
53.03
+17.66%
45.07
+7.98%
41.74
Investments And Advances
6,050.54
+7.51%
5,628.14
+6.47%
5,286.36
+8.15%
4,887.81
Total Liabilities Net Minority Interest
1,538.29
+0.84%
1,525.43
-2.10%
1,558.13
-3.12%
1,608.24
Current Debt And Capital Lease Obligation
0.00
-100.00%
750.00
Current Debt
0.00
-100.00%
750.00
Long Term Debt And Capital Lease Obligation
744.48
+0.19%
743.05
+16309.64%
-4.58
-100.62%
742.83
Long Term Debt
744.48
+0.19%
743.05
+16309.64%
-4.58
-100.62%
742.83
Non Current Deferred Liabilities
-7.17
Non Current Deferred Revenue
-7.17
Non Current Deferred Taxes Liabilities
Stockholders Equity
5,355.18
+7.19%
4,996.10
+7.85%
4,632.35
+12.96%
4,100.91
Common Stock Equity
5,355.18
+7.19%
4,996.10
+7.85%
4,632.35
+12.96%
4,100.91
Capital Stock
1.42
-6.63%
1.52
-4.39%
1.59
-2.15%
1.63
Common Stock
1.42
-6.63%
1.52
-4.39%
1.59
-2.15%
1.63
Share Issued
142.21
-6.64%
152.32
-4.41%
159.34
-2.11%
162.78
Ordinary Shares Number
142.21
-6.64%
152.32
-4.41%
159.34
-2.11%
162.78
Additional Paid In Capital
1,706.48
-17.83%
2,076.79
-10.13%
2,310.89
-2.99%
2,382.07
Retained Earnings
3,677.42
+17.67%
3,125.24
+22.55%
2,550.26
+21.44%
2,099.96
Gains Losses Not Affecting Retained Earnings
-30.14
+85.47%
-207.46
+9.96%
-230.40
+39.80%
-382.74
Other Equity Adjustments
-30.14
+85.47%
-207.46
+9.96%
-230.40
+39.80%
-382.74
Total Equity Gross Minority Interest
5,355.18
+7.19%
4,996.10
+7.85%
4,632.35
+12.96%
4,100.91
Total Capitalization
6,099.66
+6.28%
5,739.15
+24.02%
4,627.76
-4.46%
4,843.74
Invested Capital
6,099.66
+6.28%
5,739.15
+6.72%
5,377.76
+11.03%
4,843.74
Total Debt
744.48
+0.19%
743.05
-0.32%
745.42
+0.35%
742.83
Net Debt
161.99
+12.79%
143.62
+10.70%
129.73
-43.36%
229.06
Net Tangible Assets
5,355.18
+7.19%
4,996.10
+7.85%
4,632.35
+12.96%
4,100.91
Tangible Book Value
5,355.18
+7.19%
4,996.10
+7.85%
4,632.35
+12.96%
4,100.91
Current Notes Payable
0.00
-100.00%
750.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
724.52
+5.57%
686.26
+8.58%
632.04
+12.76%
560.51
Cash Flow From Continuing Operating Activities
724.52
+5.57%
686.26
+8.58%
632.04
+12.76%
560.51
Net Income From Continuing Operations
674.24
-2.01%
688.07
+3.39%
665.51
-5.49%
704.16
Other Non Cash Items
10.93
-0.02
Stock Based Compensation
19.02
+1.33%
18.77
+22.87%
15.28
+54.60%
9.88
Deferred Tax
7.77
+74.08%
4.46
+343.67%
-1.83
+20.28%
-2.30
Deferred Income Tax
7.77
+74.08%
4.46
+343.67%
-1.83
+20.28%
-2.30
Operating Gains Losses
16.28
-28.64%
22.81
+62.65%
14.02
+588.70%
2.04
Gain Loss On Investment Securities
16.28
-28.64%
22.81
+62.65%
14.02
+588.70%
2.04
Change In Working Capital
15.77
+129.74%
-53.03
