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Upturn AI SWOT - About
Enact Holdings Inc (ACT)
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Upturn Advisory Summary
04/01/2025: ACT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 7.24% | Avg. Invested days 56 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.33B USD | Price to earnings Ratio 8.05 | 1Y Target Price 38.6 |
Price to earnings Ratio 8.05 | 1Y Target Price 38.6 | ||
Volume (30-day avg) 228471 | Beta 0.59 | 52 Weeks Range 28.34 - 37.01 | Updated Date 04/2/2025 |
52 Weeks Range 28.34 - 37.01 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.10% | Basic EPS (TTM) 4.37 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 57.25% | Operating Margin (TTM) 73.08% |
Management Effectiveness
Return on Assets (TTM) 9.29% | Return on Equity (TTM) 14.29% |
Valuation
Trailing PE 8.05 | Forward PE 8.2 | Enterprise Value 5472592182 | Price to Sales(TTM) 4.43 |
Enterprise Value 5472592182 | Price to Sales(TTM) 4.43 | ||
Enterprise Value to Revenue 4.54 | Enterprise Value to EBITDA - | Shares Outstanding 151391008 | Shares Floating 28455121 |
Shares Outstanding 151391008 | Shares Floating 28455121 | ||
Percent Insiders 81.91 | Percent Institutions 19.5 |
Analyst Ratings
Rating 3.6 | Target Price 38.6 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Enact Holdings Inc
Company Overview
History and Background
Enact Holdings, Inc. was established in 2021, spun off from Genworth Financial to become a publicly traded entity. It is a leading provider of private mortgage insurance in the United States.
Core Business Areas
- Mortgage Insurance: Provides mortgage insurance products that facilitate homeownership by protecting lenders against losses from borrower defaults.
Leadership and Structure
Enact Holdings is led by a board of directors and executive team. The organizational structure is designed to support underwriting, risk management, and operational efficiency.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: Protects lenders from losses on residential mortgage loans, enabling borrowers to purchase homes with smaller down payments. Enact holds significant market share; however, precise figures fluctuate. Competitors include MGIC (MTG), Radian (RDN), and National Mortgage (NMIH).
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by housing market trends, interest rates, and economic conditions. Demand fluctuates with mortgage origination volume and credit risk.
Positioning
Enact Holdings is a well-established player in the private mortgage insurance industry, known for its risk management expertise. Its competitive advantage lies in strong underwriting practices and efficient capital management.
Total Addressable Market (TAM)
The TAM for mortgage insurance is driven by the volume of new mortgages originated each year and existing mortgages that require insurance. This fluctuates based on broader macroeconomic factors. Enact is positioned to capture a portion of this TAM through its market share and underwriting standards.
Upturn SWOT Analysis
Strengths
- Strong underwriting performance
- Efficient capital management
- Experienced management team
- Established market presence
Weaknesses
- Reliance on housing market conditions
- Sensitivity to interest rate fluctuations
- Susceptible to regulatory changes
- Limited product diversification
Opportunities
- Expansion into underserved markets
- Development of new mortgage insurance products
- Strategic partnerships with lenders
- Leveraging technology for operational efficiency
Threats
- Increased competition from other mortgage insurers
- Economic downturns leading to higher default rates
- Changes in government regulations impacting the mortgage market
- Rising interest rates reducing mortgage origination volume
Competitors and Market Share
Key Competitors
- MGIC Investment Corp (MTG)
- Radian Group Inc (RDN)
- National Mortgage Insurance Holdings Inc (NMIH)
Competitive Landscape
Enact competes with other mortgage insurers based on pricing, underwriting standards, and customer service. Enact's strength lies in its risk management capabilities.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Enact's growth has been correlated with the strength of the housing market and mortgage originations.
Future Projections: Analyst projections vary, but generally anticipate continued growth in line with housing market trends. These can change so must be confirmed.
Recent Initiatives: Enact has been focused on improving underwriting processes and expanding its partnerships with lenders.
Summary
Enact Holdings is a solid player in the mortgage insurance market, benefiting from a strong housing market and prudent risk management. The company's reliance on the housing sector and susceptibility to interest rate hikes are potential concerns. Its competitive position and experienced management team support continued success. Watch out for regulatory changes to mortgage rules.
Similar Companies
MTG
MGIC Investment Corp
MTG
MGIC Investment Corp
NMIH
NMI Holdings Inc
NMIH
NMI Holdings Inc
RDN
Radian Group Inc
RDN
Radian Group Inc
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Enact Holdings Inc
Exchange NASDAQ | Headquaters Raleigh, NC, United States | ||
IPO Launch date 2021-09-16 | President, CEO & Director Mr. Rohit Gupta | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 421 | Website https://enactmi.com |
Full time employees 421 | Website https://enactmi.com | ||
Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company engages in writing and assuming residential mortgage guaranty insurance. It also offers private mortgage insurance products primarily insuring prime-based, individually underwritten residential mortgage loans; contract underwriting services for mortgage lenders; and mortgage-related reinsurance products. The company primarily serves originators of residential mortgage loans. The company was formerly known as Genworth Mortgage Holdings, Inc. and changed its name to Enact Holdings, Inc. in May 2021. Enact Holdings, Inc. was founded in 1981 and is headquartered in Raleigh, North Carolina. Enact Holdings, Inc. is a subsidiary of Genworth Holdings Inc.
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