Enact Holdings Inc (ACT)vsRadian Group Inc (RDN)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
RDN
Radian Group Inc
$32.97
+0.33%
FINANCIAL SERVICES · Cap: $4.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Enact Holdings Inc generates 3% more annual revenue ($1.24B vs $1.20B). ACT leads profitability with a 54.6% profit margin vs 48.7%. RDN trades at a lower P/E of 7.5x. RDN earns a higher WallStSmart Score of 76/100 (B+).
ACT
Buy56
out of 100
Grade: C
RDN
Strong Buy76
out of 100
Grade: B+
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
+74.3%
Fair Value
$133.10
Current Price
$32.97
$100.13 discount
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
Keeps 49 of every $100 in revenue as profit
Strong operational efficiency at 76.7%
Growing faster than its price suggests
Areas to Watch
3.6% revenue growth
Weak financial health signals
2.7% revenue growth
Weak financial health signals
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 : RDN
The strongest argument for RDN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 48.7% and operating margin at 76.7%. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : RDN
The primary concerns for RDN are Revenue Growth, Piotroski F-Score.
Key Dynamics to Monitor
RDN carries more volatility with a beta of 0.77 — expect wider price swings.
ACT is growing revenue faster at 3.6% — sustainability is the question.
RDN generates stronger free cash flow (406M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RDN scores higher overall (76/100 vs 56/100), backed by strong 48.7% margins. ACT offers better value entry with a 69.5% margin of safety. 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, 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 →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.
Compare with Other INSURANCE - SPECIALTY Stocks
Want to dig deeper into these stocks?