Saturday 17 October 2026
Export ACT’s income statement to Excel — free account
Enact Holdings, Inc.
ACT Financial Insurance Specialty
Enact Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, up 2.83% from fiscal 2024. In the quarter to June 2026, revenue grew 4.07%, EPS grew 11.6%, free cash flow was flat and total debt was flat, each against the same quarter a year earlier. Revenue growth for three consecutive years, operating cash flow growth for three.
46.28
0.61
+1.34%
Follow ACT
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | |
|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
5 | 5 | 6 | 7 | 7 | 4 | — | — |
P/E ratio |
8.71 | 7.36 | 6.92 | 5.60 | 6.17 | 6.88 | 6.88 | 6.88 |
P/S ratio |
4.76 | 4.21 | 4.00 | 3.60 | 3.01 | 2.94 | 2.94 | 2.94 |
P/FCF ratio |
8.12 | 7.37 | 7.29 | 7.03 | 5.88 | 5.36 | 5.36 | 5.36 |
P/Operating CF |
31.58 | 30.46 | 24.26 | 24.86 | 20.90 | 24.52 | 24.52 | 24.52 |
P/B ratio |
1.10 | 1.01 | 1.00 | 0.96 | 0.82 | 0.82 | 0.82 | 0.82 |
Price to Tangible BV |
1.10 | 1.01 | 1.00 | 0.96 | 0.82 | 0.82 | 0.82 | 0.82 |
EV/Sales |
4.89 | 4.33 | 4.11 | 3.81 | 3.29 | 3.21 | 3.21 | 3.21 |
EV/EBITDA |
6.67 | 5.54 | 5.21 | 4.33 | 4.88 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
8.34 | 7.58 | 7.50 | 7.44 | 6.43 | 5.85 | 5.85 | 5.85 |
EV/FCF |
8.34 | 7.58 | 7.50 | 7.44 | 6.43 | 5.85 | 5.85 | 5.85 |
Quick Ratio |
0.95 | 1.02 | 0.99 | 0.77 | 0.53 | 0.58 | 1.01 | — |
Current Ratio |
0.95 | 1.02 | 0.99 | 0.77 | 0.53 | 0.58 | 1.01 | — |
Net Debt/EBITDA |
0.18 | 0.15 | 0.14 | 0.24 | 0.42 | 0.56 | (0.77) | — |
Debt/Assets |
10.80% | 11.39% | 12.04% | 13.01% | 12.62% | 13.06% | 0.51% | 0.00% |
Debt/Equity |
0.14 | 0.15 | 0.16 | 0.18 | 0.18 | 0.19 | 0.01 | 0.00 |
Asset Turnover |
0.18 | 0.19 | 0.19 | 0.19 | 0.19 | 0.22 | 0.23 | 0.19 |
Operating CF/Net income |
1.07 | 1.00 | 0.95 | 0.80 | 1.05 | 1.90 | 0.74 | 1.06 |
Capex/Depreciation |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Interest Coverage |
18.19 | 18.38 | 17.42 | 18.37 | 14.63 | 26.89 | — | — |
| 13.03% | 14.29% | 15.24% | 17.16% | 13.69% | 9.61% | 19.09% | 13.63% | |
| 10.05% | 10.83% | 11.19% | 12.17% | 9.49% | 7.29% | 15.76% | 11.19% | |
ROIC |
9.73% | 10.81% | 11.18% | 12.97% | 9.83% | 7.09% | 13.75% | 0.00% |
Return on Tangible Assets |
(1,900.03%) | 5,265.29% | (9,833.20%) | (423.65%) | (130.30%) | (101.94%) | 8,801.51% | 0.00% |
Average Days of Receivables |
13.62 | 16.11 | 14.26 | 13.91 | 13.80 | 15.33 | 15.35 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.74% | 0.80% | 0.92% | 1.13% | 1.32% | 1.89% | 1.54% | 0.00% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.54% | 1.56% | 1.32% | 0.90% | 0.13% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(0.15) | (0.17) | (0.19) | (0.27) | (0.38) | (0.39) | (0.39) | (0.39) |
Graham Number |
60.79 | 56.26 | 51.79 | 49.48 | 43.60 | 44.53 | 0.00 | 0.00 |
Earnings Yield |
11.48% | 13.59% | 14.45% | 17.86% | 16.22% | 14.54% | 14.54% | 14.54% |
Free Cash Flow Yield |
12.32% | 13.56% | 13.71% | 14.23% | 17.00% | 18.65% | 18.65% | 18.65% |
Revenue per Share |
8.33 | 7.69 | 7.17 | 6.72 | 6.86 | 6.79 | 6.01 | 5.16 |
Operating CF per Share |
4.88 | 4.39 | 3.93 | 3.44 | 3.51 | 4.33 | 3.07 | 3.14 |
Capex per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Free Cash Flow per Share |
4.88 | 4.39 | 3.93 | 3.44 | 3.51 | 4.33 | 3.07 | 3.14 |
Cash per Share |
3.93 | 3.84 | 3.83 | 3.16 | 2.62 | 2.78 | 3.59 | 0.00 |
Shareholders Equity per Share |
36.09 | 31.97 | 28.80 | 25.18 | 25.21 | 23.84 | 23.50 | 20.09 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
36.09 | 31.97 | 28.80 | 25.18 | 25.21 | 23.84 | 23.50 | 20.09 |
Free Cash Flow |
724.52 | 686.26 | 632.04 | 560.51 | 572.11 | 704.35 | 500.02 | 511.12 |
Working Capital |
(35.49) | 13.07 | (6.77) | (166.21) | (419.55) | (363.37) | 7.70 | — |
Net Current Asset Value |
(909.66) | (872.97) | (897.37) | (1,052.73) | (1,292.16) | (1,271.64) | (49.63) | (825.00) |
EV/EBIT |
6.65 | 5.54 | 5.25 | 4.39 | 4.93 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
6.85 | 5.69 | 5.41 | 4.39 | 4.84 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Cash ROIC |
10.84% | 10.83% | 10.55% | 10.46% | 10.85% | 13.88% | 11.27% | 15.61% |
Accounts Receivable Turnover |
24.93 | 24.50 | 26.58 | 26.07 | 25.20 | 25.25 | 22.34 | 0.00 |
Accounts Payable Turnover |
0.49 | 0.39 | 0.35 | 0.16 | 0.41 | 0.80 | 0.33 | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Days of Payables |
762.62 | 926.23 | 1,016.65 | 1,984.85 | 907.72 | 529.30 | 919.15 | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Receivables |
49.58 | 49.05 | 43.40 | 42.00 | 44.37 | 43.81 | 43.81 | — |
Average Payables |
651.75 | 653.46 | 694.62 | 804.68 | 875.13 | 740.57 | 740.57 | — |
Average Assets |
6,707.50 | 6,356.00 | 5,949.81 | 5,787.46 | 5,759.24 | 5,077.82 | 4,300.96 | 4,327.00 |
Average Common Equity |
5,175.64 | 4,814.22 | 4,366.63 | 4,103.22 | 3,993.67 | 3,854.44 | 3,550.54 | 3,550.50 |
Columns are period end dates