Enact Holdings Inc (ACT)vsRadian Group Inc (RDN)
ACT
Enact Holdings Inc
$48.34
+0.77%
FINANCIAL SERVICES · Cap: $6.49B
RDN
Radian Group Inc
$39.71
+1.12%
FINANCIAL SERVICES · Cap: $5.17B
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 9.2x. RDN earns a higher WallStSmart Score of 75/100 (B+).
ACT
Buy54
out of 100
Grade: C-
RDN
Strong Buy75
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 0.72 — 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 (75/100 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 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 →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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