Enact Holdings Inc (ACT)vsEmployers Holdings Inc (EIG)
ACT
Enact Holdings Inc
$41.79
+2.05%
FINANCIAL SERVICES · Cap: $5.92B
EIG
Employers Holdings Inc
$43.63
+0.46%
FINANCIAL SERVICES · Cap: $848.84M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 44% more annual revenue ($1.24B vs $863.70M). ACT leads profitability with a 54.5% profit margin vs 0.9%. ACT trades at a lower P/E of 9.2x. ACT earns a higher WallStSmart Score of 54/100 (C-).
ACT
Buy54
out of 100
Grade: C-
EIG
Buy53
out of 100
Grade: C-
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 72.3%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Conservative balance sheet, low leverage
Areas to Watch
1.7% revenue growth
2.5% revenue growth
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 0.9% — below average capital efficiency
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 72.3%.
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.
Bear Case : EIG
The primary concerns for EIG are Revenue Growth, EPS Growth, Market Cap. A P/E of 101.2x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
EIG carries more volatility with a beta of 0.51 — expect wider price swings.
EIG is growing revenue faster at 2.5% — sustainability is the question.
ACT generates stronger free cash flow (224M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACT scores higher overall (54/100 vs 53/100), backed by strong 54.5% margins. Both earn "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 within the U.S. housing sector, dedicated to enhancing homeownership accessibility and supporting sustainable housing initiatives. The company's robust capital structure and strategic partnerships allow it to adeptly navigate market complexities while fostering innovation and technological advancements. By focusing on lender capabilities and proactive risk management, Enact is strategically positioned to capitalize on growth opportunities in a dynamic real estate landscape.
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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