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Financial Services - Insurance - Specialty - NASDAQ - US
$ 32.53
0.0308 %
$ 5 B
Market Cap
7.58
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ACT stock under the worst case scenario is HIDDEN Compared to the current market price of 32.5 USD, Enact Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ACT stock under the base case scenario is HIDDEN Compared to the current market price of 32.5 USD, Enact Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ACT stock under the best case scenario is HIDDEN Compared to the current market price of 32.5 USD, Enact Holdings, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
1.15 B REVENUE
5.36%
903 M OPERATING INCOME
-4.90%
666 M NET INCOME
-5.49%
632 M OPERATING CASH FLOW
12.76%
-229 M INVESTING CASH FLOW
-4.15%
-301 M FINANCING CASH FLOW
-19.19%
310 M REVENUE
3.60%
256 M OPERATING INCOME
11.79%
181 M NET INCOME
-1.64%
188 M OPERATING CASH FLOW
30.02%
-102 M INVESTING CASH FLOW
-317.83%
-111 M FINANCING CASH FLOW
-20.90%
Balance Sheet Enact Holdings, Inc.
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Current Assets 616 M
Cash & Short-Term Investments 616 M
Receivables 45.1 M
Other Current Assets -45.1 M
Non-Current Assets 5.57 B
Long-Term Investments 20.2 M
PP&E 11.3 M
Other Non-Current Assets 5.54 B
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 1.56 B
Long-Term Debt 745 M
Other Non-Current Liabilities 813 M
EFFICIENCY
Earnings Waterfall Enact Holdings, Inc.
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Revenue 1.15 B
Cost Of Revenue 0
Gross Profit 1.15 B
Operating Expenses 212 M
Operating Income 903 M
Other Expenses 238 M
Net Income 666 M
RATIOS
100.00% GROSS MARGIN
100.00%
78.30% OPERATING MARGIN
78.30%
57.69% NET MARGIN
57.69%
14.37% ROE
14.37%
10.75% ROA
10.75%
13.13% ROIC
13.13%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Enact Holdings, Inc.
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Net Income 666 M
Depreciation & Amortization 0
Capital Expenditures 0
Stock-Based Compensation 15.3 M
Change in Working Capital -61.5 M
Others -46.9 M
Free Cash Flow 632 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Enact Holdings, Inc.
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Wall Street analysts predict an average 1-year price target for ACT of $30.7 , with forecasts ranging from a low of $25 to a high of $33 .
ACT Lowest Price Target Wall Street Target
25 USD -23.15%
ACT Average Price Target Wall Street Target
30.7 USD -5.73%
ACT Highest Price Target Wall Street Target
33 USD 1.44%
4. DIVIDEND ANALYSIS
0.51% DIVIDEND YIELD
0.185 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Enact Holdings, Inc.
image
Sold
0-3 MONTHS
60.3 M USD 1
3-6 MONTHS
58.1 M USD 1
6-9 MONTHS
39.5 M USD 1
9-12 MONTHS
39.9 M USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
270 K USD 1
9-12 MONTHS
Date Value Insider Amount Avg Price
2 weeks ago
Dec 30, 2024
Sell 12.5 M USD
Genworth Holdings, Inc.
10 percent owner
- 367955
33.9516 USD
1 month ago
Nov 29, 2024
Sell 23.3 M USD
Genworth Holdings, Inc.
10 percent owner
- 684401
34.0515 USD
2 months ago
Oct 31, 2024
Sell 24.5 M USD
Genworth Holdings, Inc.
10 percent owner
- 682729
35.8992 USD
3 months ago
Sep 30, 2024
Sell 24.2 M USD
Genworth Holdings, Inc.
10 percent owner
- 673037
35.9971 USD
4 months ago
Aug 30, 2024
Sell 23.4 M USD
Genworth Holdings, Inc.
10 percent owner
- 697093
33.5709 USD
5 months ago
Jul 31, 2024
Sell 10.5 M USD
Genworth Holdings, Inc.
10 percent owner
- 337312
31.0111 USD
6 months ago
Jun 28, 2024
Sell 16.3 M USD
Genworth Holdings, Inc.
10 percent owner
- 540034
30.1755 USD
7 months ago
May 31, 2024
Sell 13.1 M USD
Genworth Holdings, Inc.
10 percent owner
- 422870
31.0336 USD
8 months ago
Apr 30, 2024
Sell 10.1 M USD
Genworth Holdings, Inc.
10 percent owner
- 336266
30.068 USD
9 months ago
Mar 28, 2024
Sell 7.94 M USD
Genworth Holdings, Inc.
