ENACT HOLDINGS INC (ACT) Stock Fundamental Analysis
NASDAQ:ACT - Nasdaq - US29249E1091 - Common Stock - Currency: USD
ACT gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. ACT has an average financial health and profitability rating. ACT has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years ACT has been profitable.
ACT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 10.55%, ACT belongs to the best of the industry, outperforming 91.09% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.77%, ACT is in the better half of the industry, outperforming 67.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.55% | ||
| ROE | 13.77% | ||
| ROIC | N/A |
ROA(3y)11.21%
ROA(5y)9.9%
ROE(3y)15.1%
ROE(5y)13.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ACT has a Profit Margin of 57.25%. This is amongst the best in the industry. ACT outperforms 95.05% of its industry peers.
In the last couple of years the Profit Margin of ACT has declined.
ACT has a better Operating Margin (78.23%) than 96.04% of its industry peers.
ACT's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 78.23% | ||
| PM (TTM) | 57.25% | ||
| GM | N/A |
OM growth 3Y5.43%
OM growth 5Y1.29%
PM growth 3Y5.4%
PM growth 5Y-3.72%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ACT has less shares outstanding than it did 1 year ago.
The number of shares outstanding for ACT has been reduced compared to 5 years ago.
Compared to 1 year ago, ACT has an improved debt to assets ratio.
2.2 Solvency
ACT has a debt to FCF ratio of 1.08. This is a very positive value and a sign of high solvency as it would only need 1.08 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.08, ACT belongs to the top of the industry, outperforming 81.19% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that ACT is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.15, ACT is doing good in the industry, outperforming 73.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.08 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ACT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.68%, which is quite good.
ACT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.98% yearly.
The Revenue has been growing slightly by 4.18% in the past year.
ACT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.19% yearly.
EPS 1Y (TTM)10.68%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%11.22%
Revenue 1Y (TTM)4.18%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%1.89%
3.2 Future
ACT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.56% yearly.
ACT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.21% yearly.
EPS Next Y-4.43%
EPS Next 2Y-0.8%
EPS Next 3Y2.56%
EPS Next 5YN/A
Revenue Next Year1.31%
Revenue Next 2Y2.54%
Revenue Next 3Y3.21%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
ACT is valuated cheaply with a Price/Earnings ratio of 7.64.
Based on the Price/Earnings ratio, ACT is valued a bit cheaper than the industry average as 79.21% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.79. ACT is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.00, the valuation of ACT can be described as very cheap.
67.33% of the companies in the same industry are more expensive than ACT, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.38. ACT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.64 | ||
| Fwd PE | 8 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACT indicates a rather cheap valuation: ACT is cheaper than 82.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)7.83
EPS Next 2Y-0.8%
EPS Next 3Y2.56%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.09%, ACT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.93, ACT pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.51, ACT has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.09% |
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
5.3 Sustainability
ACT pays out 16.24% of its income as dividend. This is a sustainable payout ratio.
DP16.24%
EPS Next 2Y-0.8%
EPS Next 3Y2.56%
34.86
-0.63 (-1.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners19.13%
Inst Owner Change0.02%
Ins Owners0.33%
Ins Owner Change-2.5%
Market Cap5.28B
Analysts78
Price Target39.53 (13.4%)
Short Float %5.9%
Short Ratio3.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.09% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP16.24%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.66%
Min EPS beat(2)4.27%
Max EPS beat(2)15.04%
EPS beat(4)4
Avg EPS beat(4)13.48%
Min EPS beat(4)4.27%
Max EPS beat(4)27.01%
EPS beat(8)8
Avg EPS beat(8)16.23%
EPS beat(12)12
Avg EPS beat(12)19.2%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.6%
Min Revenue beat(2)-3.4%
Max Revenue beat(2)0.19%
Revenue beat(4)1
Avg Revenue beat(4)-1.5%
Min Revenue beat(4)-3.4%
Max Revenue beat(4)0.19%
Revenue beat(8)3
Avg Revenue beat(8)-0.85%
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%
PT rev (3m)1.95%
EPS NQ rev (1m)-0.46%
EPS NQ rev (3m)0.06%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)1.09%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)-2.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.64 | ||
| Fwd PE | 8 | ||
| P/S | 4.39 | ||
| P/FCF | 7.69 | ||
| P/OCF | 7.69 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.56
EY13.08%
EPS(NY)4.36
Fwd EY12.5%
FCF(TTM)4.53
FCFY13%
OCF(TTM)4.53
OCFY13%
SpS7.94
BVpS33
TBVpS33
PEG (NY)N/A
PEG (5Y)7.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.55% | ||
| ROE | 13.77% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 78.23% | ||
| PM (TTM) | 57.25% | ||
| GM | N/A | ||
| FCFM | 57.1% |
ROA(3y)11.21%
ROA(5y)9.9%
ROE(3y)15.1%
ROE(5y)13.63%
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)15.25%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y5.43%
OM growth 5Y1.29%
PM growth 3Y5.4%
PM growth 5Y-3.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.08 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 14.94 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 99.74% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
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)91.43%
Profit Quality(5y)113.82%
High Growth Momentum
Growth
EPS 1Y (TTM)10.68%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%11.22%
EPS Next Y-4.43%
EPS Next 2Y-0.8%
EPS Next 3Y2.56%
EPS Next 5YN/A
Revenue 1Y (TTM)4.18%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%1.89%
Revenue Next Year1.31%
Revenue Next 2Y2.54%
Revenue Next 3Y3.21%
Revenue Next 5YN/A
EBIT growth 1Y4.07%
EBIT growth 3Y8.01%
EBIT growth 5Y5.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y8.58%
FCF growth 3Y6.25%
FCF growth 5Y6.54%
OCF growth 1Y8.58%
OCF growth 3Y6.25%
OCF growth 5Y6.54%