Enact Holdings, Inc. (ACT)
NASDAQFinancialsInsurance - SpecialtySnapshot 2026-11-05
$47.77-0.97%
Close 2026-11-05 · 1-day change
NASDAQFinancialsInsurance - SpecialtySnapshot 2026-11-05
QuarterlyIQ Insights · ACT
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -27.0% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 2.1% |
Growth built into the price is above our model estimate.
The price assumes 29.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 5 industry peers · Company calendar date is not available
ACT — earnings miss
Dated 2026-11-04
of this Current Report on Form 8-K shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in any such filing. Item 9.01 | Financial Statements and Exhibits. The following materials are furnished as exhibits to this Current Report on Form 8-K: Exhibit Number 99.1 | Press Release dated November 4, 2026 - Financial results 99.2 |…
Why it matters: New insurance written rose to $15B in Q2. Another rise would show that growth is continuing.
Supportive ifQ3 2026 new insurance written exceeds Q2's $15B.
Worry ifQ3 2026 new insurance written is $13B or lower, below Q2's $15B and near Q1's $13B.
Why it matters: PMIERs sufficiency was 161% in Q2, down from 165% a year earlier. A further drop would reduce the capital cushion.
Worry ifQ3 PMIERs sufficiency falls below 160%.
Less concerning ifQ3 PMIERs sufficiency stays at or above 161%.
Why it matters: Q2 losses were $33M, while reserve releases helped keep losses down. A rise could point to weaker credit results.
Worry ifQ3 losses incurred exceed $37M, above both Q2's $33M and Q1's $37M only if greater than $37M.
Less concerning ifQ3 losses incurred are $33M or lower, matching or improving on Q2.
Why it matters: A director resigned on October 30. A named replacement or another board exit would show if the change is isolated.
Watch forEnact names a new director and reports no further board exits.
Also watch forEnact reports another director leaving or keeps the board seat open in its next filing.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$81 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $189 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,360 loss on $10,000 · 13.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.