Enact Holdings, Inc. (ACT)
NASDAQFinancialsInsurance - SpecialtySnapshot 2026-09-04
$49.27-0.48%
Close 2026-09-04 · 1-day change
NASDAQFinancialsInsurance - SpecialtySnapshot 2026-09-04
QuarterlyIQ Insights · ACT
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $49 ACT trades at 1.3× p/b, below its 1.3× p/b peer median. Our $67 fair value sits well above the price. It's a high-confidence read. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $140.82 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $144.02 | — | — | Hist. CAGR | high |
| graham number | 12M | $64.58 | — | — | TTM | high |
| Peer P/B | 12M | $51.55 | 1.3 | 38.45 | TTM | high |
| Peer P/FCF | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Richer than its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $56.83 |
| 11.1 |
| 5.14 |
| TTM |
| high |
| Peer P/E | 12M | $55.27 | 11.2 | 4.96 | ntm analyst | high |
| Peer P/S | 12M | $25.71 | 2.9 | 8.93 | TTM | high |
| PEG | 12M | $30.05 | 6.2 | 4.82 | TTM | high |
| residual income | 12M | $45.88 | — | — | TTM | high |
| Own P/E history | 12M | $44.14 | 9.2 | 4.82 | TTM | high |
| triangulated | 12M | $57.70 | 12.4 | 4.65 | Triangulated | high |
| Peer P/B | 3Y | $63.56 | 1.3 | 47.41 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $75.94 | 11.1 | 6.86 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $58.38 | 11.2 | 5.24 | Analyst | medium |
| Peer P/S | 3Y | $26.91 | 2.9 | 9.35 | Analyst | medium |
| PEG | 3Y | $32.64 | 6.2 | 5.24 | Analyst | medium |
| Own P/E history | 3Y | $47.94 | 9.2 | 5.24 | Analyst | medium |
| Peer P/B | 5Y | $73.09 | 1.3 | 54.52 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $92.13 | 11.1 | 8.33 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $60.14 | 11.2 | 5.39 | Analyst | high |
| Peer P/S | 5Y | $27.72 | 2.9 | 9.63 | Analyst | high |
| PEG | 5Y | $33.63 | 6.2 | 5.39 | Analyst | high |
| Own P/E history | 5Y | $49.38 | 9.2 | 5.39 | Analyst | high |