10 percent owner
- 274903
28.8978 USD
10 months ago
Feb 29, 2024
Sell 29 M USD
Genworth Holdings, Inc.
10 percent owner
- 1067671
27.1263 USD
10 months ago
Feb 23, 2024
Bought 270 K USD
Gupta Rohit
President and CEO
+ 10000
26.969 USD
11 months ago
Jan 30, 2024
Sell 3.02 M USD
Genworth Holdings, Inc.
10 percent owner
- 108721
27.7466 USD
1 year ago
Nov 29, 2023
Sell 8.16 M USD
Genworth Holdings, Inc.
10 percent owner
- 294653
27.6892 USD
1 year ago
Oct 30, 2023
Sell 6.52 M USD
Genworth Holdings, Inc.
10 percent owner
- 240502
27.1255 USD
1 year ago
Jul 31, 2023
Sell 5.12 M USD
Genworth Holdings, Inc.
10 percent owner
- 197332
25.9607 USD
1 year ago
Jun 29, 2023
Sell 8.35 M USD
Genworth Holdings, Inc.
10 percent owner
- 332166
25.1501 USD
1 year ago
May 31, 2023
Sell 18.4 M USD
Genworth Holdings, Inc.
10 percent owner
- 772596
23.8504 USD
1 year ago
Apr 28, 2023
Sell 6.78 M USD
Genworth Holdings, Inc.
10 percent owner
- 285980
23.725 USD
1 year ago
Mar 16, 2023
Sell 4.35 M USD
Genworth Holdings, Inc.
10 percent owner
- 181668
23.9408 USD
1 year ago
Mar 10, 2023
Bought 118 K USD
Gupta Rohit
President and CEO
+ 5206
22.6075 USD
1 year ago
Feb 28, 2023
Sell 8.75 M USD
Genworth Holdings, Inc.
10 percent owner
- 359299
24.3461 USD
1 year ago
Jan 31, 2023
Sell 4.99 M USD
Genworth Holdings, Inc.
10 percent owner
- 207007
24.1258 USD
2 years ago
Dec 16, 2022
Sell 459 K USD
Genworth Holdings, Inc.
Director
- 19174
23.9382 USD
2 years ago
Nov 30, 2022
Sell 791 K USD
Genworth Holdings, Inc.
Director
- 32699
24.1985 USD
2 years ago
May 10, 2022
Bought 110 K USD
BLESS MICHAEL A
director:
+ 5000
22.036 USD
2 years ago
May 10, 2022
Bought 110 K USD
BLESS MICHAEL A
Director
+ 5000
22.036 USD
2 years ago
Mar 08, 2022
Bought 99.7 K USD
Gould Brian
EVP & Chief Operations Officer
+ 5000
19.931 USD
2 years ago
Feb 07, 2022
Bought 101 K USD
Gupta Rohit
President and CEO
+ 4750
21.352 USD
2 years ago
Feb 07, 2022
Bought 101 K USD
Gupta Rohit
President and CEO
+ 4750
21.352 USD
3 years ago
Sep 20, 2021
Sell 535 M USD
Genworth Holdings, Inc.
10 percent owner
- 29962560
17.86 USD
3 years ago
Sep 20, 2021
Sell 535 M USD
Genworth Holdings, Inc.
