Enact Holdings Inc (ACT)vsJames River Group Holdings Ltd (JRVR)
ACT
Enact Holdings Inc
$41.79
+2.05%
FINANCIAL SERVICES · Cap: $5.92B
JRVR
James River Group Holdings Ltd
$3.83
-4.49%
FINANCIAL SERVICES · Cap: $182.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 86% more annual revenue ($1.24B vs $666.71M). ACT leads profitability with a 54.5% profit margin vs 4.3%. 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-
JRVR
Hold38
out of 100
Grade: F
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
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
1.7% revenue growth
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
4.3% margin — thin
Revenue declined 12.1%
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 : JRVR
The strongest argument for JRVR centers on P/E Ratio, Price/Book.
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 4.3% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACT carries more volatility with a beta of 0.48 — expect wider price swings.
ACT is growing revenue faster at 1.7% — 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 38/100), 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 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 →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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