Enact Holdings

ACT

Insurance - Property & Casualty · Financial Services

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Good

Cash Flow

Exceptional

Stability

Good

Valuation

Good

Dividends

Good

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Winston Score History

The full picture

Enact Holdings is a private mortgage insurance (PMI) company based in the United States. It sells insurance policies that protect mortgage lenders when homebuyers put down less than 20% on a home purchase. Its main customers are banks, credit unions, and other mortgage lenders, and it operates almost entirely within the U.S. residential housing market.

Enact makes money by collecting premiums from lenders and borrowers in exchange for covering potential losses if a homeowner defaults on their mortgage. The company is one of the largest private mortgage insurers in the U.S. and is majority-owned by Genworth Financial. Its competitive position benefits from long-standing lender relationships and the specialized, regulated nature of the PMI industry, which limits new competition. The key risk Enact faces is a rise in mortgage defaults, which tends to happen during economic downturns or when home prices fall sharply — either scenario could significantly increase the claims it must pay out.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.2% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+11.6% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

80.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$6.6B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Enact Holdings is growing revenue at 4% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

0.0%

Thin — 0.0% gross margin

Profit after running costs

Operating Margin

55.9%

Excellent — 55.9% operating margin

Return on the money invested

ROCE

15.3%

Strong — 15.3% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth

Sales YoY

+2.4%

Nearly flat sales (+2.4% YoY)

Profit growth

EPS YoY

+7.7%

Modest earnings growth (+7.7% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

106%

Turns 106% of profit into real cash

Spare cash per sale

FCF Margin

57.6%

Converts sales into free cash efficiently (57.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

16.40x

Comfortably covers interest (16.4x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

10.3x

no trend

Attractive valuation — P/E 10.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+0.0

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

1.78%

no trend

Small dividend — 1.78% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+13.9%

no trend

Dividend growing fast (13.9% YoY)

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