profit from every $100 of sales.
$0$100
Enact Holdings
$46.16-0.09% today
+22.4% in 1 year
1-year low $37.321-year high $50.07
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $9.20 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Enact Holdings sold, what it kept, and what it did with the cash.
Sales went from $1.09 billion in 2022 to $1.24 billion in 2025, with $674 million of profit last year.
SalesProfit
Enact Holdings handed back 69% of the cash it generated last year.
Buybacks $382M$121M
Free cash flow 2025$725M
Bought back its own shares$382M
Paid as dividends$121M
Cash vs. debt$582M vs. $744M
Enact Holdings vs. similar companies
Enact Holdings grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Enact Holdings | 9.2× · Cheap | ||
 Assurant | 18.2× · Fair price | ||
 Fidelity National Financial | 19.7× · Fair price | ||
 Beazley | 8.5× · Cheap | ||
 Medibank Private | 29.5× · Fair price |
AI analysis
An AI analyst reads Enact Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 1,106 | 1,118 | 1,095 | 1,154 | 1,202 | 1,236 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 370 | 547 | 704 | 666 | 688 | 674 | |
| 2.27 | 3.36 | 4.31 | 4.11 | 4.37 | 4.52 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 33.5% | 48.9% | 64.3% | 57.7% | 57.3% | 54.6% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 5,653 | 5,866 | 5,709 | 6,190 | 6,522 | 6,893 |
| Cash | 453 | 426 | 514 | 616 | 599 | 582 |
| Total debt | 738 | 740 | 743 | 745 | 743 | 744 |
| Total liabilities | 1,771 | 1,760 | 1,608 | 1,558 | 1,525 | 1,538 |
| 3,882 | 4,106 | 4,101 | 4,632 | 4,996 | 5,355 | |
| 163 | 163 | 163 | 162 | 158 | 149 | |
| 8.4% | 12.2% | 15.5% | 13.3% | 12.8% | 11.8% | |
| 9.5% | 13.3% | 17.2% | 14.4% | 13.8% | 12.6% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 704 | 572 | 561 | 632 | 686 | 725 | |
| – | – | – | – | – | – | |
| – | – | 561 | 632 | 686 | 725 | |
| Dividends paid | 437 | 200 | 251 | 213 | 112 | 121 |
| 0 | 0 | 2 | 88 | 244 | 382 | |
| 0 | 1 | 10 | 15 | 19 | 19 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 9.2×
- 9.6×
- 0.62
- 1.1×
- 5.0×
- 10.9%
- 2.0%
Profitability
- 54.6%
- 10.1%
- 12.2%
- 12.7%
- 9.7%
Growth
- +2.2%
- +14.8%
- –
- −2.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 27%of 748
Top 10%of 603
Top 22%of 873
Bottom 28%of 883
Top 18%of 933
What analysts expect
- Average price target
- $45.00
- Range
- $40.00 – $50.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 5, 2026 | 1.21 | 1.21 | +0.0% |
| Feb 3, 2026 | 1.23 | 1.09 | +12.8% |
| Nov 5, 2025 | 1.12 | 1.12 | +0.0% |
| Jul 30, 2025 | 1.15 | 1.11 | +3.6% |
| Apr 30, 2025 | 1.10 | 1.12 | −1.8% |
| Feb 4, 2025 | 1.09 | 1.02 | +6.9% |
| Jul 31, 2024 | 1.27 | 0.99 | +28.3% |
| May 1, 2024 | 1.04 | 0.96 | +8.3% |
2.0%of the share price, paid each year
On $1,000 invested$20a year at today's yield, before tax
–per share
Raised1 yearin a row, in our data
Paid per share, each year
$1.23 in 2021 → $0.82 in 2025
How safe it looks
17.9% of its profit
Room to growStretchedMore than it earns: 16.7%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
7/7Passes 7 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
84Pass
Benjamin Graham
81Pass
Philip Fisher
83Pass
Peter Lynch
73Pass
Joel Greenblatt
60Pass
Charlie Munger
74Pass
Terry Smith
67Pass
Questions about Enact Holdings
Is Enact Holdings a good stock to buy?
A strong, very profitable business, and the price looks low. 7 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Enact Holdings AI analysis
What does Enact Holdings do?
Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company is involved in writing and assuming residential mortgage guaranty insurance. It is in Insurance - Specialty, based in Raleigh, NC, United States, with 419 employees.
Does Enact Holdings pay a dividend?
Yes. At today's price the dividend is 2.0% a year, about 18% of its yearly profit. In 2025 it paid out $121 million in dividends.
Is Enact Holdings stock halal?
No. Enact Holdings does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Enact Holdings stock done over the past year?
Up 22.4% over the past twelve months, to $46.16. It traded between $37.32 and $50.07 and is 7.8% below its high.
Who are Enact Holdings's competitors?
The largest listed companies in the same industry are Assurant, Fidelity National Financial, Beazley and Medibank Private. The peers table on this page compares their profit, growth and price with Enact Holdings's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.