ACT Enact Holdings, Inc. - Common Stock

NASDAQ · Financial Services · View on SEC EDGAR ↗
$43.00
Price · May 20, 2026
Fundamentals as of May 6, 2026

ACT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$43.00
Market Cap
$5.64B
P/E (TTM)
8.8
EPS (TTM)
$4.52
Revenue (TTM)
$1.24B
Div Yield
2.1%
ROE
12.8%
Debt/Equity
52W Range
$34 – $45

ACT Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $1.24B
7-point trend, +26.3%
2019-12-31 2025-12-31
EPS $4.52
7-point trend, +8.7%
2019-12-31 2025-12-31
Free Cash Flow
Margins 54.6%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
ACT
Peer Median
P/E (TTM)
5-point trend, +42.6%
8.8
8.4
P/S (TTM)
5-point trend, +51.5%
4.6
4.2
P/B
5-point trend, +28.4%
1.1
1.3

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
ACT
Peer Median
Net Profit Margin
2-point trend, +11.6%
54.6%
31.8%
ROA
2-point trend, +5.9%
10.1%
1.9%
ROE
2-point trend, -3.1%
12.8%
12.8%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
ACT
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
ACT
Peer Median
Revenue YoY
5-point trend, +10.6%
2.8%
Revenue CAGR 3Y
5-point trend, +10.6%
4.1%
Revenue CAGR 5Y
5-point trend, +10.6%
2.2%
EPS YoY
5-point trend, +34.5%
3.4%
Net Income YoY
5-point trend, +82.0%
-2.0%

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
ACT
Peer Median
EPS (Diluted)
5-point trend, +34.5%
$4.52

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
ACT
Peer Median
Payout Ratio
2-point trend, -51.1%
17.9%

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
2.1%
Payout Ratio
17.9%
5Y Div CAGR
Ex-dateAmount
Feb. 26, 2026$0.2100
Nov. 21, 2025$0.2100
Aug. 18, 2025$0.2100
May 19, 2025$0.2100
Feb. 21, 2025$0.1850
Nov. 18, 2024$0.1850
Aug. 28, 2024$0.1850
May 29, 2024$0.1850
Feb. 27, 2024$0.1600
Nov. 15, 2023$0.8700
Aug. 30, 2023$0.1600
May 30, 2023$0.1600
Feb. 22, 2023$0.1400
Nov. 17, 2022$1.2600
Aug. 25, 2022$0.1400
May 6, 2022$0.1400
Nov. 24, 2021$1.2300

ACT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 9 analysts
  • Strong Buy 2 22.2%
  • Buy 2 22.2%
  • Hold 5 55.6%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

