Enact vs Essent
ACT and ESNT side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ACT and ESNT compare
Enact and Essent are about the same size, with market caps of $6.5B and $6.0B.
On earnings, Essent is cheaper: it trades at 9.3× trailing earnings, against 9.9× for Enact.
Essent grew revenue faster over the last twelve months (4.3% versus 2.5% for Enact).
Both pay dividends: Enact yields 1.9% and Essent 1.6%.
Essent scores higher on the StockData Score (10 against 6 for Enact), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ACT | ESNT |
|---|---|---|
| Size and price | ||
| Market cap | $6.5B | $6.0B |
| Share price | $47.18 | $67.02 |
| Change, 1 year | 35.1% | 12.3% |
| Change, 5 years | 103% | 39.1% |
| Beta (5Y) | 0.52 | 0.75 |
| Employees | 419 | 514 |
| StockData Score | ||
| Total score | 6 | 10 (better) |
| Valuation score | 4 (better) | 3 |
| Growth score | 0 | 0 |
| Performance score | 1 | 3 (better) |
| Health score | 0 | 0 |
| Dividend score | 1 | 4 (better) |
| Valuation | ||
| P/E | 9.9× | 9.3× (better) |
| P/S | 5.2× | 4.6× (better) |
| P/B | 1.2× | 1.1× (better) |
| EV/EBITDA | – | 6.9× |
| P/FCF | – | 7.3× |
| PEG | 6.21 | – |
| FCF yield | – | 13.7% |
| Fair value | $108.87 | $75.03 |
| Margin of safety | 56.7% (better) | 10.7% |
| Growth | ||
| Revenue growth (TTM) | 2.5% | 4.3% (better) |
| Revenue growth, 5Y average | 2.2% | 5.7% (better) |
| Net income growth (TTM) | – | −4.8% |
| EPS growth (TTM) | 8.2% (better) | 4.7% |
| EPS growth, 5Y average | 14.8% (better) | 12.2% |
| Profitability | ||
| Net margin | – | 51.5% |
| FCF margin | – | 62.4% |
| Return on equity | – | 12.0% |
| Financial health | ||
| Altman Z-score | 3.47 (better) | 3.07 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.9% (better) | 1.6% |
| Payout ratio | – | 18.2% |
| Years of dividend growth | 1 | 6 (better) |
| Dividend growth, 5Y average | – | 14.1% |
| Buyback yield | 6.5% | 10.1% (better) |
| Shareholder yield | 8.4% | 11.7% (better) |
| Ownership | ||
| Held by institutions | 21.7% | 96.7% |
| Held by insiders | 90.6% | 3.7% |
| Insider net buying, 12 months | −$280M | −$16.8M (better) |
| Short interest, % of float | 21.2% | 3.9% |
Go deeper
- ACT stock overview
- ACT income statement
- ACT valuation and score
- ESNT stock overview
- ESNT income statement
- ESNT valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.