Yahoo Finance report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Why ACT Stock surged +2.06% Today — RQD Quant Desk Flash
Enact Holdings Inc. (ACT) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
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Is ACT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Enact Holdings Inc. (NASDAQ: ACT) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $48.15 (+2.06% 1D, market cap $6.49B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ACT ranks #128 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does ACT compare to FAF and HGTY in the Financials sector?
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Within the Financials sector (Specialty Insurers), ACT carries a Roarable C+ (69/100 RQD), trailing P/E of 9.8x, gross margin of —, and ROIC of 12.6%. By comparison, FAF (First American Corporation) holds a C- grade (60/100 RQD, P/E 10.5x, ROIC 7.0%, cap $6.52B) and HGTY (Hagerty Inc. (Class A)) posts a B grade (75/100 RQD, P/E 37.5x, ROIC 67.4%, cap $5.64B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while HGTY leads on capital efficiency (67.4% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for ACT?
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Per ACT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001823529), Enact Holdings Inc. generated $1.24B in revenue (+2.8% YoY), $674.2M in net income, and $724.5M in free cash flow against $6.89B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
FRED Regime × Technicals: 84% of 52W Range • RSI-14 at 50.7 (NEUTRAL RANGE)
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
⚔️ Adversarial Opposing Case: Why the ACT Bull Thesis Could Fail
Even with a 69/100 (C+) score, ACT faces multiple-compression risk if 9.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($47.47) or 200D SMA ($44.42) invalidates the momentum regime and cuts Target Base ($50.53) toward Bear Floor ($39.41).
Why ACT Stock surged +2.06% Today — RQD Quant Desk Flash
Enact Holdings Inc. (ACT) surged +2.06% to $48.15, trading at 84% of its 52-week range ($35.44 – $50.56). Solid steady margins (13% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 84% of its 52-week range ($35.44 – $50.56) with RSI-14 at 50.7 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.7% around $48.15 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $724.5M annual free cash flow.
Investing.com report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Enact Holdings reported that director Thomas J. McInerney intends to step down from the Board and Compensation Committee at the end of 2026, while a new White House housing policy direction raises regulatory questions fo
BofA Securities put Enact Holdings (ACT) in the spotlight after cutting its rating, pointing to fresh policy risks linked to a White House housing order and potential implications for private mortgage insurers. Enact Hol
Scheduled RQD Strong Buys & Whale Accumulation Briefing (ACT Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
ACT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +2.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ACT today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ACT. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ACT)
1. Head-to-Head Financials Peer Comparison (ACT vs. FAF, HGTY, BWIN, ARX)
Industry: Specialty Insurers (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Enact Holdings Inc. (ACT) ranks #128 by composite RQD confidence (69/100, grade C+) and #233 by equity capitalization ($6.49B). Within this direct 5-issuer industry benchmark cohort, ACT leads on earnings valuation at 9.8x trailing P/E, while HGTY leads on capital efficiency and profitability with 67.4% ROIC and — gross margin. HGTY currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with ACT at 69/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| ACT
ACTIVE
Enact Holdings Inc. | C+ | 69/100 | 9.8x | — | 12.6% | +2.06% | $6.49B | Benchmark Subject |
| FAF First American Corporation | C- | 60/100 | 10.5x | — | 7.0% | +3.67% | $6.52B | /faf-vs-act → |
| HGTY Hagerty Inc. (Class A) | B | 75/100 | 37.5x | — | 67.4% | +1.99% | $5.64B | /hgty-vs-act → |
| BWIN The Baldwin Insurance Group Inc. | D | 48/100 | — | — | 3.6% | -0.03% | $4.45B | /bwin-vs-act → |
| ARX Accelerant Holdings (Class A) | C | 64/100 | — | — | — | -0.05% | $4.30B | /arx-vs-act → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001823529In its most recent audited fiscal period (FY2025, filed 2025-12-31), Enact Holdings Inc. (ACT) reported GAAP revenue of $1.24B (+2.8% vs. FY2024 revenue of $1.20B , and +7.1% cumulative change since FY2023) , GAAP net income of $674.2M, operating cash flow of $724.5M, and free cash flow of $724.5M (+5.6% YoY). On the balance sheet, ACT closed FY2025 with $6.89B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.24B | $674.2M | $724.5M | $724.5M | $6.89B | — |
| FY2024 (FY) | 2024-12-31 | $1.20B | $688.1M | $686.3M | $686.3M | $6.52B | — |
| FY2023 (FY) | 2023-12-31 | $1.15B | $665.5M | $632.0M | $632.0M | — | — |
3. ACT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs ACT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Enact Holdings Inc. (NASDAQ: ACT) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $48.15 (+2.06% 1D, market cap $6.49B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ACT ranks #128 in composite RQD confidence.
How does ACT compare to FAF and HGTY in the Financials sector?
Within the Financials sector (Specialty Insurers), ACT carries a Roarable C+ (69/100 RQD), trailing P/E of 9.8x, gross margin of —, and ROIC of 12.6%. By comparison, FAF (First American Corporation) holds a C- grade (60/100 RQD, P/E 10.5x, ROIC 7.0%, cap $6.52B) and HGTY (Hagerty Inc. (Class A)) posts a B grade (75/100 RQD, P/E 37.5x, ROIC 67.4%, cap $5.64B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while HGTY leads on capital efficiency (67.4% ROIC).
What are the biggest fundamental strengths and SEC risk factors for ACT?
Per ACT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001823529), Enact Holdings Inc. generated $1.24B in revenue (+2.8% YoY), $674.2M in net income, and $724.5M in free cash flow against $6.89B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is ACT trading relative to its 50-day, 200-day, and 52-week technical levels?
ACT last traded at $48.15 (+2.06% on volume of 389,027 shares), positioning the stock +1.43% above its 50-day simple moving average ($47.47) and +8.40% above its 200-day simple moving average ($44.42). Across its 52-week range of $35.44 to $50.56, ACT sits at the 84.1% percentile with a 14-day RSI of 50.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($45.89 to $50.41).
ACT — Enact Holdings Inc.: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
Enact Holdings Inc. (ACT) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $48.15 (+2.06% 1D, market capitalization $6.49B).
- Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 12.6%, gross margin of —, operating margin of —, and free cash flow yield of 10.97%.
- Whale 13F & Options Flow (10/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (15/20) + Forensic Balance Sheet (17/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
Enact Holdings Inc. Is a NASDAQ-listed issuer classified in the Financials sector and Specialty Insurers industry,. Reported revenue, net income, and free cash flow are presented in the Financial Trend section.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Enact Holdings Inc. (ACT) reported $1.24B in annual revenue (up from $1.20B in FY2024, +2.8% YoY) and $674.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.15B revenue, $665.5M net income) through FY2025, ACT scaled operating cash flow to $724.5M and free cash flow to $724.5M, backed by $6.89B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (C+ • RQD 69/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 10.97% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $35.44 – $50.56 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 9.8x trailing P/E against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
There are no upstream or downstream links and no proprietary signals recorded for ACT.
- Key Question #1: Can ACT sustain or expand its — operating margin and 12.6% ROIC against Specialty Insurers peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $1.24B and free cash flow of $724.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is ACT's 9.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
ACT Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Enact Holdings Inc. (ACT) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Enact Holdings Inc. (ACT) market action, institutional positioning, and fundamental catalysts.
ACT Bull vs. Bear Conversation Board — What's Your Call at $48.15?
Insider Conviction scores 17/20, the strongest RQD pillar, and FCF yield of 10.97% with P/E of 9.8 signals cash generation at a low val
The street is overcomplicating Enact Holdings Inc. (ACT). Insider Conviction scores 17/20, the strongest RQD pillar, and FCF yield of 10.97% with P/E of 9.8 signals cash generation at a low valuation.. With an RQD score of 69/100 (C+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $50.95.
@MacroHawk_NYC Agree on the RQD 69/100 quality, though with 1.0 beta I'm scaling in with half-size at $47.18 and keeping dry powder in case we test $43.88.
A J.P. Morgan cut to Underweight on premium valuation and a TradingView price target of $47.2 imply limited upside from the $48.06 pric
Sitting on the sidelines or leaning short ACT above $47.18. A J.P. Morgan cut to Underweight on premium valuation and a TradingView price target of $47.2 imply limited upside from the $48.06 price.. Until Fundamental Cash Engine (14/20) and FCF yield (10.97%) inflect higher, upside is capped near $50.56.