4 analysts · 2026-05-15
Median target $45.50 +5.8%
Mean target $45.75 +6.4%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.04%
Period EPS Actual EPS Est Surprise
March 31, 2026 $1.21 $1.18 0.03%
Dec. 31, 2025 $1.23 $1.10 0.13%
Sept. 30, 2025 $1.12 $1.10 0.02%
June 30, 2025 $1.15 $1.11 0.04%
March 31, 2025 $1.10 $1.09 0.01%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
ACT $5.64B 8.8 2.8% 54.6% 12.8%
RKT -387.2 27.6% -54.4% -0.45%
MTG $6.41B 9.3 0.49% 60.8% 14.3%
RDN $4.88B 8.7 -0.76% 48.7% 12.4%
UWMC 36.5 18.2% 0.87% 1.6%
PFSI $6.86B 14.2 -25.2% 2491.9% 12.0%
NMIH $3.11B 8.3 8.5% 55.0% 15.5%
MBIN
AGM 10.6 8.9% 50.8% 12.7%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 10
Annual Income Statement data for ACT
Metric Trend 202520242023202220212020
Revenue 6-point trend, +11.7% $1.24B $1.20B $1.15B $1.10B $1.12B $1.11B
SG&A Expense 6-point trend, -3.1% $208M $213M $212M $227M $231M $215M
Interest Expense 6-point trend, +173.8% $50M $51M $52M $52M $51M $18M
Pretax Income 6-point trend, +81.8% $859M $878M $852M $898M $695M $472M
Income Tax 6-point trend, +81.0% $185M $190M $186M $194M $149M $102M
Net Income 5-point trend, +82.0% $674M $688M $666M · $547M $370M
EPS (Basic) 6-point trend, +100.0% $4.54 $4.40 $4.14 $4.32 $3.36 $2.27
EPS (Diluted) 6-point trend, +99.1% $4.52 $4.37 $4.11 $4.31 $3.36 $2.27
Shares (Basic) 6-point trend, -8.9% 148,373,000 156,277,000 160,870,000 162,838,000 162,840,000 162,840,000
Shares (Diluted) 6-point trend, -8.3% 149,318,000 157,554,000 161,847,000 163,294,000 162,879,000 162,840,000
Balance Sheet 13
Annual Balance Sheet data for ACT
Metric Trend 202520242023202220212020
Cash & Equivalents 6-point trend, +28.6% $582M $599M $616M $514M $426M $453M
Short-term Investments 6-point trend, +0.00 $0 $3M $20M $3M $0 $0
Total Assets 6-point trend, +21.9% $6.89B $6.52B $6.19B $5.71B $5.87B $5.65B
Deferred Tax 3-point trend, -100.0% · · · $0 $2M $37M
Total Liabilities 6-point trend, -13.1% $1.54B $1.53B $1.56B $1.61B $1.76B $1.77B
Long-term Debt 6-point trend, +0.9% $744M $743M $745M $743M $740M $738M
Common Stock 6-point trend, -12.7% $1M $2M $2M $2M $2M $2M
Paid-in Capital 6-point trend, -28.0% $1.71B $2.08B $2.31B $2.38B $2.37B $2.37B
Retained Earnings 6-point trend, +182.2% $3.68B $3.13B $2.55B $2.10B $1.65B $1.30B
AOCI 6-point trend, -114.5% $-30M $-207M $-230M $-383M $84M $208M
Stockholders' Equity 6-point trend, +38.0% $5.36B $5.00B $4.63B $4.10B $4.11B $3.88B
Liabilities + Equity 6-point trend, +21.9% $6.89B $6.52B $6.19B $5.71B $5.87B $5.65B
Shares Outstanding 6-point trend, -12.7% 142,209,000 152,318,000 159,344,000 162,779,000 162,840,000 162,840,000
Cash Flow 12
Annual Cash Flow data for ACT
Metric Trend 202520242023202220212020
Stock-based Comp 6-point trend, +19024000.00 $19M $19M $15M $10M $1M $0
Deferred Tax 6-point trend, -30.2% $8M $4M $-2M $-2M $-1M $11M
Operating Cash Flow 6-point trend, +2.9% $725M $686M $632M $561M $572M $704M
Investing Cash Flow 6-point trend, +80.1% $-226M $-321M $-229M $-220M $-399M $-1.14B
Debt Issued 6-point trend, -100.0% $0 $750M $0 $0 $0 $738M