+13.83%
-61.54
+61.10%
-158.22
Change In Receivables
6.90
+186.69%
-7.96
-138.93%
-3.33
-731.06%
0.53
Changes In Account Receivables
6.90
+186.69%
-7.96
-138.93%
-3.33
-731.06%
0.53
Change In Other Current Assets
-16.72
-1243.50%
1.46
+20.43%
1.21
+152.85%
-2.30
Change In Other Current Liabilities
7.36
+170.91%
-10.37
-2199.60%
0.49
-96.53%
14.25
Investing Cash Flow
-226.38
+29.37%
-320.51
-39.72%
-229.40
-4.15%
-220.25
Cash Flow From Continuing Investing Activities
-226.38
+29.37%
-320.51
-39.72%
-229.40
-4.15%
-220.25
Net Investment Purchase And Sale
-216.96
+27.54%
-299.41
-38.95%
-215.48
-0.81%
-213.74
Purchase Of Investment
-1,895.60
-18.06%
-1,605.66
-55.13%
-1,035.06
+15.11%
-1,219.31
Sale Of Investment
1,678.64
+28.51%
1,306.25
+59.38%
819.58
-18.50%
1,005.57
Net Business Purchase And Sale
-1.10
+80.04%
-5.51
0.00
+100.00%
-6.52
Purchase Of Business
-1.10
+80.04%
-5.51
0.00
+100.00%
-6.52
Net Other Investing Changes
-8.32
+46.62%
-15.59
-11.95%
-13.93
Financing Cash Flow
-515.08
-34.84%
-382.00
-27.03%
-300.73
-19.19%
-252.31
Cash Flow From Continuing Financing Activities
-515.08
-34.84%
-382.00
-27.03%
-300.73
-19.19%
-252.31
Net Issuance Payments Of Debt
0.00
+100.00%
-7.85
0.00
0.00
Issuance Of Debt
0.00
-100.00%
749.65
0.00
0.00
Repayment Of Debt
0.00
+100.00%
-757.50
0.00
0.00
Long Term Debt Issuance
0.00
-100.00%
749.65
0.00
0.00
Long Term Debt Payments
0.00
+100.00%
-757.50
0.00
0.00
Net Long Term Debt Issuance
-7.85
Net Common Stock Issuance
-382.40
-56.74%
-243.97
-177.99%
-87.76
-5628.59%
-1.53
Common Stock Payments
-382.40
-56.74%
-243.97
-177.99%
-87.76
-5628.59%
-1.53
Common Stock Dividend Paid
-120.83
-8.16%
-111.72
+47.54%
-212.96
+15.08%
-250.78
Cash Dividends Paid
-120.83
-8.16%
-111.72
+47.54%
-212.96
+15.08%
-250.78
Repurchase Of Capital Stock
-382.40
-56.74%
-243.97
-177.99%
-87.76
-5628.59%
-1.53
Net Other Financing Charges
-11.85
+35.83%
-18.46
Changes In Cash
-16.94
-4.23%
-16.25
-115.95%
101.91
+15.87%
87.95
Effect Of Exchange Rate Changes
Beginning Cash Position
599.43
-2.64%
615.68
+19.84%
513.77
+20.65%
425.83
End Cash Position
582.49
-2.83%
599.43
-2.64%
615.68
+19.84%
513.77
Free Cash Flow
724.52
+5.57%
686.26
+8.58%
632.04
+12.76%
560.51
Interest Paid Supplemental Data
47.38
-24.72%
62.95
+28.00%
49.18
+0.18%
49.09
Income Tax Paid Supplemental Data
190.91
+1.26%
188.54
+3.61%
181.97
-2.25%
186.15
Amortization Of Securities
-10.00
-29.85%
-7.70
-288.01%
-1.99
-177.42%
2.56
Earnings Losses From Equity Investments
Sale Of Business
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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