Enact Holdings Inc. (ACT) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-02, Enact Holdings Inc. (NASDAQ: ACT) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $47.18 (-1.83% 1D, market cap $6.61B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ACT ranks #61 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), ACT carries a Roarable B (73/100 RQD), trailing P/E of 9.8x, gross margin of —, and ROIC of 12.6%. By comparison, FAF (First American Corporation) holds a D+ grade (57/100 RQD, P/E 10.5x, ROIC 7.0%, cap $6.51B) and HGTY (Hagerty Inc. (Class A)) posts a B grade (75/100 RQD, P/E 37.5x, ROIC 67.4%, cap $5.60B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while HGTY leads on capital efficiency (67.4% ROIC).
Per ACT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001823529), Enact Holdings Inc. generated $1.24B in revenue (+2.8% YoY), $674.2M in net income, and $724.5M in free cash flow against $6.89B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
FRED Regime × Technicals: 78% of 52W Range • RSI-14 at 56.3 (BULLISH MOMENTUM)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
Even with a 73/100 (B) score, ACT faces multiple-compression risk if 9.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($47.52) or 200D SMA ($44.38) invalidates the momentum regime and cuts Target Base ($50.36) toward Bear Floor ($38.69).
Enact Holdings Inc. (ACT) slipped -1.83% to $47.18, trading at 78% of its 52-week range ($35.24 – $50.56). High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.
Enact Holdings reported that director Thomas J. McInerney intends to step down from the Board and Compensation Committee at the end of 2026, while a new White House housing policy direction raises regulatory questions fo
BofA Securities put Enact Holdings (ACT) in the spotlight after cutting its rating, pointing to fresh policy risks linked to a White House housing order and potential implications for private mortgage insurers. Enact Hol
Enact Holdings (NasdaqGS:ACT) disclosed that director Thomas J. McInerney plans to resign from its board effective December 31, 2026. The company stated that McInerney’s upcoming departure is not related to any disagreem
Enact Holdings has delivered a powerful long term share price run, and with the stock recently closing at US$47.18, the real question for you is whether that level is still grounded in what the business earns today. Afte
Investing.com -- Shares of private mortgage insurers retreated in Friday trading after BofA Securities downgraded several prominent lenders in the space, citing emerging regulatory headwinds that threaten to cap equity m
B of A Securities analyst Mihir Bhatia downgrades Enact Holdings (NASDAQ:ACT) from Buy to Underperform and lowers the price target from $53 to $42.
Lemonade (LMND) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Enact Holdings (ACT) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
The order, however, won’t have a dramatic impact on home affordability.
Neptune Insurance Holdings Inc. (NP) delivered earnings and revenue surprises of +6.25% and +8.37%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +2.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ACT today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ACT. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Enact Holdings Inc. (ACT) ranks #61 by composite RQD confidence (73/100, grade B) and #234 by equity capitalization ($6.61B). Within this direct 5-issuer industry benchmark cohort, ACT leads on earnings valuation at 9.8x trailing P/E, while HGTY leads on capital efficiency and profitability with 67.4% ROIC and — gross margin. HGTY currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with ACT at 73/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| ACT
ACTIVE
Enact Holdings Inc. | B | 73/100 | 9.8x | — | 12.6% | -1.83% | $6.61B | Benchmark Subject |
| FAF First American Corporation | D+ | 57/100 | 10.5x | — | 7.0% | +0.16% | $6.51B | /faf-vs-act → |
| HGTY Hagerty Inc. (Class A) | B | 75/100 | 37.5x | — | 67.4% | +0.78% | $5.60B | /hgty-vs-act → |
| BWIN The Baldwin Insurance Group Inc. | D | 46/100 | — | — | 3.6% | +0.31% | $4.44B | /bwin-vs-act → |
| ARX Accelerant Holdings (Class A) | C | 64/100 | — | — | — | 0.00% | $4.30B | /arx-vs-act → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Enact Holdings Inc. (ACT) reported GAAP revenue of $1.24B (+2.8% vs. FY2024 revenue of $1.20B , and +7.1% cumulative change since FY2023) , GAAP net income of $674.2M, operating cash flow of $724.5M, and free cash flow of $724.5M (+5.6% YoY). On the balance sheet, ACT closed FY2025 with $6.89B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.24B | $674.2M | $724.5M | $724.5M | $6.89B | — |
| FY2024 (FY) | 2024-12-31 | $1.20B | $688.1M | $686.3M | $686.3M | $6.52B | — |
| FY2023 (FY) | 2023-12-31 | $1.15B | $665.5M | $632.0M | $632.0M | — | — |
As of 2026-11-02, Enact Holdings Inc. (NASDAQ: ACT) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $47.18 (-1.83% 1D, market cap $6.61B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ACT ranks #61 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), ACT carries a Roarable B (73/100 RQD), trailing P/E of 9.8x, gross margin of —, and ROIC of 12.6%. By comparison, FAF (First American Corporation) holds a D+ grade (57/100 RQD, P/E 10.5x, ROIC 7.0%, cap $6.51B) and HGTY (Hagerty Inc. (Class A)) posts a B grade (75/100 RQD, P/E 37.5x, ROIC 67.4%, cap $5.60B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while HGTY leads on capital efficiency (67.4% ROIC).
Per ACT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001823529), Enact Holdings Inc. generated $1.24B in revenue (+2.8% YoY), $674.2M in net income, and $724.5M in free cash flow against $6.89B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
ACT last traded at $47.18 (-1.83% on volume of 363,631 shares), positioning the stock -0.72% below its 50-day simple moving average ($47.52) and +6.31% above its 200-day simple moving average ($44.38). Across its 52-week range of $35.24 to $50.56, ACT sits at the 77.9% percentile with a 14-day RSI of 56.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($45.01 to $49.35).
Why ACT Stock slipped -1.83% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.
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