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ACT

Enact Holdings Inc
Chart
44.75 USD
Latest Week 2026-07-10
Financial ServicesInsurance - SpecialtyMID
Snapshot 2026-07-12 · 0.7w · Fresh
0.97
OS Score
90.0%
Value
91.0%
Quality
81.0%
Momentum
7/9
F-Score
0.905
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
11 of 23 passing
★
OS Composite
OS 0.970
↗
Trending Value
✗
◆
Quality × Value
QV 0.905
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 9.2
◇
VC2 Cheapest
✗
📐
EBITDA/EV
14.1%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
8.5%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 25%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 20%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.81
⚡
Risk-Adj Momentum
RAM 1.21
V
Value Analysis
Cheapness relative to fundamentals
90.0%ile
P/E
9.2×
P/S
5.0×
P/B
1.2×
E/P
0.1353
FCF Yield
0.112
EBITDA/EV
0.141
SH Yield
0.085
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
17.00000000
/100 — 1=cheapest
VC2 (Trending Value)
12.00000000
/100
VC3 (Buyback)
15.00000000
/100
P/E of 9.2x places this firmly in deep value territory. FCF yield of 11.2% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
91.0%ile
ROE
0.127
ROA
0.097
Net Margin
0.546
Op Margin
0.703
GPA
0.146
D/E
0.30
Current
7.00
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.018
Earn Growth
-0.024
Stability
0.048
lower=better
Accruals
-0.007
lower=better
5yr Consist
Yes
Conservative balance sheet with D/E of 0.30.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
81.0%ile
6M Return
11.6%
12M Return
31.5%
12-1 Mom
24.6%
Risk-Adj
1.21
Vol 252d
20.4%
Vol 60d
43.6%
↑ Expanding
Max DD 12M
-9.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 25% is very strong — a clear uptrend. Near-term vol (44%) is expanding vs long-term (20%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.97
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
75.6%
Sector Quality %ile
90.4%
P/E z-score
-0.26
P/B z-score
-0.08
Sector Avg OS
85.7%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 89.0% 81.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 87.0% 97.0%
CARE Carter Bank and Trust 99.0% 96.0% 95.0% 92.0%
RILY BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 92.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 86.0%
IX Orix Corp Ads 98.0% 98.0% 82.0% 85.0%
UVE Universal Insurance Holdings Inc 98.0% 96.0% 85.0% 85.0%
MRX Marex Group plc Ordinary Shares 98.0% 92.0% 80.0% 92.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (90th) and quality (91th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (90th value) with strong momentum (81th). The market is starting to recognise the value.
Strong Capital Return
Shareholder yield 8.5% backed by 11.2% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (44%) significantly exceeds 252-day (20%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
86.4% avg (7 factors)
Quality
B
71.1% avg (8 factors)
Momentum
B
60.4% avg (4 factors)
Risk
A
82.7% avg (1 factors)
This stock sits in the O'Shaughnessy sweet spot — cheap AND high quality. Historically, this combination has generated the strongest long-term returns.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends6 snapshots
Factor Persistence6 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.970—6—
Value %ile0.900—6—
Quality %ile0.910—6—
Momentum %ile0.810—1—
F-Score7.000—6—
Confidence0.980—6—
Volatility0.204—0—
Value Lens2021-07-13 → 2026-07-12
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
9.24
Earnings Yield (E/P)
0.1353
Price / Sales
5.04
Price / Book
1.17
Price / Cash Flow
8.65
FCF Yield
11.2%
EBITDA / EV
14.1%
Sales Yield (1/P·S)
0.1924
Shareholder Yield
Div + net buyback / mktcap
8.5%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
12.7%
Return on Assets
9.7%
Net Margin
54.6%
Operating Margin
70.3%
Gross Profit / Assets
Novy-Marx GPA
14.6%
Debt / Equity
0.30
Current Ratio
7.00
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.007
MomentumPrice trend strength over different horizons
6M Return
11.6%
12M Return
31.5%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
24.6%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.21
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
1.8%
Earnings Growth (YoY)
-2.4%
Earnings Stability (CV)
Lower = more stable
0.048
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
1.9%
Buyback Yield
6.6%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
17
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
12
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
15
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity