Enact Holdings Inc (ACT)vsJames River Group Holdings Ltd (JRVR)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
JRVR
James River Group Holdings Ltd
$6.18
-0.80%
FINANCIAL SERVICES · Cap: $282.25M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 80% more annual revenue ($1.24B vs $687.61M). ACT leads profitability with a 54.6% profit margin vs 6.9%. JRVR trades at a lower P/E of 7.4x. JRVR earns a higher WallStSmart Score of 58/100 (C).
ACT
Buy56
out of 100
Grade: C
JRVR
Buy58
out of 100
Grade: C
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
-16.8%
Fair Value
$5.64
Current Price
$6.18
$0.54 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
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 32.4% year-over-year
Areas to Watch
3.6% revenue growth
Weak financial health signals
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
6.9% margin — thin
Earnings declined 53.3%
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 : JRVR
The strongest argument for JRVR centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 32.4% demonstrates continued momentum.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin.
Key Dynamics to Monitor
ACT profiles as a value stock while JRVR is a hypergrowth play — different risk/reward profiles.
ACT carries more volatility with a beta of 0.51 — expect wider price swings.
JRVR is growing revenue faster at 32.4% — sustainability is the question.
ACT generates stronger free cash flow (186M), providing more financial flexibility.
Bottom Line
JRVR scores higher overall (58/100 vs 56/100) and 32.4% revenue growth. ACT offers better value entry with a 69.5% margin of safety. 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, 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 →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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