Enact Holdings Inc (ACT)vsEssent Group Ltd (ESNT)
ACT
Enact Holdings Inc
$49.43
-0.14%
FINANCIAL SERVICES · Cap: $6.78B
ESNT
Essent Group Ltd
$68.18
-0.23%
FINANCIAL SERVICES · Cap: $6.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 6% more annual revenue ($1.32B vs $1.25B). ACT leads profitability with a 54.5% profit margin vs 51.4%. ESNT trades at a lower P/E of 9.6x. ESNT earns a higher WallStSmart Score of 73/100 (B).
ACT
Buy56
out of 100
Grade: C
ESNT
Strong Buy73
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
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 65.7%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Areas to Watch
4.1% revenue growth
Weak financial health signals
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 : ESNT
The strongest argument for ESNT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 51.4% and operating margin at 65.7%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Key Dynamics to Monitor
ACT profiles as a value stock while ESNT is a mature play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.76 — expect wider price swings.
ESNT is growing revenue faster at 13.6% — sustainability is the question.
ESNT generates stronger free cash flow (196M), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (73/100 vs 56/100), backed by strong 51.4% margins and 13.6% 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 →Essent Group Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Essent Group Ltd., provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company is headquartered in Hamilton, Bermuda.
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