RankAlpha logo
Back to Rankings

ACT

EnactC
Nasdaq / Financial Services
Last Price
Quote time unavailable
View Chart
Current thesis
ACT still looks like a disciplined mortgage-insurer compounding book value while returning large amounts of capital. The strongest bull points are resilient credit, elevated persistency, sizable PMIERs excess capital, and a board-supported dividend and repurchase framework [#10-K-2026-02-27] [#8-K-2026-02-03].
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +3.1.
What can break
Alternatives to private mortgage insurance or lower MI coverage selections could hurt volumes and pricing.
Momentum
63
Value
59
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $43.00 · Bull $48.00 · Bear $35.00Analysis 2026-04-15; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-15 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $50.20
Why
Momentum63 · Δ7d +1.6
Value59 · Δ7d 0.0
Sentiment52 · Δ7d +3.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +3.1.

Contradictions & invalidation

  • • Alternatives to private mortgage insurance or lower MI coverage selections could hurt volumes and pricing.
  • • Capital return is board- and subsidiary-dividend-dependent and could be moderated if the macro backdrop worsens.
  • • This remains a housing- and GSE-linked financial with meaningful regulatory and macro sensitivity.

Catalyst clock

2026-05-06

Q1 2026 earnings call on May 6 should test whether strong cure trends and elevated persistency are holding

Lead driver: Sentiment · See AI snapshot
Momentum
63
9% active weight
Current posture
7d trendImproving
Δ7d
+1.6
Δ21d
-10.1
Value
59
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.1
Sentiment
52
62% active weight
Current posture
7d trendImproving
Δ7d
+3.1
Δ21d
+3.8
Why this grade

Composite grade C. Momentum 62.8 / Value 59.3 / Sentiment 52.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-04-15. Scenario method

B+
Bull case
25%
Probability
Target price
$48.00
Analysis reference price unavailable
Analysis 2026-04-15 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$43.00
Analysis reference price unavailable
Analysis 2026-04-15 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$35.00
Analysis reference price unavailable
Analysis 2026-04-15 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$6.84B
Beta
0.54
Shares Out
137.48M
P/E (TTM)
9.3
P/S (TTM)
4.75
P/FCF (TTM)
9.94
Rev YoY
+4.1%
EPS YoY
+11.9%
Gross Margin
-
Op Margin
+73.1%
Net Debt
$169.82M
Current Ratio
1.62
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data