10 percent owner
- 29962560
17.86 USD
3 years ago
Sep 20, 2021
Bought 95 K USD
Waleski Anne G
Director
+ 5000
19 USD
3 years ago
Sep 20, 2021
Bought 95 K USD
Waleski Anne G
Director
+ 5000
19 USD
3 years ago
Sep 20, 2021
Bought 95 K USD
THOMPSON WESTLEY V
Director
+ 5000
19 USD
3 years ago
Sep 20, 2021
Bought 95 K USD
THOMPSON WESTLEY V
Director
+ 5000
19 USD
3 years ago
Sep 20, 2021
Bought 95 K USD
STILL DEBRA
Director
+ 5000
19 USD
3 years ago
Sep 20, 2021
Bought 95 K USD
STILL DEBRA
Director
+ 5000
19 USD
3 years ago
Sep 20, 2021
Bought 950 K USD
Sheehan Daniel J IV
Director
+ 50000
19 USD
3 years ago
Sep 20, 2021
Bought 950 K USD
Sheehan Daniel J IV
Director
+ 50000
19 USD
3 years ago
Sep 20, 2021
Bought 475 K USD
RESTREPO ROBERT P JR
Director
+ 25000
19 USD
3 years ago
Sep 20, 2021
Bought 475 K USD
RESTREPO ROBERT P JR
Director
+ 25000
19 USD
3 years ago
Sep 20, 2021
Bought 380 K USD
Mitchell Hardin Dean
EVP, CFO and Treasurer
+ 20000
19 USD
3 years ago
Sep 20, 2021
Bought 380 K USD
Mitchell Hardin Dean
EVP, CFO and Treasurer
+ 20000
19 USD
3 years ago
Sep 20, 2021
Bought 608 K USD
Gupta Rohit
President and CEO
+ 32000
19 USD
3 years ago
Sep 20, 2021
Bought 608 K USD
Gupta Rohit
President and CEO
+ 32000
19 USD
3 years ago
Sep 20, 2021
Bought 19 K USD
Gould Brian
EVP & Chief Operations Officer
+ 1000
19 USD
3 years ago
Sep 20, 2021
Bought 19 K USD
Gould Brian
EVP & Chief Operations Officer
+ 1000
19 USD
3 years ago
Sep 20, 2021
Bought 114 K USD
FISK JOHN D
Director
+ 6000
19 USD
3 years ago
Sep 20, 2021
Bought 114 K USD
FISK JOHN D
Director
+ 6000
19 USD
3 years ago
Sep 20, 2021
Bought 19 K USD
Derstine Michael
EVP and Chief Risk Officer
+ 1000
19 USD
3 years ago
Sep 20, 2021
Bought 19 K USD
Derstine Michael
EVP and Chief Risk Officer
+ 1000
19 USD
3 years ago
Sep 20, 2021
Bought 190 K USD
Addesso Dominic James
Director
+ 10000
19 USD
3 years ago
Sep 20, 2021
Bought 190 K USD
Addesso Dominic James
Director
+ 10000
19 USD
10 years ago
Nov 26, 2014
Sell 1.22 M USD
Meury William
See Remarks
- 4550
269.1443 USD
11 years ago
Dec 05, 2013
Sell 42.9 K USD
TURNER ANDREW L
Director
- 264
162.43 USD
11 years ago
Dec 02, 2013
Sell 978 K USD
TAYLOR RONALD R
Director
- 6000
163.01 USD
11 years ago
Nov 26, 2013
Sell 1.63 M USD
Mayr Charles M
Chief Communic Off-Global
- 10000
162.6 USD
11 years ago
Nov 22, 2013
Sell 409 K USD
TURNER ANDREW L
Director
- 2500
163.45 USD
11 years ago
Nov 14, 2013
Sell 492 K USD
WEISS FRED G
Director
- 3000
164.15 USD
11 years ago
Nov 11, 2013
Sell 3.69 M USD
BISARO PAUL
Chair,Pres &CEO
- 23278
158.48 USD
11 years ago
Nov 11, 2013
Sell 2.81 M USD
BISARO PAUL
Chair,Pres &CEO
- 17643
159.07 USD
11 years ago
Nov 11, 2013
Sell 4.78 M USD
BUCHEN DAVID A
Chief Legal Officer-Global&Sec
- 30000
159.3 USD
11 years ago
Nov 06, 2013
Sell 47.2 K USD
HOWSON TAMAR D
Director
- 300
157.34 USD
11 years ago
Nov 06, 2013
Sell 1.73 M USD
EBERT CHARLES D
SVP, BRANDS R&D
- 10877
158.75 USD
11 years ago
Nov 04, 2013
Sell 419 K USD
TURNER ANDREW L
Director
- 2677
156.4786 USD
11 years ago
Nov 04, 2013
Sell 1.13 M USD
Eagan Patrick
CHIEF HR OFFICER-GLOBAL
- 7200
156.7127 USD
11 years ago
Aug 29, 2013
Sell 1.36 M USD
BUCHEN DAVID A
Chief Legal Officer-Global&Sec
- 10000
135.5579 USD
11 years ago
Aug 20, 2013
Sell 6.77 M USD
BISARO PAUL
President & CEO
- 50000
135.3018 USD
11 years ago
Aug 12, 2013
Sell 642 K USD
Mayr Charles M
Chief Communic Off-Global
- 4820
133.2295 USD
11 years ago
Aug 12, 2013
Sell 222 K USD
KLEMA CATHY
Director
- 1667
133.0333 USD
11 years ago
Aug 05, 2013
Sell 1.12 M USD
EBERT CHARLES D
Sr. VP, Research & Development
- 8244
136.2501 USD
11 years ago
Aug 09, 2013
Sell 676 K USD
TAYLOR RONALD R
Director
- 5000
135.1406 USD
11 years ago
Aug 09, 2013
Sell 27 K USD
BUCHEN DAVID A
Chief Legal Officer-Global&Sec
- 200
135 USD
11 years ago
Aug 12, 2013
Sell 2.23 M USD
BUCHEN DAVID A
Chief Legal Officer-Global&Sec
- 16800
133.0084 USD
11 years ago
Mar 14, 2013
Sell 91.8 K USD
Mayr Charles M
Chief Communic Off-Global
- 1000
91.77 USD
11 years ago
Mar 12, 2013
Sell 712 K USD
BUCHEN DAVID A
Chief Legal Officer-Global&Sec
- 8000
89 USD
11 years ago
Mar 04, 2013
Sell 214 K USD
TURNER ANDREW L
director, other: Non-Executive Chairman
- 2500
