ACT

🏦 Financial Services

Enact Holdings, Inc.

Conservative #39Aggressive #381Low Risk

$41.43-0.36%

Day High$41.80

Day Low$41.21

Volume0.4M

Mkt Cap$6.0B

52W Low $3152W High $45

Market Cap

$6.0B

P/E Ratio

8.9

Sector avg: 13.0

Rev Growth

2.4%

Sector avg: 9.5%

Earnings Growth

-2.0%

Profit Margin

54.6%

Sector avg: 36.3%

Debt/Equity

0.14

Score Breakdown

Overall Score80.3

Fundamental Score83.6

ML Score75.5

Score by Horizon

3 Month

75.8

6 Month

84.7

Primary

1 Year

89.2

Quality Assessment

Earnings Grade

Solid fundamentals with minor quality concerns

Quality Flags

High accrual ratio (20.2%) — earnings quality concern

False stability: 0.050 vol with only 2.4% revenue growth — stagnation, not safety

Position Sizing

Suggested Allocation

Confidence

high

Analysis Signals

Positive Signals

Fundamental: 83.6 (sector-relative)

ML percentile=75.5 (pre-ranked by batch)

Procyclicality dampener: ML weight reduced to 9.0% (S&P 500 return=25.0% > 20% (extended rally); Yield curve inverted (-10bp) — recession signal; Late-cycle score 2/3 → ML weight ×0.90)

Blend: 91% fund (83.6) + 9% ML (75.5) = 82.9

Market-cap adj: +0.5pt ($6.0B)

Risk Signals

Risk (low): Very low vol 5.0% → +12.0pt stability bonus

Quality: grade=B, penalty=-15

Flags: High accrual ratio (20.2%) — earnings quality concern; False stability: 0.1 vol with only 2.4% revenue growth — stagnation, not safety

Sector Peer Comparison(Financial Services — 11 stocks in universe)

Stock	Score	P/E	Rev Growth	Margin	Mkt Cap
ACTEnact Holdings, Inc.	80.3	8.9	2.4%	54.6%	$6.0B
TROWT. Rowe Price Group, Inc.	97.2	10.1	3.1%	28.5%	$20.5B
ACGLArch Capital Group Ltd.	93.9	8.3	14.7%	22.8%	$35.7B
CINFCincinnati Financial Corporation	92.9	10.7	11.4%	18.9%	$25.4B
OZKBank OZK	82.9	7.7	1.1%	25.5%	$5.6B
NMIHNMI Holdings, Inc.	80.0	7.7	8.4%	55.1%	$3.0B
Sector Average	83.7	13.0	9.5%	36.3%	—

Why This Stock

Financial ServicesReasonable P/EHealthy profit marginHigh quality

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.