# Enact Holdings Inc. (ACT) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Insurance. Price $47.50, market value $6.5 billion.

## Valuation
- **P/E (trailing): 10.0×** (5-yr avg 6.5×, 3-yr avg 7.5×). Enact Holdings Inc. trades at 10.0× trailing earnings, well above its own five-year average of 6.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.75**. A PEG of 2.75 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 5.2×**. Each dollar of revenue is priced at 5.2×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 10.0%**. The inverse of the P/E: 10.0% of the price is earned each year.

## Profitability
- **Net margin: 54.6%**. 54.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.6%**. 12.6% on shareholders' equity is solid.

## Growth
- **Revenue growth (1 yr): 2.8%** (3-yr 4.1%/yr, 5-yr 2.2%/yr). Revenue grew 2.8% over the last year, against 2.2% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 3.4%** (3-yr 1.6%/yr, 5-yr 14.8%/yr). Earnings per share rose 3.4%, roughly in step with revenue.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $582 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.02%** ($0.87 per share, trailing). Enact Holdings Inc. yields 2.02%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 18%**. 18% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Shareholder yield: 8.4%**. Dividends plus net buybacks return 8.4% of the market value a year.

## Analyst view
- **Analyst consensus: hold** (5 analysts). 5 analysts cover Enact Holdings Inc.; the consensus is hold, with an average price target of $47.20 (-1% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 37.0%** (YTD 22.8%, 3-mo 0.6%). The shares are up 37.0% over twelve months including dividends.
- **From 52-week high: -6.1%** (33.8% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): -0.03** (volatility 23%). Beta of -0.03 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ACT · Page: https://foliofundamentals.com/stocks/act

Not investment advice.