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 $6.3B and $5.8B.
On earnings, Essent is cheaper: it trades at 8.9× trailing earnings, against 9.5× for Enact.
Essent grew revenue faster over the last twelve months (9.6% versus 2.5% for Enact).
Both pay dividends: Enact yields 2.0% 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 | $6.3B | $5.8B |
| Share price | $45.83 | $64.89 |
| Change, 1 year | 21.8% | 4.6% |
| Change, 5 years | 99.1% | 43.1% |
| Beta (5Y) | 0.51 | 0.76 |
| 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 | 9.5× | 8.9× (better) |
| P/S | 5.0× | 4.2× (better) |
| P/B | 1.2× | 1.0× (better) |
| EV/EBITDA | – | 6.6× |
| P/FCF | – | 6.8× |
| PEG | 5.97 | – |
| FCF yield | – | 14.6% |
| Fair value | $97.89 | $76.34 |
| Margin of safety | 53.2% (better) | 15.0% |
| Growth | ||
| Revenue growth (TTM) | 2.5% | 9.6% (better) |
| Revenue growth, 5Y average | 2.2% | 5.7% (better) |
| Net income growth (TTM) | – | −3.3% |
| EPS growth (TTM) | 10.6% (better) | 6.6% |
| EPS growth, 5Y average | 14.8% (better) | 12.2% |
| Profitability | ||
| Net margin | – | 49.1% |
| FCF margin | – | 61.6% |
| Return on equity | – | 12.0% |
| Financial health | ||
| Altman Z-score | 3.40 (better) | 2.98 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.0% (better) | 1.6% |
| Payout ratio | – | 18.4% |
| Years of dividend growth | 1 | 6 (better) |
| Dividend growth, 5Y average | – | 14.1% |
| Buyback yield | 6.8% | 9.7% (better) |
| Shareholder yield | 8.8% | 11.3% (better) |
| Ownership | ||
| Held by institutions | 21.7% | 96.7% |
| Held by insiders | 90.6% | 3.7% |
| Insider net buying, 12 months | −$329M | −$19.9M (better) |
| Short interest, % of float | 23.2% | 4.0% |
Go deeper
- ACT stock overview
- ACT income statement
- ACT valuation and score
- ESNT stock overview
- ESNT income statement
- ESNT valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.