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Enact Holdings Inc. logo

Enact Holdings Inc.

ACT

NASDAQFinancial ServicesInsurance - Specialty

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Previous close

$49.19

+$0.07 · +0.14%

Aug 21, 4:00 PM ET

ACT company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

83

Deep Value

Momentum

53

Neutral

Sentiment

50

Mixed

Risk resilience

85

Low Risk

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Company profile

Company website

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.

Industry
Insurance - Specialty
Sector
Financial Services
Headquarters
US
CEO
Rohit Gupta
Listed since
Sep 16, 2021
Employees
419

Market position

Day range

Current $49.19

52-week range

Current $49.19

Open
$49.31
Previous close
$49.12
Volume
235.25K
0.72× average
Average volume
325.33K
Average daily volume
Market cap
6.87B USD
Beta
0.46
Market reference 1
50-day average
$46.326
+6.18% above average
200-day average
$42.2059
+16.55% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
6.04B USD
P/E (TTM)
10.31×
P/B (TTM)
1.27×
P/S (TTM)
5.48×
EV / EBITDA
6.65×
Earnings yield
11.46%
Free cash flow yield
12.32%
Dividend yield
1.83%

Profitability & efficiency

Gross margin
85.87%
Operating margin
69.17%
Net margin
54.56%
Return on equity
12.59%
Return on assets
9.78%
Return on invested capital
9.91%

Financial health

Debt / equity
0.14×
Current ratio
6.86×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends95%78%61%45%Gross margin, FY2021: 66.82%Gross margin, FY2022: 86.75%Gross margin, FY2023: 78.30%Gross margin, FY2024: 78.23%Gross margin, FY2025: 91.10%Operating margin, FY2021: 62.06%Operating margin, FY2022: 82.04%Operating margin, FY2023: 73.81%Operating margin, FY2024: 73.05%Operating margin, FY2025: 69.80%Net margin, FY2021: 48.80%Net margin, FY2022: 64.31%Net margin, FY2023: 57.69%Net margin, FY2024: 57.25%Net margin, FY2025: 54.80%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 66.82%. Gross margin FY2022 86.75%. Gross margin FY2023 78.30%. Gross margin FY2024 78.23%. Gross margin FY2025 91.10%. Operating margin FY2021 62.06%. Operating margin FY2022 82.04%. Operating margin FY2023 73.81%. Operating margin FY2024 73.05%. Operating margin FY2025 69.80%. Net margin FY2021 48.80%. Net margin FY2022 64.31%. Net margin FY2023 57.69%. Net margin FY2024 57.25%. Net margin FY2025 54.80%.

Income trends

Revenue

1.23B USD+2.37%

Operating income

858.84M USD-2.19%

Net income

674.24M USD-2.01%
Income trends across reported periods1.3B USD1.03B USD751.79M USD478.32M USDRevenue, FY2021: 1.12B USDRevenue, FY2022: 1.09B USDRevenue, FY2023: 1.15B USDRevenue, FY2024: 1.2B USDRevenue, FY2025: 1.23B USDOperating income, FY2021: 695.22M USDOperating income, FY2022: 898.22M USDOperating income, FY2023: 851.51M USDOperating income, FY2024: 878.06M USDOperating income, FY2025: 858.84M USDNet income, FY2021: 546.69M USDNet income, FY2022: 704.16M USDNet income, FY2023: 665.51M USDNet income, FY2024: 688.07M USDNet income, FY2025: 674.24M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.12B USD. Revenue FY2022 1.09B USD. Revenue FY2023 1.15B USD. Revenue FY2024 1.2B USD. Revenue FY2025 1.23B USD. Operating income FY2021 695.22M USD. Operating income FY2022 898.22M USD. Operating income FY2023 851.51M USD. Operating income FY2024 878.06M USD. Operating income FY2025 858.84M USD. Net income FY2021 546.69M USD. Net income FY2022 704.16M USD. Net income FY2023 665.51M USD. Net income FY2024 688.07M USD. Net income FY2025 674.24M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.23B USD1.2B USD1.15B USD1.09B USD1.12B USD
Cost of goods sold109.53M USD261.63M USD250.31M USD145.13M USD371.63M USD
Gross profit1.12B USD940.31M USD903.38M USD949.75M USD748.56M USD
Operating expenses262.02M USD62.25M USD51.87M USD51.53M USD53.34M USD
Interest expense49.95M USD51.16M USD51.87M USD51.7M USD51.01M USD
Depreciation and amortization————3.33M USD
Operating income858.84M USD878.06M USD851.51M USD898.22M USD695.22M USD
Net income674.24M USD688.07M USD665.51M USD704.16M USD546.69M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 1 miss, 2 met estimates
Average EPS surprise
+7.78%
11 comparable reports
Latest EPS result
1.26
Estimate 1.19 · Beat by 5.88%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.311.21.080.97Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MetQ1 '26BeatQ2 '26MetQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 1.09, estimate 1.02, surprise +6.86%, Beat. Q2 2025, reported Apr 30, 2025: actual 1.1, estimate 1.12, surprise -1.79%, Miss. Q3 2025, reported Jul 30, 2025: actual 1.15, estimate 1.11, surprise +3.60%, Beat. Q4 2025, reported Nov 5, 2025: actual 1.12, estimate 1.12, surprise 0.00%, Met estimate. Q1 2026, reported Feb 3, 2026: actual 1.23, estimate 1.09, surprise +12.84%, Beat. Q2 2026, reported May 5, 2026: actual 1.21, estimate 1.21, surprise 0.00%, Met estimate. Q3 2026, reported Aug 5, 2026: actual 1.26, estimate 1.19, surprise +5.88%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 1.21, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates330M316.36M302.72M289.08MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 301.78M USD, estimate 309.3M USD, surprise -2.43%, Miss. Q2 2025, reported Apr 30, 2025: actual 306.89M USD, estimate 302.24M USD, surprise +1.54%, Beat. Q3 2025, reported Jul 30, 2025: actual 304.62M USD, estimate 310.26M USD, surprise -1.82%, Miss. Q4 2025, reported Nov 5, 2025: actual 311.46M USD, estimate 315.62M USD, surprise -1.32%, Miss. Q1 2026, reported Feb 3, 2026: actual 312.71M USD, estimate 317.02M USD, surprise -1.36%, Miss. Q2 2026, reported May 5, 2026: actual 312.07M USD, estimate 314.91M USD, surprise -0.90%, Miss. Q3 2026, reported Aug 5, 2026: actual 317.31M USD, estimate 315.81M USD, surprise +0.47%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 316.63M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$46.00

6.49% downside
Past 12 months12-month forecastHigh $46.00Average $46.00Low $46.00

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ETFs holding ACT

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
84.6M
Weight
0.07%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
First Trust SMID Cap Rising Dividend Achievers ETF logoFirst Trust SMID Cap Rising Dividend Achievers ETFSDVY
Market value
57.58M
Weight
0.50%
AUM
11.64B USD
Expense ratio
0.58%
Price / 1D
$43.87+0.46%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
42.41M
Weight
0.14%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
41.58M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
38.53M
Weight
0.05%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
30.45M
Weight
0.02%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
21.88M
Weight
0.26%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.29+0.72%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
19.29M
Weight
0.03%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%

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