Enact Holdings Inc (ACT)vsRadian Group Inc (RDN)
ACT
Enact Holdings Inc
$41.79
+2.05%
FINANCIAL SERVICES · Cap: $5.92B
RDN
Radian Group Inc
$33.80
+0.60%
FINANCIAL SERVICES · Cap: $4.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Radian Group Inc generates 10% more annual revenue ($1.37B vs $1.24B). ACT leads profitability with a 54.5% profit margin vs 41.0%. RDN trades at a lower P/E of 8.1x. RDN earns a higher WallStSmart Score of 78/100 (B+).
ACT
Buy54
out of 100
Grade: C-
RDN
Strong Buy78
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 72.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 46.6%
Revenue surging 58.8% year-over-year
Safe zone — low bankruptcy risk
Areas to Watch
1.7% revenue growth
Earnings declined 9.0%
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 : RDN
The strongest argument for RDN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 41.0% and operating margin at 46.6%. Revenue growth of 58.8% demonstrates continued momentum.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth.
Bear Case : RDN
The primary concerns for RDN are EPS Growth.
Key Dynamics to Monitor
ACT profiles as a value stock while RDN is a growth play — different risk/reward profiles.
RDN carries more volatility with a beta of 0.74 — expect wider price swings.
RDN is growing revenue faster at 58.8% — sustainability is the question.
RDN generates stronger free cash flow (284M), providing more financial flexibility.
Bottom Line
RDN scores higher overall (78/100 vs 54/100), backed by strong 41.0% margins and 58.8% 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 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 →Radian Group Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Radian Group Inc. is engaged in the mortgage and real estate services business in the United States. The company is headquartered in Philadelphia, Pennsylvania.
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