Net Debt Issued 4-point trend, +0.00 $0 $750M · $0 $0 ·
Stock Repurchased 6-point trend, +382399000.00 $382M $244M $88M $2M $0 $0
Net Stock Activity 4-point trend, -24860.8% $-382M $-244M $-88M $-2M · ·
Dividends Paid 6-point trend, -72.4% $121M $112M $213M $251M $200M $437M
Financing Cash Flow 6-point trend, -271.5% $-515M $-382M $-301M $-252M $-200M $300M
Net Change in Cash 6-point trend, +87.2% $-17M $-16M $102M $88M $-27M $-132M
Taxes Paid 3-point trend, +4.9% $191M $189M $182M · · ·
Profitability 4
Annual Profitability data for ACT
Metric Trend 202520242023202220212020
Net Margin 2-point trend, +11.6% 54.6% · · · 48.9% ·
Pretax Margin 5-point trend, +11.7% 69.5% 73.1% 73.8% 82.0% 62.2% ·
ROA 2-point trend, +5.9% 10.1% · · · 9.5% ·
ROE 2-point trend, -3.1% 12.8% · · · 13.2% ·
Efficiency 1
Annual Efficiency data for ACT
Metric Trend 202520242023202220212020
Asset Turnover 5-point trend, -5.1% 0.2 0.2 0.2 0.2 0.2 ·
Per Share 6
Annual Per Share data for ACT
Metric Trend 202520242023202220212020
Book Value / Share 5-point trend, +49.4% $37.66 $32.80 $29.07 $25.19 $25.21 ·
Revenue / Share 5-point trend, +20.6% $8.28 $7.63 $7.13 $6.71 $6.86 ·
Cash Flow / Share 5-point trend, +38.1% $4.85 $4.36 $3.91 $3.43 $3.51 ·
Cash / Share 5-point trend, +56.6% $4.10 $3.94 $3.86 $3.16 $2.62 ·
Dividend Paid / Share 4-point trend, -47.1% $1 $1 $1 $2 · ·
EPS (TTM) 5-point trend, +34.5% $4.52 $4.37 $4.11 $4.31 $3.36 ·
Growth Rates 10
Annual Growth Rates data for ACT
Metric Trend 202520242023202220212020
Revenue YoY 5-point trend, +174.8% 2.8% 4.2% 5.4% -2.0% 1.0% ·
Revenue CAGR 3Y 3-point trend, +193.6% 4.1% 2.4% 1.4% · · ·
Revenue CAGR 5Y 2.2% · · · · ·
EPS YoY 5-point trend, -92.9% 3.4% 6.3% -4.6% 28.3% 48.0% ·
EPS CAGR 3Y 3-point trend, -92.7% 1.6% 9.2% 21.9% · · ·
EPS CAGR 5Y 14.8% · · · · ·
Net Income YoY 3-point trend, -104.2% -2.0% 3.4% · · 47.6% ·
Net Income CAGR 3Y 2-point trend, -63.1% · 8.0% 21.6% · · ·
Net Income CAGR 5Y 12.7% · · · · ·
Dividend CAGR 5Y -22.7% · · · · ·
Valuation (TTM) 12
Annual Valuation (TTM) data for ACT
Metric Trend 202520242023202220212020
Revenue TTM 5-point trend, +10.6% $1.24B $1.20B $1.15B $1.10B $1.12B ·
Net Income TTM 5-point trend, +23.3% $674M $688M $666M $637M $547M ·
Market Cap 5-point trend, +67.5% $5.64B $4.93B $4.60B $3.93B $3.37B ·
P/E 5-point trend, +42.6% 8.8 7.4 7.0 5.6 6.2 ·
P/S 5-point trend, +51.5% 4.6 4.1 4.0 3.6 3.0 ·
P/B 5-point trend, +28.4% 1.1 1.0 1.0 1.0 0.8 ·
P / Tangible Book 5-point trend, +28.4% 1.1 1.0 1.0 1.0 0.8 ·
P / Cash Flow 5-point trend, +32.3% 7.8 7.2 7.3 7.0 5.9 ·
Dividend Yield 5-point trend, -64.0% 2.1% 2.3% 4.6% 6.4% 5.9% ·
Earnings Yield 5-point trend, -29.9% 11.4% 13.5% 14.2% 17.9% 16.3% ·
Payout Ratio 2-point trend, -51.1% 17.9% · · · 36.6% ·
Annual Payout 5-point trend, -39.7% $121M $112M $213M $251M $200M ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $1.24B$1.20B$1.15B$1.10B$1.12B
Net Income $674M$688M$666M$547M
Diluted EPS $4.52$4.37$4.11$4.31$3.36

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