ENACT HOLDINGS INC (ACT) Stock Fundamental Analysis
NASDAQ:ACT - Nasdaq - US29249E1091 - Common Stock - Currency: USD
Overall ACT gets a fundamental rating of 5 out of 10. We evaluated ACT against 101 industry peers in the Financial Services industry. ACT has only an average score on both its financial health and profitability. ACT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year ACT was profitable.
ACT had a positive operating cash flow in the past year.
In the past 5 years ACT has always been profitable.
ACT had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of ACT (10.35%) is better than 90.10% of its industry peers.
ACT's Return On Equity of 13.55% is in line compared to the rest of the industry. ACT outperforms 59.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.35% | ||
| ROE | 13.55% | ||
| 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's Profit Margin of 57.07% is amongst the best of the industry. ACT outperforms 95.05% of its industry peers.
In the last couple of years the Profit Margin of ACT has declined.
With an excellent Operating Margin value of 77.97%, ACT belongs to the best 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 77.97% | ||
| PM (TTM) | 57.07% | ||
| 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.
ACT has less shares outstanding than it did 5 years ago.
ACT has a better debt/assets ratio than last year.
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 has a Debt to FCF ratio of 1.05. This is amongst the best in 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.
ACT has a Debt to Equity ratio of 0.15. This is in the better half of the industry: ACT outperforms 73.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.05 | ||
| 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
The Earnings Per Share has grown by an nice 10.68% over the past year.
Measured over the past 5 years, ACT shows a small growth in Earnings Per Share. The EPS has been growing by 0.98% on average per year.
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 2.45% yearly.
ACT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.67% yearly.
EPS Next Y-4.09%
EPS Next 2Y-0.76%
EPS Next 3Y2.45%
EPS Next 5YN/A
Revenue Next Year2.85%
Revenue Next 2Y4.78%
Revenue Next 3Y4.67%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.22, the valuation of ACT can be described as very cheap.
ACT's Price/Earnings ratio is rather cheap when compared to the industry. ACT is cheaper than 84.16% of the companies in the same industry.
When comparing the Price/Earnings ratio of ACT to the average of the S&P500 Index (29.63), we can say ACT is valued rather cheaply.
The Price/Forward Earnings ratio is 7.53, which indicates a rather cheap valuation of ACT.
Based on the Price/Forward 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/Forward Earnings ratio is at 22.68. ACT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 7.53 |
4.2 Price Multiples
ACT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACT is cheaper than 88.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)7.39
EPS Next 2Y-0.76%
EPS Next 3Y2.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.23%, ACT has a reasonable but not impressive dividend return.
ACT's Dividend Yield is a higher than the industry average which is at 3.84.
ACT's Dividend Yield is comparable with the S&P500 average which is at 2.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
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 32.55% of its income as dividend. This is a sustainable payout ratio.
DP32.55%
EPS Next 2Y-0.76%
EPS Next 3Y2.45%
32.92
-0.26 (-0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners19.13%
Inst Owner Change4.64%
Ins Owners0.33%
Ins Owner Change-2.68%
Market Cap5.06B
Analysts78
Price Target40.03 (21.6%)
Short Float %6.15%
Short Ratio6.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
Yearly Dividend1.32
Dividend Growth(5Y)N/A
DP32.55%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)1.95%
PT rev (3m)0.38%
EPS NQ rev (1m)-0.16%
EPS NQ rev (3m)1.8%
EPS NY rev (1m)1.44%
EPS NY rev (3m)3.18%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)-1.87%
Revenue NY rev (3m)-1.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 7.53 | ||
| P/S | 4.23 | ||
| P/FCF | 7.12 | ||
| P/OCF | 7.12 | ||
| P/B | 1 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.56
EY13.85%
EPS(NY)4.37
Fwd EY13.28%
FCF(TTM)4.62
FCFY14.05%
OCF(TTM)4.62
OCFY14.05%
SpS7.79
BVpS32.79
TBVpS32.79
PEG (NY)N/A
PEG (5Y)7.39
Profitability
| Industry Rank | Sector 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)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)N/A
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-Score6
Asset Turnover0.18
Health
| Industry Rank | Sector 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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.68%
EPS 3Y9.13%
EPS 5Y0.98%
EPS Q2Q%11.22%
EPS Next Y-4.09%
EPS Next 2Y-0.76%
EPS Next 3Y2.45%
EPS Next 5YN/A
Revenue 1Y (TTM)4.18%
Revenue growth 3Y2.44%
Revenue growth 5Y4.19%
Sales Q2Q%1.89%
Revenue Next Year2.85%
Revenue Next 2Y4.78%
Revenue Next 3Y4.67%
Revenue Next 5YN/A
EBIT growth 1Y5.19%
EBIT growth 3Y8.01%
EBIT growth 5Y5.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.28%
OCF growth 3YN/A
OCF growth 5YN/A