Enact Holdings Inc (ACT)vsFidelity National Financial Inc (FNF)
ACT
Enact Holdings Inc
$49.43
-0.14%
FINANCIAL SERVICES · Cap: $6.78B
FNF
Fidelity National Financial Inc
$44.13
+0.41%
FINANCIAL SERVICES · Cap: $11.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1125% more annual revenue ($15.35B vs $1.25B). ACT leads profitability with a 54.5% profit margin vs 5.0%. ACT trades at a lower P/E of 10.4x. FNF earns a higher WallStSmart Score of 70/100 (B-).
ACT
Buy56
out of 100
Grade: C
FNF
Strong Buy70
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.8B in free cash flow
Areas to Watch
4.1% revenue growth
5.0% margin — thin
Weak financial health signals
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 : FNF
The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.5% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
FNF carries more volatility with a beta of 0.98 — expect wider price swings.
FNF is growing revenue faster at 10.5% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FNF scores higher overall (70/100 vs 56/100) and 10.5% 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 →Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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