85.76 USD
7. News
The New Year May Not Be Kind To Radian Group The New Year May Not Be Kind To Radian Group seekingalpha.com - 2 weeks ago
Here's Why Enact Holdings (ACT) is Poised for a Turnaround After Losing -8.06% in 4 Weeks Enact Holdings (ACT) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term. zacks.com - 3 weeks ago
Aduro Clean Technologies Announces Second Partial Exercise of Over-Allotment Option LONDON, Ontario, Dec. 11, 2024 (GLOBE NEWSWIRE) -- Aduro Clean Technologies Inc. (“Aduro” or the “Company”) (Nasdaq: ADUR) (CSE: ACT) (FSE: 9D5), a clean technology company using the power of chemistry to transform lower value feedstocks, like waste plastics, heavy bitumen, and renewable oils, into resources for the 21ˢᵗ century, today announced that the underwriters of its underwritten U.S. public offering (the “Offering”) have, for a second time, partially exercised their over-allotment option to purchase an additional 22,470 common shares at the public offering price of US$4.25 per share. After giving effect to the partial exercise of the over-allotment option, the Company sold an aggregate 1,063,647 common shares for gross proceeds of approximately US$4.52 million, before deducting underwriter discounts and other related expenses. globenewswire.com - 1 month ago
$500,000 ACT Grant Awarded to Fund Newport News Public Schools' New Teacher Institute Program Four leading companies partner in support of education and workforce development mission NEWPORT NEWS, Va. , Dec. 11, 2024 /PRNewswire/ -- Today, the BayPort Foundation, Ferguson, Newport News Shipbuilding, a division of HII, and Virginia Natural Gas announced that the Newport News Education Foundation has been awarded the $500,000 Accelerating Change Together (ACT) Grant to support the Newport News Public Schools (NNPS) New Teacher Institute (NTI) program. prnewswire.com - 1 month ago
Aduro Clean Technologies Announces Partial Exercise of Over-Allotment Option LONDON, Ontario, Dec. 03, 2024 (GLOBE NEWSWIRE) -- Aduro Clean Technologies Inc. (“Aduro” or the “Company”) (Nasdaq: ADUR) (CSE: ACT) (FSE: 9D5), a clean technology company using the power of chemistry to transform lower value feedstocks, like waste plastics, heavy bitumen, and renewable oils, into resources for the 21st century, today announced that the underwriters of its underwritten U.S. public offering (the “Offering”) have partially exercised their over-allotment option to purchase an additional 100,000 common shares at the public offering price of US$4.25 per share. After giving effect to the partial exercise of the over-allotment option, the Company sold an aggregate 1,041,177 common shares for gross proceeds of approximately US$4.43 million, before deducting underwriter discounts and other related expenses. globenewswire.com - 1 month ago
Enact Mortgage Insurance Enters into Two Quota Share Reinsurance Agreements Secures 27% of forward quota share reinsurance coverage from a panel of third-party reinsurance providers Secures 27% of forward quota share reinsurance coverage from a panel of third-party reinsurance providers globenewswire.com - 1 month ago
Aduro Clean Technologies Announces Voting Results for Election of Directors LONDON, Ontario, Dec. 02, 2024 (GLOBE NEWSWIRE) -- Aduro Clean Technologies Inc . (“Aduro” or the “Company”) (Nasdaq: ADUR) (CSE: ACT) (FSE: 9D5), a clean technology company using the power of chemistry to transform lower value feedstocks, like waste plastics, heavy bitumen, and renewable oils, into resources for the 21st century, is pleased to announce that at its 2023/2024 annual general meeting held November 22, 2024 (the “Meeting”), all of the nominees for election as directors of the Company referred to in its notice of meeting and information circular dated October 23, 2024 for the Meeting were elected. globenewswire.com - 1 month ago
