Enact Holdings, Inc. (ACT) Stock Analysis
Range Bound setup
Financial Services · Insurance - Specialty
Hold if already holding. Not a fresh buy at $44.08, but acceptable to hold if already in. Reasons: Concentration risk — Regulatory: PMIERs/GSE eligibility; Analyst target reached - limited upside remaining.
Enact Holdings is a leading private mortgage insurer writing residential mortgage guaranty insurance in all 50 states, with $51.5B in new insurance written in 2025 across ~1,600 lender customers. Revenue comes from premiums on its primary insurance in-force portfolio; largest... Read more
Hold if already holding. Not a fresh buy at $44.08, but acceptable to hold if already in. Reasons: Concentration risk — Regulatory: PMIERs/GSE eligibility; Analyst target reached - limited upside remaining. Chart setup: RSI 41 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.5/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 70d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Recent Developments — Enact Holdings, Inc.
Latest news
- Enact Holdings reaches 80-plus relative strength rating benchmark - MSN — MSN positive
- ACT vs. AEG: Which Stock Is the Better Value Option? - Yahoo Finance — Yahoo Finance neutral
- BofA Securities Maintains Enact Holdings(ACT.US) With Buy Rating, Raises Target Price to $49 - 富途牛牛 — 富途牛牛 positive
- Enact Holdings (ACT) Upgraded to Buy: Here's Why - Yahoo Finance — Yahoo Finance positive
- BofA cuts Enact Holdings stock price target on higher losses - Investing.com — Investing.com negative
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- LOWCustomerlargest customer12%10-K Item 1: 'Our largest customer accounted for 22% of total NIW and 12% of our total revenues for the year ended December 31, 2025'
- LOWGeographicCalifornia12%10-K Item 1: 'our largest state concentration was in California, which represented 12% of primary RIF'
- HIGHregulatoryPMIERs/GSE eligibility10-K Item 1A: 'If we are unable to continue to meet the requirements mandated by PMIERs...we may not be eligible to write new insurance on loans acquired by the GSEs, which would have a material adverse effect'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $44.08, but acceptable to hold if already in. Reasons: Concentration risk — Regulatory: PMIERs/GSE eligibility; Analyst target reached - limited upside remaining. Chart setup: RSI 41 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $43.63 (-1.0%), stop $40.62 (−8.5%), A.R:R -1.8:1. Score 5.5/10, moderate confidence.
Take-profit target: $43.63 (+1.8% upside). Target $43.63 (-1.0%), stop $40.62 (−8.5%), A.R:R -1.8:1. Stop-loss: $40.62.
Concentration risk — Regulatory: PMIERs/GSE eligibility; Analyst target reached - limited upside remaining; Near 52-week high (4.4% away).
Enact Holdings, Inc. trades at a P/E of 9.3 (forward 8.6). TrendMatrix value score: 7.4/10. Verdict: Hold.
9 analysts cover ACT with a consensus score of 3.7/5. Average price target: $46.
What does Enact Holdings, Inc. do?Enact Holdings is a leading private mortgage insurer writing residential mortgage guaranty insurance in all 50 states,...
Enact Holdings is a leading private mortgage insurer writing residential mortgage guaranty insurance in all 50 states, with $51.5B in new insurance written in 2025 across ~1,600 lender customers. Revenue comes from premiums on its primary insurance in-force portfolio; largest customer represents 22% of NIW and 12% of revenues. GSE/PMIERs eligibility is essential to the business model.