Enact Holdings Inc (ACT)vsAMERISAFE Inc (AMSF)
ACT
Enact Holdings Inc
$49.43
-0.14%
FINANCIAL SERVICES · Cap: $6.78B
AMSF
AMERISAFE Inc
$24.77
+0.45%
FINANCIAL SERVICES · Cap: $459.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 273% more annual revenue ($1.25B vs $335.66M). ACT leads profitability with a 54.5% profit margin vs 14.0%. AMSF trades at a lower P/E of 10.0x. AMSF earns a higher WallStSmart Score of 66/100 (B-).
ACT
Buy56
out of 100
Grade: C
AMSF
Strong Buy66
out of 100
Grade: B-
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 73.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
4.1% revenue growth
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
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 54.5% and operating margin at 73.3%.
Bull Case : AMSF
The strongest argument for AMSF centers on P/E Ratio, Price/Book. Revenue growth of 13.4% demonstrates continued momentum.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : AMSF
The primary concerns for AMSF are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACT carries more volatility with a beta of 0.46 — expect wider price swings.
AMSF is growing revenue faster at 13.4% — sustainability is the question.
ACT generates stronger free cash flow (119M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AMSF scores higher overall (66/100 vs 56/100) and 13.4% revenue growth. 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 prominent player in the U.S. housing sector, specializing in private mortgage insurance and comprehensive risk management solutions that enhance the affordability and accessibility of homeownership. The company is characterized by a strong capital foundation and a commitment to innovation, driven by strategic collaborations that optimize lender operations and navigate complex market dynamics. With a focus on proactive risk management and sustainable housing practices, Enact is well-positioned to seize emerging growth opportunities within the evolving real estate landscape, highlighting its essential role in supporting the housing market.
Visit Website →AMERISAFE Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
AMERISAFE, Inc., an insurance holding company, writes workers' compensation insurance in the United States. The company is headquartered in DeRidder, Louisiana.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
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