Enact Holdings Inc (ACT)vsRyan Specialty Group Holdings Inc (RYAN)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
RYAN
Ryan Specialty Group Holdings Inc
$33.50
-0.06%
FINANCIAL SERVICES · Cap: $8.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 142% more annual revenue ($2.99B vs $1.24B). ACT leads profitability with a 54.6% profit margin vs 2.1%. ACT trades at a lower P/E of 8.9x. ACT earns a higher WallStSmart Score of 56/100 (C).
ACT
Buy56
out of 100
Grade: C
RYAN
Buy54
out of 100
Grade: C-
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
-95.7%
Fair Value
$22.00
Current Price
$33.50
$11.50 premium
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
Earnings expanding 110.1% YoY
Areas to Watch
3.6% revenue growth
Weak financial health signals
2.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Distress zone — elevated risk
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 : RYAN
The strongest argument for RYAN centers on EPS Growth. Revenue growth of 13.6% 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 Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 71.3x leaves little room for execution misses. Debt-to-equity of 5.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
RYAN carries more volatility with a beta of 0.65 — expect wider price swings.
RYAN is growing revenue faster at 13.6% — sustainability is the question.
RYAN generates stronger free cash flow (246M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACT scores higher overall (56/100 vs 54/100), backed by strong 54.6% margins. 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 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 →Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, focused on delivering innovative risk management services across diverse sectors. The company leverages a vast network of insurance wholesale operations and underwriting expertise to meet the complex needs of its clients, backed by strong relationships with insurers and distribution channels. By integrating advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client results, positioning itself as a key player in the evolving insurance landscape. With a commitment to strategic growth initiatives, the company is poised to create sustainable shareholder value in a dynamic market.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
Want to dig deeper into these stocks?