Enact Holdings Inc (ACT)vsTiptree Inc (TIPT)
ACT
Enact Holdings Inc
$40.30
-0.15%
FINANCIAL SERVICES · Cap: $5.83B
TIPT
Tiptree Inc
$16.41
+0.92%
FINANCIAL SERVICES · Cap: $720.54M
Smart Verdict
WallStSmart Research — data-driven comparison
Tiptree Inc generates 68% more annual revenue ($2.07B vs $1.24B). ACT leads profitability with a 54.6% profit margin vs 2.4%. 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
TIPT
Hold48
out of 100
Grade: D+
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
-125.6%
Fair Value
$7.82
Current Price
$16.41
$8.59 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
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
3.6% revenue growth
Weak financial health signals
Smaller company, higher risk/reward
2.4% margin — thin
Expensive relative to growth rate
Earnings declined 56.4%
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 : TIPT
The strongest argument for TIPT centers on Price/Book, P/E Ratio.
Bear Case : ACT
The primary concerns for ACT are Revenue Growth, Piotroski F-Score.
Bear Case : TIPT
The primary concerns for TIPT are Market Cap, Profit Margin, PEG Ratio. Thin 2.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
TIPT carries more volatility with a beta of 1.20 — expect wider price swings.
TIPT is growing revenue faster at 9.3% — sustainability is the question.
ACT generates stronger free cash flow (186M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACT scores higher overall (56/100 vs 48/100), backed by strong 54.6% margins. Both earn "Buy" and "Hold" 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 →Tiptree Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Tiptree Inc., underwrites and manages specialty insurance products primarily in the United States. The company is headquartered in New York, New York.
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