ACT

Enact Holdings Inc.

Financial Services · $6.4B market cap

Verdict

Share price

$45.26

close of Oct 3, 2026

Fair value

$98.43

Sticker Price

Payback Price

$39.37

buy price

Undervalued

ACT is Undervalued: at $45.26 it trades 54% below its fair value of $98.43. Its buy price (Payback Price) is $39.37, 13% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth-1.4% a year✗
Equity per share growth12.7% a year✓
Sales growth4.1% a year✗
Free cash flow growth7.1% a year✗
Return on invested capital10.5%✓

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Insider activity

Since Jun 18, 2026: no open-market purchases, 4 sales worth $84.6M and 28 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

McMullen James

Controller · 2026-06-18

Award

4 shares

McMullen James

Controller · 2026-06-18

Award

5 shares

McMullen James

Controller · 2026-06-18

Award

8 shares

McMullen James

Controller · 2026-06-18

Award

10 shares

McMullen James

Controller · 2026-06-18

Award

15 shares

Show all 28 other filings

THOMPSON WESTLEY V

director · 2026-06-18

Award

201 shares

FISK JOHN D

director · 2026-06-18

Award

201 shares

Derstine Michael

EVP and Chief Risk Officer · 2026-06-18

Award

15 shares

Derstine Michael

EVP and Chief Risk Officer · 2026-06-18

Award

24 shares

Derstine Michael

EVP and Chief Risk Officer · 2026-06-18

Award

39 shares

RESTREPO ROBERT P JR

director · 2026-06-18

Award

201 shares

Gupta Rohit

President and CEO · 2026-06-18

Award

107 shares

Gupta Rohit

President and CEO · 2026-06-18

Award

173 shares

Gupta Rohit

President and CEO · 2026-06-18

Award

217 shares

Mitchell Hardin Dean

EVP, CFO and Treasurer · 2026-06-18

Award

36 shares

Mitchell Hardin Dean

EVP, CFO and Treasurer · 2026-06-18

Award

58 shares

Mitchell Hardin Dean

EVP, CFO and Treasurer · 2026-06-18

Award

75 shares

Mitchell H Elizabeth

director · 2026-06-18

Award

56 shares

Stolove Evan

EVP, Gen. Counsel & Secretary · 2026-06-18

Award

15 shares

Stolove Evan

EVP, Gen. Counsel & Secretary · 2026-06-18

Award

24 shares

Stolove Evan

EVP, Gen. Counsel & Secretary · 2026-06-18

Award

28 shares

Addesso Dominic James

director · 2026-06-18

Award

348 shares

Hooda Sheila

director · 2026-06-18

Award

201 shares

STILL DEBRA

director · 2026-06-18

Award

201 shares

BLESS MICHAEL A

director · 2026-06-18

Award

176 shares

Gould Brian

EVP & Chief Operations Officer · 2026-06-18

Award

12 shares

Gould Brian

EVP & Chief Operations Officer · 2026-06-18

Award

19 shares

Gould Brian

EVP & Chief Operations Officer · 2026-06-18

Award

23 shares

About Enact Holdings Inc.

Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company engages in writing and assuming residential mortgage guaranty insurance. It also offers private mortgage insurance products insuring prime-based, individually underwritten residential mortgage loans; pool mortgage insurance; contract underwriting services; and mortgage-related reinsurance products. The company…

Insurance - Specialty

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works