Enact Holdings, Inc. (ACT) Stock Price & Analysis
Enact Holdings, Inc. (ACT) closed at USD 45.67 on Thursday, October 15, 2026, up 1.02% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 45.21; the Oct 15, 2026 session ranged USD 45.52–46.37 on volume of 359,137 shares. Market capitalization is $6.28B, with a 52-week range of USD 34.64–50.56 (NMS). Source: Nexqual, retrieved October 16, 2026 at 05:19 UTC.
Also available as compact Markdown for AI agents: nexqual.com/ACT.md
Key facts (ACT)
- Last four reported quarters (through Jun 30, 2026): revenue $1.25B, net income $683M (54.5% margin) (SEC filings).
- Valuation: P/E 9.2x (avg 7.7x at the last 3 fiscal year-ends), net debt $248M.
- Analysts: Hold (mean 3.17 on a 1–5 scale) (6 analysts), mean target USD 49.4 (range 44–53).
- Total return with dividends: 1Y +33.1% vs S&P 500 +18.1%; 5Y +165.7% vs S&P 500 +85.1%.
- Next earnings: 2026-11-04, EPS estimate USD 1.2, revenue estimate $318M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (ACT)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.12B | $1.10B | $1.15B | $1.20B | $1.24B | $1.25B |
| Net income | $547M | $704M | $666M | $688M | $674M | $683M |
| EPS (diluted) | $3.36 | $4.31 | $4.11 | $4.37 | $4.52 | — |
| Net margin | 48.9% | 64.3% | 57.7% | 57.3% | 54.6% | 54.5% |
| Revenue growth | +1.0% | -2.0% | +5.4% | +4.2% | +2.8% | — |
| Cash + short-term investments | $426M | $517M | $636M | $603M | $582M | — |
| Total debt | $740M | $743M | $745M | $743M | $744M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (ACT)
P/E 9.2x · P/S 5.0x · EV/Sales 5.2x · P/B 1.2x · Earnings yield 10.88% · Dividend yield (paid, TTM) 1.98% · Buyback yield (TTM) 6.67% · Net debt $248M · EV $6.53B
P/E at fiscal year-ends: Dec 2025 8.8x, Dec 2024 7.4x, Dec 2023 7.0x.
Analysts (ACT)
Consensus Hold (mean 3.17 on a 1–5 scale), 6 analysts; mean target USD 49.4 (low 44, high 53).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-12 | JP Morgan | Downgrade | Neutral → Underweight | $48 → $44 |
| 2026-08-10 | Keefe, Bruyette & Woods | Target raised | Market Perform | $44 → $49 |
| 2026-08-07 | RBC Capital | Target raised | Sector Perform | $46 → $50 |
| 2026-08-07 | JP Morgan | Target raised | Neutral | $46 → $48 |
| 2026-07-13 | JP Morgan | Target raised | Neutral | $45 → $46 |
| 2026-06-25 | RBC Capital | Initiated | Sector Perform | $46 |
Total return (dividends reinvested) (ACT)
| 1Y (from 2025-10-16) | 5Y (from 2021-10-11) | |
|---|---|---|
| Total return | +33.1% | +165.7% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | +33.3% | +21.5% |
| Volatility (annualized) | 22.6% | 22.1% |
| Max drawdown | -13.6% (Sep 2026→Sep 2026) | -17.3% (Aug 2022→Sep 2022) |
Key Statistics (as of October 16, 2026 at 05:19 UTC)
| Price | USD 45.67 |
|---|---|
| Change | ▲ 1.02% (up) |
| Previous Close | USD 45.21 |
| Open | USD 45.92 |
| Day Range | USD 45.52 – 46.37 |
| 52-Week Range | USD 34.64 – 50.56 |
| Volume | 359,137 shares |
| Market Cap | $6.28B |
| Exchange | NMS |
Technical Analysis (ACT)
Nexqual's technical model rates ACT "STRONG SELL" based on 0 bullish and 5 bearish signals across 127 daily candles, as of October 16, 2026 at 05:19 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 43.8 (neutral) |
| vs SMA50 | Below (USD 48.02) |
| MACD | -0.76 (negative) |
Analyst Ratings (ACT)
Wall Street analysts rate ACT "Hold" based on 6 analysts, with a mean price target of USD 49.4 (range USD 44–53), per Nexqual as of October 16, 2026 at 05:19 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 49.4 |
| High Target | USD 53 |
| Low Target | USD 44 |
| Buy / Hold / Sell | 1 / 4 / 1 |
Earnings (ACT)
| Next Earnings Date | 2026-11-04 |
|---|---|
| EPS Estimate | USD 1.2 |
| Revenue Estimate | $317.92M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.26 vs est 1.19 ▲ beat |
| 2026-03-31 | USD 1.21 vs est 1.2 ▲ beat |
| 2025-12-31 | USD 1.23 vs est 1.1 ▲ beat |
| 2025-09-30 | USD 1.12 vs est 1.11 ▲ beat |
Source: Nexqual, October 16, 2026 at 05:19 UTC.
