ACT

EnactB

Nasdaq / Financial Services

At close

2026-07-22

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

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.3.

What can break

Alternatives to private mortgage insurance or lower MI coverage selections could hurt volumes and pricing.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $43.00 · Bull $48.00 · Bear $35.00

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-15 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $46.00

Why

Momentum59 · Δ7d -2.6

Value59 · Δ7d -0.3

Sentiment49 · Δ7d -0.2

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-2.6

Δ21d

+8.4

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.3

Δ21d

-0.1

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

-0.2

Δ21d

-1.4

Why this grade

Composite grade B. Momentum 59.0 / Value 59.5 / Sentiment 48.7

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$6.39B

Beta

0.54

Shares Out

139.6M

P/E (TTM)

9.3

P/S (TTM)

4.75

P/FCF (TTM)

9.94

Rev YoY

+1.7%

EPS YoY

+8.5%

Gross Margin

Op Margin

+72.9%

Net Debt

$169.82M

Current Ratio

1.68

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology