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Enact Holdings Inc. (ACT) Options Positioning, Max Pain & Unusual Sweeps

$48.15 +2.06% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $48.24

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.

ROARABLE C+ • HOLD / WATCH Cap $6.49B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ACT Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) 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, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, ACT ranks #129 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 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).

✓ Pre-computed one-to-many AI Quant brief
🤖 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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $48.24 (+0.18%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 58.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-
Cash (14)Whales (10)SEC (13)Macro (15)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+4.9% Base Target
$60 Bull$51 Base$39 Bear
📬 FREE ACT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ACT)Realized 20D OHLCV Swing Band: ±4.7%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY ACT SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)

FRED Regime × Technicals: 84% of 52W Range • RSI-14 at 50.7 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$44.93+4.3% Next Q
Q2 (-2Q)
64
Grade C+$46.85+2.6% Next Q
Q3 (-1Q)
66
Grade B-$48.07+0.2% Next Q
Current
69
Grade C+$48.15+2% Hist 90D α
Trajectory: C (61) → C+ (69)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ACT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

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).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ACT• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “ACT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 69%NO 31%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±4.7%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (ACT)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for ACT.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating ACT & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on ACT
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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ACT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.56%⚡ TESTING RESISTANCE
2026-11-03O $48.06H $48.15L $47.18C $48.15VOL 363.6K
RES: $48.43SUP: $42.43SMA50: $47.47SMA200: $44.42
$51.36$48.05$44.73$41.42$38.10RES $48.43SUP $42.43$48.152026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ACT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ACT Butterfly Map → + Track ACT →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-1.6%/yr Implied 5Y Growth

vs. +2.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ACT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ACT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ACT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ACT)

Financials Rank #129 of 1097 ⚔️ FAF vs ACT Full Matrix →

1. Head-to-Head Financials Peer Comparison (ACT vs. FAF, HGTY, BWIN, ARX)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Enact Holdings Inc. (ACT) ranks #129 by composite RQD confidence (69/100, grade C+) and #234 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 0001823529 ↗

In 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 ENABLED

Is 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, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, ACT ranks #129 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).

Direct Sub-Reports: ACT RQD Cockpit ACT 12M Forecast ACT Earnings & Move ACT Dividends & DRIP ACT Insiders & 13F ACT Whale Options ACT Profit Sankey ACT News & Why
ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

ACT — Enact Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

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 (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): 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

💬 Jump to ACT Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ACT Bull vs. Bear Conversation Board — What's Your Call at $48.15?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ACT 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ACT:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $55.20 (+17.0%)
📌 Pinned Debate

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.

SectorRotator 🐂 BULL

@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.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $37.27 (-21.0%)
Spot @ $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 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.

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