Financials & Fundamentals (ACT)
| Total Revenue | $1.25B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +4.10% |
| Gross Margin | +73.18% |
| Operating Margin | +73.26% |
| Profit Margin | +54.51% |
| ROE | +12.87% |
| Debt / Equity | 0.14 |
| Current Ratio | 0.92 |
| Total Cash | $497.57M |
| Total Debt | $745.23M |
Source: Nexqual, October 16, 2026 at 05:19 UTC.
Financial Health Score (ACT)
Nexqual rates Enact Holdings, Inc.'s overall financial health "Solid" across five dimensions, as of October 16, 2026 at 05:19 UTC.
| Growth | Mixed — Revenue +2.8% YoY (annual), slow |
|---|---|
| Profitability | Strong — Gross margin 73%, operating 73% |
| Balance Sheet | Solid — $498M cash vs $745M debt |
| Cash Flow | Solid — Operating cash flow $725M (FY ended Dec 2025, 10-K) |
| Efficiency | Mixed — ROE 13%, ROA 8.4% |
Ownership (ACT)
| Insider Ownership | +80.87% |
|---|---|
| Institutional Ownership | +22.56% |
| Shares Outstanding | 137.48M |
| Float | 27.05M |
| Short % of Float | +12.18% |
Source: Nexqual, October 16, 2026 at 05:19 UTC.
Leadership (ACT)
Enact Holdings, Inc. is led by Rohit Gupta (age 50), President, CEO & Director, per Nexqual as of October 16, 2026 at 05:19 UTC.
| President, CEO & Director | Rohit Gupta (age 50) |
|---|---|
| Executive VP, CFO & Treasurer | Hardin Dean Mitchell (age 55) |
| EVP & COO | Brian Michael Gould (age 53) |
| Vice President of Investor Relations | Daniel Kohl |
| Senior Vice President of Sales | Matthew Robert Young |
Major Backers & Investors (ACT)
Notable institutional backers of Enact Holdings, Inc. include American Century Companies Inc, First Trust Advisors LP, Glendon Capital Management, LP, according to Nexqual as of October 16, 2026 at 05:19 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 1.32% |
| First Trust Advisors LP | 1.16% |
| Glendon Capital Management, LP | 0.93% |
| First TRT Exch-Trd Fd. VI-First TRT SMID Cap Rising Dividend Achievers | 0.85% |
| LSV Asset Management | 0.72% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 5.2% |
| Vanguard Group | 3.76% |
| Dimensional Fund Advisors | 2.55% |
| State Street | 0.9% |
| Geode Capital | 0.65% |
Source: Nexqual, October 16, 2026 at 05:19 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FAF | First American Corporation (New | USD 63.43 | ▲ 2.03% |
| ESNT | Essent Group Ltd. | USD 63.76 | ▲ 2.77% |
| MTG | MGIC Investment Corporation | USD 27.61 | ▲ 1.81% |
| AXS | Axis Capital Holdings Limited | USD 97.93 | ▲ 0.39% |
| RDN | Radian Group Inc. | USD 33.6 | ▼ 0.44% |
| FNF | Fidelity National Financial, In | USD 39.68 | ▲ 1.15% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 16, 2026 at 05:19 UTC. This page is informational and not investment advice.
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