ACT
9/9 ScoreEnact Holdings, Inc.
Analysis Date: March 5, 2026
Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company is involved in writing and assuming residential mortgage guaranty insurance. It offers private mortgage insurance products primarily insuring prime-based, individually underwritten residential mortgage loans; and contract underwriting services for mortgage lenders. The company was formerly known as Genworth Mortgage Holdings, Inc. and changed its name to Enact Holdings, Inc. in May 2021. Enact Holdings, Inc. was founded in 1981 and is headquartered in Raleigh, North Carolina. Enact Holdings, Inc. is a subsidiary of Genworth Holdings, Inc.
Buffettology Criteria
All 9 of 9 criteria passed
High ROE
Return on Equity > 12%
Value: 12.8%
High ROIC
Return on Invested Capital > 9%
Value: 9.9%
Cash Machine
FCF / Assets > 5%
Value: 0.11
Fair Valuation
Earnings Yield > 3.5%
Value: 11.0%
Share Buybacks
Share Count is Dropping
Value: -5.1%
Defensible Moat
Gross Profit Margin > 40%
Value: 78.3%
Simple Business
Not in a speculative sector (e.g., Biotech)
Value: Financial Services
Conservative Debt
Debt to Equity < 1.5
Value: 0.14x
Consistent Growth
5-Year Growth is Positive
Value: 99.8%
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