Enact Holdings Inc (ACT)vsRyan Specialty Group Holdings Inc (RYAN)
ACT
Enact Holdings Inc
$44.04
+1.90%
FINANCIAL SERVICES · Cap: $6.03B
RYAN
Ryan Specialty Group Holdings Inc
$31.31
-1.26%
FINANCIAL SERVICES · Cap: $7.76B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 150% more annual revenue ($3.10B vs $1.24B). ACT leads profitability with a 54.5% profit margin vs 3.5%. ACT trades at a lower P/E of 9.4x. RYAN earns a higher WallStSmart Score of 56/100 (C).
ACT
Buy54
out of 100
Grade: C-
RYAN
Buy56
out of 100
Grade: C
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
Earnings expanding 110.1% YoY
Every $100 of equity generates 23 in profit
15.8% revenue growth
Areas to Watch
1.7% revenue growth
Weak financial health signals
Premium valuation, high expectations priced in
3.5% margin — thin
Weak financial health signals
Negative free cash flow — burning cash
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 : RYAN
The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : RYAN
The primary concerns for RYAN are P/E Ratio, Profit Margin, Piotroski F-Score. Debt-to-equity of 5.68 is elevated, increasing financial risk. Thin 3.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACT profiles as a value stock while RYAN is a growth play — different risk/reward profiles.
RYAN carries more volatility with a beta of 0.68 — expect wider price swings.
RYAN is growing revenue faster at 15.8% — sustainability is the question.
ACT generates stronger free cash flow (224M), providing more financial flexibility.
Bottom Line
RYAN scores higher overall (56/100 vs 54/100) and 15.8% revenue growth. 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 premier provider of private mortgage insurance and risk management solutions, focusing on the U.S. housing sector. The company plays a critical role in facilitating homeownership and promoting sustainable housing initiatives, utilizing its strong capital position and strategic alliances to navigate market complexities. With a commitment to innovation and technological advancement, Enact is well-equipped to adapt to industry dynamics, positioning itself to seize growth opportunities while enhancing lender capabilities and effectively managing risk exposure.
Visit Website →Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a prominent provider of specialty insurance solutions, dedicated to delivering innovative risk management services across various sectors. Utilizing its extensive network of insurance wholesale operations and underwriting expertise, the company effectively addresses the complex needs of its clients while fostering strong partnerships with insurers and distribution channels. By harnessing advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client outcomes, solidifying its position as a vital entity in the evolving insurance landscape. With a strong focus on strategic growth initiatives, the company is well-positioned to generate sustainable shareholder value in a competitive market.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
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