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ENACT HOLDINGS INC (ACT) Stock Fundamental Analysis

NASDAQ:ACT - Nasdaq - US29249E1091 - Common Stock

32.97  -0.07 (-0.21%)

Fundamental Rating

5

Taking everything into account, ACT scores 5 out of 10 in our fundamental rating. ACT was compared to 101 industry peers in the Financial Services industry. ACT has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on ACT.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year ACT was profitable.
In the past year ACT had a positive cash flow from operations.
In the past 5 years ACT has always been profitable.
ACT had a positive operating cash flow in each of the past 5 years.
ACT Yearly Net Income VS EBIT VS OCF VS FCFACT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

1.2 Ratios

With an excellent Return On Assets value of 10.35%, ACT belongs to the best of the industry, outperforming 91.09% of the companies in the same industry.
With a decent Return On Equity value of 13.55%, ACT is doing good in the industry, outperforming 60.40% of the companies in the same industry.
Industry RankSector Rank
ROA 10.35%
ROE 13.55%
ROIC N/A
ROA(3y)10.8%
ROA(5y)10.8%
ROE(3y)14.95%
ROE(5y)14.42%
ROIC(3y)N/A
ROIC(5y)N/A
ACT Yearly ROA, ROE, ROICACT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 57.07%, ACT belongs to the top of the industry, outperforming 95.05% of the companies in the same industry.
In the last couple of years the Profit Margin of ACT has remained more or less at the same level.
Looking at the Operating Margin, with a value of 77.97%, ACT belongs to the top of the industry, outperforming 96.04% of the companies in the same industry.
In the last couple of years the Operating Margin of ACT has remained more or less at the same level.
Industry RankSector Rank
OM 77.97%
PM (TTM) 57.07%
GM N/A
OM growth 3Y20.79%
OM growth 5Y1.42%
PM growth 3Y19.95%
PM growth 5Y1.36%
GM growth 3YN/A
GM growth 5YN/A
ACT Yearly Profit, Operating, Gross MarginsACT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 20 40 60 80

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4

2. Health

2.1 Basic Checks

ACT has less shares outstanding than it did 1 year ago.
ACT has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ACT has an improved debt to assets ratio.
ACT Yearly Shares OutstandingACT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 50M 100M 150M
ACT Yearly Total Debt VS Total AssetsACT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2B 4B 6B

2.2 Solvency

ACT has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.
ACT's Debt to FCF ratio of 1.05 is amongst the best of the industry. ACT outperforms 82.18% of its industry peers.
ACT has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.15, ACT is in the better half of the industry, outperforming 72.28% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ACT Yearly LT Debt VS Equity VS FCFACT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ACT Yearly Current Assets VS Current LiabilitesACT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2021 2022 2023 5M 10M 15M 20M

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4

3. Growth

3.1 Past

ACT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.70%, which is quite good.
ACT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.07% yearly.
ACT shows a small growth in Revenue. In the last year, the Revenue has grown by 5.47%.
The Revenue has been growing slightly by 6.52% on average over the past years.
EPS 1Y (TTM)10.7%
EPS 3Y21.9%
EPS 5Y8.07%
EPS Q2Q%13.73%
Revenue 1Y (TTM)5.47%
Revenue growth 3Y1.35%
Revenue growth 5Y6.52%
Sales Q2Q%3.53%

3.2 Future

ACT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.16% yearly.
ACT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.90% yearly.
EPS Next Y10.25%
EPS Next 2Y2.29%
EPS Next 3Y2.28%
EPS Next 5Y3.16%
Revenue Next Year5.6%
Revenue Next 2Y5.2%
Revenue Next 3Y5.21%
Revenue Next 5Y4.9%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ACT Yearly Revenue VS EstimatesACT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B
ACT Yearly EPS VS EstimatesACT Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.41, the valuation of ACT can be described as very cheap.
Based on the Price/Earnings ratio, ACT is valued cheaper than 84.16% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.29, ACT is valued rather cheaply.
The Price/Forward Earnings ratio is 7.65, which indicates a rather cheap valuation of ACT.
ACT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACT is cheaper than 78.22% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ACT to the average of the S&P500 Index (24.44), we can say ACT is valued rather cheaply.
Industry RankSector Rank
PE 7.41
Fwd PE 7.65
ACT Price Earnings VS Forward Price EarningsACT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ACT is valued cheaply inside the industry as 90.10% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.13
EV/EBITDA N/A
ACT Per share dataACT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

