Enact Holdings Inc (ACT)vsAssured Guaranty Ltd (AGO)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
AGO
Assured Guaranty Ltd
$81.48
-0.20%
FINANCIAL SERVICES · Cap: $3.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 49% more annual revenue ($1.24B vs $832.00M). AGO leads profitability with a 60.5% profit margin vs 54.6%. AGO trades at a lower P/E of 7.9x. AGO earns a higher WallStSmart Score of 67/100 (B-).
ACT
Buy56
out of 100
Grade: C
AGO
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.5%
Fair Value
$142.83
Current Price
$40.30
$102.53 discount
Margin of Safety
+82.0%
Fair Value
$480.17
Current Price
$81.48
$398.69 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 75.3%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Areas to Watch
3.6% revenue growth
Weak financial health signals
Revenue declined 37.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACT
The strongest argument for ACT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 54.6% and operating margin at 75.3%.
Bull Case : AGO
The strongest argument for AGO centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 60.5% and operating margin at 12.1%. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : AGO
The primary concerns for AGO are Revenue Growth.
Key Dynamics to Monitor
ACT profiles as a value stock while AGO is a declining play — different risk/reward profiles.
AGO carries more volatility with a beta of 0.93 — expect wider price swings.
ACT is growing revenue faster at 3.6% — sustainability is the question.
ACT generates stronger free cash flow (186M), providing more financial flexibility.
Bottom Line
AGO scores higher overall (67/100 vs 56/100), backed by strong 60.5% margins. ACT offers better value entry with a 69.5% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Enact Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Enact Holdings Inc (ACT) is a leading provider of private mortgage insurance and risk management solutions, primarily for the U.S. housing sector. The company is dedicated to facilitating homeownership and promoting sustainable housing practices, leveraging its robust capital resources and strategic partnerships to address market challenges. Enact’s commitment to innovation and technology enables it to adapt swiftly to industry changes, positioning the company to capitalize on growth opportunities while enhancing the capabilities of lenders and effectively managing risk.
Visit Website →Assured Guaranty Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Assured Guaranty Ltd., provides credit protection products to the public finance, infrastructure and structured finance markets in the United States and internationally. The company is headquartered in Hamilton, Bermuda.
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