Enact Holdings, Inc.

ACT US Financials Commercial & Residential Mortgage Finance
S&P 600
$49.43
-0.14%
Delayed · cached 15 min

Fair value analysis

ACT
Enact Holdings, Inc.
FinancialsCommercial & Residential Mortgage Finance
$49.43
Close used for this calculation
$62.62Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
70/100
Profitability17/25
Returns14/25
Balance Sheet16/25
Efficiency23/25
Growth12/25
Strong
Quality radar
70Prof.17/25Ret.14/25Eff.23/25B.Sht16/25Growth12/25

Consensus fair value

$62.62
Below FV
▲ +26.7% against the close used
Model range $6.28 – $90.40
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$6.28Fair value$62.62Bull$90.40
FairClose
52-week traded range
52W low $34.9352W high $50.04

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Enact Holdings, Inc. closed at $49.43, 21.1% below the consensus fair value of $62.62 drawn from 9 valuation models.

Financial DNA score 70/100 — Strong. P/E of 10.9x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$57.88
+17.1%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=1.4%, r=10%, tg=3%, n=10yr
Graham Number
$62.43
+26.3%
√(22.5 × EPS × BVPS)
EPS=4.52, BVPS=38.32
P/E Fair Value
$90.40
+82.9%
EPS × 20x (sector P/E)
EPS=4.52, Sector P/E=20x
Peter Lynch (PEG)
$6.28
-87.3%
EPS × Growth% (PEG = 1 is fair)
EPS=4.52, g=1.4%
EV/EBITDA
$60.49
+22.4%
(EBITDA × 10.7x − Net Debt) ÷ Shares
EBITDA=858.84M
Dividend Discount (DDM)
$10.40
-79.0%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.82, r=10%, g=2%
Book Value (P/B)
$52.00
+5.2%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=38.32, ROE=12.5%, g=3%, r=10%
Reverse DCF
$49.43
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -1.1% | Historical: 1.4%
Margin of Safety
$52.68
+6.6%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=70.24, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.