ACT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of ACT may justify a higher PE ratio.
PEG (NY)0.72
PEG (5Y)0.92
EPS Next 2Y2.29%
EPS Next 3Y2.28%

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4

5. Dividend

5.1 Amount

ACT has a Yearly Dividend Yield of 2.28%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.66, ACT pays a bit more dividend than its industry peers.
ACT's Dividend Yield is comparable with the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 2.28%

5.2 History

ACT has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
ACT Yearly Dividends per shareACT Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5

5.3 Sustainability

ACT pays out 32.55% of its income as dividend. This is a sustainable payout ratio.
DP32.55%
EPS Next 2Y2.29%
EPS Next 3Y2.28%
ACT Yearly Income VS Free CF VS DividendACT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 200M 400M 600M
ACT Dividend Payout.ACT Dividend Payout, showing the Payout Ratio.ACT Dividend Payout.PayoutRetained Earnings

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ENACT HOLDINGS INC

NASDAQ:ACT (1/22/2025, 9:41:11 AM)

32.97

-0.07 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)02-04 2025-02-04/amc
Inst Owners18.87%
Inst Owner Change0.95%
Ins Owners0.29%
Ins Owner Change-2.61%
Market Cap5.06B
Analysts78
Price Target39.27 (19.11%)
Short Float %5.76%
Short Ratio5.35
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly Dividend1.32
Dividend Growth(5Y)N/A
DP32.55%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.03%
Min EPS beat(2)15.04%
Max EPS beat(2)27.01%
EPS beat(4)4
Avg EPS beat(4)13.83%
Min EPS beat(4)5.7%
Max EPS beat(4)27.01%
EPS beat(8)8
Avg EPS beat(8)16.14%
EPS beat(12)12
Avg EPS beat(12)19.88%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.38%
Min Revenue beat(2)-0.96%
Max Revenue beat(2)0.19%
Revenue beat(4)1
Avg Revenue beat(4)-1%
Min Revenue beat(4)-1.85%
Max Revenue beat(4)0.19%
Revenue beat(8)3
Avg Revenue beat(8)-0.57%
Revenue beat(12)4
Avg Revenue beat(12)-0.87%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-0.52%
PT rev (3m)0.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.48%
EPS NY rev (1m)0%
EPS NY rev (3m)3.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.49%
Valuation
Industry RankSector Rank
PE 7.41
Fwd PE 7.65
P/S 4.23
P/FCF 7.13
P/OCF 7.13
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)4.45
EY13.5%
EPS(NY)4.31
Fwd EY13.08%
FCF(TTM)4.62
FCFY14.02%
OCF(TTM)4.62
OCFY14.02%
SpS7.79
BVpS32.79
TBVpS32.79
PEG (NY)0.72
PEG (5Y)0.92
Profitability
Industry RankSector Rank
ROA 10.35%
ROE 13.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 77.97%
PM (TTM) 57.07%
GM N/A
FCFM 59.37%
ROA(3y)10.8%
ROA(5y)10.8%
ROE(3y)14.95%
ROE(5y)14.42%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)14.69%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y20.79%
OM growth 5Y1.42%
PM growth 3Y19.95%
PM growth 5Y1.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.05
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 104.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)93.07%
Profit Quality(5y)108.64%
High Growth Momentum
Growth
EPS 1Y (TTM)10.7%
EPS 3Y21.9%
EPS 5Y8.07%
EPS Q2Q%13.73%
EPS Next Y10.25%
EPS Next 2Y2.29%
EPS Next 3Y2.28%
EPS Next 5Y3.16%
Revenue 1Y (TTM)5.47%
Revenue growth 3Y1.35%
Revenue growth 5Y6.52%
Sales Q2Q%3.53%
Revenue Next Year5.6%
Revenue Next 2Y5.2%
Revenue Next 3Y5.21%
Revenue Next 5Y4.9%
EBIT growth 1Y5.19%
EBIT growth 3Y22.42%
EBIT growth 5Y8.04%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y26.12%
FCF growth 3Y-3.55%
FCF growth 5Y4.34%
OCF growth 1Y26.12%
OCF growth 3Y-3.55%
OCF growth 5Y4.34%