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Enact Holdings, Inc.

ACT

$47.78 ▼ -0.47 (-0.97%) at close

8 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Enact Holdings, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $7.1B

Dividend Yield 1.71%

Revenue Growth 2.8% ↘

Op. Margin 69.5% ↘

ROIC None

FCF / Share None

Trailing P/E 10.5x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.14

info Valuation on last close. End-of-day price, Nov 5, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.24B

↑ +2.8% —

Net Income Profit after all expenses

$674.24M

↓ -2.0% —

Operating Margin Operating profit as % of sales

69.5%

↓ -4.9% 99th

Long-Term Debt Long-term obligations

$744.48M

— +0.2% —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.81 Latest / share

+14.0% YoY

-10.1% 4-yr CAGR

FY 2018

FY 2019

FY 2020

FY 2021

$1.12

FY 2022

$1.33

FY 2023

$0.71

FY 2024

$0.81

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	4.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	5.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-11%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-134%)	1.0% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	13.0% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+117%)	—	—
EPS Growth YoY (%)	3.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-4.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	28.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	48.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-45.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-2.0% Weak ↓ Weak Declining Year-over-year change in net income	3.4% Caution ↓ Caution Declining Year-over-year change in net income	-5.5% Weak ↓ Weak Declining Year-over-year change in net income	28.8% Excellent ↑ Excellent Improving Year-over-year change in net income	47.6% Excellent Excellent Year-over-year change in net income	-45.3% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.4% Weak Weak Compound annual revenue growth over 3 years	3.8% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.2% Caution Caution Compound annual revenue growth over 5 years	4.2% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	1.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	9.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	22.2% Excellent Excellent Compound annual EPS growth over 3 years	1.3% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	69.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+178%)	73.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+192%)	73.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+195%)	82.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+228%)	62.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+149%)	—	—	—
Effective Tax Rate (%) (%)	21.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	54.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+148%)	57.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+160%)	57.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+162%)	64.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+192%)	48.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+122%)	33.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	69.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+215%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	9.8% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.6% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	10.8% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	12.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.3% Fair Fair Operating profit relative to total assets Optimal: > 10%	6.6% Caution Caution Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	14.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+20%)	17.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+43%)	13.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	9.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	17.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+48%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.15x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.18x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.19x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$8.33	$7.69	$7.17	$6.72	$6.86	$6.79	$6.01	—
Basic EPS, GAAP (USD)	$4.54	$4.40	$4.14	$4.32	$3.36	$2.27	$4.16	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.81	$0.71	$1.33	$1.12	—	—	—	—
Book Value per Share (USD)	$37.66	$32.80	$29.07	$25.19	$25.21	$23.84	$23.50	—
Tangible Book Value per Share (USD)	$37.66	$32.80	$29.07	$25.19	$25.21	$23.84	$23.50	—
Basic Weighted Avg Shares (shares)	148.37M	156.28M	160.87M	162.84M	162.84M	162.84M	162.84M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$744.48M	$743.05M	$745.42M	$742.83M	$740.42M	$738.16M	—	—
Total Equity (USD)	$5.36B	$5.00B	$4.63B	$4.10B	$4.11B	$3.88B	$3.83B	$3.27B

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$1.24B	$1.20B	$1.15B	$1.10B	$1.12B	$1.11B	$978.85M	—
Net Income, GAAP (USD)	$674.24M	$688.07M	$665.51M	$704.16M	$546.68M	$370.42M	$677.63M	—
Operating Cash Flow (USD)	$724.52M	$686.26M	$632.04M	$560.51M	$572.11M	$704.35M	$500.02M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Premiums Earned (USD)	$980.50M	$980.10M	$957.08M	$939.46M	$974.95M	$971.37M	$856.98M	—
Loss Ratio (%) (%)	11.2%	3.9%	2.8%	-10.0%	12.9%	39.1%	5.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 8 years · 27 quarters

Enact Holdings, Inc.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

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Signals

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