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
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.0.
What can break
Alternatives to private mortgage insurance or lower MI coverage selections could hurt volumes and pricing.
Momentum
61
Value
59
Sentiment
48
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 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-15 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $49.40
Why
Momentum61 · Δ7d +5.6
Value59 · Δ7d +0.0
Sentiment48 · Δ7d -2.2
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.0.

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: Value · See fundamentals
Momentum
61
8% active weight
Current posture
7d trendImproving
Δ7d
+5.6
Δ21d
-4.7
Value
59
47% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
-0.2
Sentiment
48
45% active weight
Current posture
7d trendSoftening
Δ7d
-2.2
Δ21d
-13.4
Why this grade

Composite grade C. Momentum 60.5 / Value 59.0 / Sentiment 47.8

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 2026-10-23
Market Cap
$6.58B
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data