Enact Holdings Inc (ACT)vsEmployers Holdings Inc (EIG)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
EIG
Employers Holdings Inc
$40.06
-0.15%
FINANCIAL SERVICES · Cap: $761.55M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 44% more annual revenue ($1.24B vs $858.70M). ACT leads profitability with a 54.6% profit margin vs 1.3%. ACT trades at a lower P/E of 8.9x. ACT earns a higher WallStSmart Score of 56/100 (C).
ACT
Buy56
out of 100
Grade: C
EIG
Hold47
out of 100
Grade: D+
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
-1274.1%
Fair Value
$3.13
Current Price
$40.06
$36.93 premium
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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Areas to Watch
3.6% revenue growth
Weak financial health signals
Smaller company, higher risk/reward
ROE of 1.1% — below average capital efficiency
1.3% margin — thin
Premium valuation, high expectations priced in
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 : EIG
The strongest argument for EIG centers on Price/Book, Debt/Equity. PEG of 1.32 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 : EIG
The primary concerns for EIG are Market Cap, Return on Equity, Profit Margin. A P/E of 85.0x leaves little room for execution misses. Thin 1.3% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACT carries more volatility with a beta of 0.51 — 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.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACT scores higher overall (56/100 vs 47/100), backed by strong 54.6% margins. Both earn "Buy" and "Hold" 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 →Employers Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Employers Holdings, Inc. operates in the commercial property and casualty insurance industry primarily in the United States. The company is headquartered in Reno, Nevada.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
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