Aduro Clean Technologies Announces Closing of US$4 Million Uplisting to Nasdaq LONDON, Ontario, Nov. 08, 2024 (GLOBE NEWSWIRE) -- Aduro Clean Technologies Inc. (“Aduro” or the “Company”) (Nasdaq: ADUR) (CSE: ACT) (FSE: 9D5), a clean technology company using the power of chemistry to transform lower value feedstocks, like waste plastics, heavy bitumen, and renewable oils, into resources for the 21st century, today announced the closing of its underwritten U.S. public offering (the “Offering”) of 941,177 common shares at a public offering price of US$4.25 per common share. The common shares commenced trading on the Nasdaq Capital Market on November 7, 2024, under the ticker symbol “ADUR. globenewswire.com - 2 months ago
Enact Holdings, Inc. (ACT) Q3 2024 Earnings Call Transcript Enact Holdings, Inc. (NASDAQ:ACT ) Q3 2024 Earnings Conference Call November 7, 2024 8:00 AM ET Company Participants Daniel Kohl - Vice President, Finance & Investor Relations Rohit Gupta - President & Chief Executive Officer Dean Mitchell - Chief Financial Officer & Treasurer Conference Call Participants Doug Harter - UBS Mihir Bhatia - Bank of America Bose George - KBW Richard Shane - JPMorgan Operator Good day and welcome to the Enact Third Quarter 2024 Earnings Conference Call. All participants will be in listen-only mode. seekingalpha.com - 2 months ago
Aduro Clean Technologies Announces Pricing of US$4 Million Uplisting to Nasdaq LONDON, Ontario, Nov. 07, 2024 (GLOBE NEWSWIRE) -- Aduro Clean Technologies Inc. (“Aduro” or the “Company”) (Nasdaq: ADUR) (CSE: ACT) (FSE: 9D5), a clean technology company using the power of chemistry to transform lower value feedstocks, like waste plastics, heavy bitumen, and renewable oils, into resources for the 21st century, today announced the pricing of its underwritten U.S. public offering of 941,177 common shares at a public offering price of US$4.25 per common share for aggregate gross proceeds of approximately US$4 million, prior to deducting underwriting discounts and offering expenses (the “Offering”). In addition, the Company has granted the underwriters a 45-day option to purchase up to an additional 141,176 common shares at the public offering price, less underwriting discounts to cover over-allotments, if any. globenewswire.com - 2 months ago
Enact Holdings, Inc. (ACT) Q3 Earnings and Revenues Top Estimates Enact Holdings, Inc. (ACT) came out with quarterly earnings of $1.16 per share, beating the Zacks Consensus Estimate of $1.01 per share. This compares to earnings of $1.02 per share a year ago. zacks.com - 2 months ago
Enact Reports Third Quarter 2024 Results And Announces Quarterly Dividend GAAP Net Income of $181 million, or $1.15 per diluted share Adjusted Operating Income of $182 million, or $1.16 per diluted share Return on Equity of 14.7% and Adjusted Operating Return on Equity of 14.8% Record Primary insurance in-force of $268 billion, a 2% increase from third quarter 2023 PMIERs Sufficiency of 173% or $2,190 million Book Value Per Share of $32.61 and Book Value Per Share excluding AOCI of $33.27 Announces quarterly cash dividend of $0.185 per common share globenewswire.com - 2 months ago
8. Profile Summary

Enact Holdings, Inc. ACT

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COUNTRY US
INDUSTRY Insurance - Specialty
MARKET CAP $ 5 B
Dividend Yield 0.51%
Description Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company is involved in writing and assuming residential mortgage guaranty insurance. It offers private mortgage insurance products primarily insuring prime-based, individually underwritten residential mortgage loans; and contract underwriting services for mortgage lenders. 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.
Contact 8325 Six Forks Road, Raleigh, NC, 27615 https://www.enactmi.com
IPO Date Sept. 16, 2021
Employees 465
Officers Ms. Neenu Sohi Kainth Senior Vice President & Chief Customer Experience Officer Mr. Rohit Gupta President, Chief Executive Officer & Director Mr. Daniel Kohl Vice President of Investor Relations Ms. Susan Gumm Sullivan Senior Vice President & Chief Human Resources Officer Mr. James Robert McMullen Vice President, Controller & Principal Accounting Officer Mr. Brian Michael Gould EVice President & Chief Operating Officer Mr. Michael Paul Derstine Executive Vice President & Chief Risk Officer Mr. Hardin Dean Mitchell Executive Vice President, Chief Financial Officer & Treasurer Mr. Matthew Robert Young Senior Vice President of Sales Mr. Evan Scott Stolove Executive Vice President, General Counsel & Secretary