Enact Holdings Inc (ACT)vsJames River Group Holdings Ltd (JRVR)
ACT
Enact Holdings Inc
$48.45
-0.06%
FINANCIAL SERVICES · Cap: $6.78B
JRVR
James River Group Holdings Ltd
$3.69
-2.64%
FINANCIAL SERVICES · Cap: $182.18M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 92% more annual revenue ($1.25B vs $653.21M). ACT leads profitability with a 54.5% profit margin vs 4.7%. JRVR 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
JRVR
Hold50
out of 100
Grade: D+
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
Earnings expanding 57.2% YoY
Areas to Watch
4.1% revenue growth
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
4.7% margin — thin
Revenue declined 7.7%
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 : JRVR
The strongest argument for JRVR centers on P/E Ratio, Price/Book, EPS Growth.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin. Thin 4.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACT carries more volatility with a beta of 0.46 — expect wider price swings.
ACT is growing revenue faster at 4.1% — 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
ACT scores higher overall (56/100 vs 50/100), backed by strong 54.5% 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 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 →James River Group Holdings Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
James River Group Holdings, Ltd., offers specialized insurance and reinsurance services in the United States. The company is headquartered in Pembroke, Bermuda.
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