Enact Holdings, Inc. (ACT) - Stock Analysis

Last updated: Sep 5, 2026

Research Idea

Research content for general circulation. Not individualized advice. Methodology & Disclosures

ACT combines two strong growth stories: Aduro Clean Technologies' $20M capital raise and pilot commercialization progress in clean recycling tech, and Enact Holdings' solid Q3 insurance growth, raised capital return guidance, and stable financials. Positive momentum over the last 21 trading days (~8.5% gain) with moderate volatility supports near-term appreciation.

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Idea window: 12/19/2025 – 12/26/2025Sector: Financial Services

AI Analyst Overview

Last Price
$49.43
Market Cap
$6.90B
1D Return
-0.14%
YTD Return
+26.61%

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Valuation Metrics

P/E
10.4
P/B
1.3
P/S
5.5
EV/EBITDA
8.3
Div Yield
1.82%

Fundamental Analysis

8.0

Key Financial Insights: • High Margins • Strong Cash Flow • Declining Liquidity ACT combines exceptional profitability, strong free-cash-flow conversion, modest leverage, and moderate valuation, but investors should monitor declining cash and negative total cash flow.

Profitability
Liquidity

Price Behavior

5.0

Key Price Behavior Insights: • Early momentum faded • Support held • Resistance unbroken Support Level: $48.20–$48.40 Resistance Level: $49.70–$49.80 ACT is neutral to mildly positive over the last month, rebounding to $49.27 but needing to break $49.70–$49.80 resistance while holding $48.20–$48.40 support.

ACT
TechnicalAnalysis

Sentiment & News

5.0

Key News Insights: • M&A advisory • Options volatility • Project development ACT headlines reflect mixed, company-specific developments—M&A advisory, Enact options volatility, and Aduro's clean-tech project progress—rather than a single issuer catalyst.

MixedSignals
CleanTech
AI

AI Summary

6.0
Neutral

ACT is best viewed as a mortgage-credit-cycle and capital-return play—not a growth story: its strong excess capital supports $550M–$600M in buybacks and dividends, but investors should own it only while delinquencies, claims, and liquidity remain stable, as a housing-credit downturn could quickly impair distributions and book-value growth.

CapitalReturns
CreditRisk
MortgageCycle
AI summary updated 6 days ago

Description

Enact Holdings, Inc. is a U.S. private mortgage insurer that writes and assumes residential mortgage guaranty policies, primarily for individually underwritten, prime-quality loans, and provides contract underwriting services to mortgage lenders. Founded in 1981 and headquartered in Raleigh, North Carolina, the company changed its name from Genworth Mortgage Holdings in May 2021 and operates as a subsidiary of Genworth Holdings, Inc.

Idea History

DateCloseTickerCompanySummaryStatusP/L
Dec 19Dec 26ACTEnact Holdings, Inc.
ACT combines two strong growth stories: Aduro Clean Technologies' $20M capital raise and pilot commercialization progress in clean recycling tech, and Enact Holdings' solid Q3 insurance growth, raised capital return guidance, and stable financials. Positive momentum over the last 21 trading days (~8.5% gain) with moderate volatility supports near-term appreciation.
Closed-0.8%
Research content for educational purposes only. Not investment advice. All decisions are your responsibility.