Is ACT or ESNT more undervalued in 2026?

CirclFi compares Enact Holdings, Inc. (ACT) and Essent Group Ltd. (ESNT) using 13 institutional-grade valuation models. ACT has a Quality of Company score of 9.0/10 while ESNT scores 9.0/10.

Which is a better buy — ACT or ESNT?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ACT and ESNT valuations compare?

ACT at $42.11 and ESNT at $58.34 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ACT vs ESNT Valuation Comparison 2026 — Intrinsic Value Analysis

ACT

Insurance - Specialty

Enact Holdings, Inc.

Quality

9.0

out of 10

Value Trap

—

Price

$42.11

Last close

Models

13/13

Active

ESNT

Insurance - Specialty

Essent Group Ltd.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$58.34

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	ACT Fair Value	ACT Upside	ESNT Fair Value	ESNT Upside
Bayesian DCF	Intrinsic	$78.03	+85.3%	$130.74	+124.1%
Earnings Power Value	Intrinsic	$36.16	-14.1%	$54.56	-6.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ACT vs ESNT — Which Stock Is More Undervalued?

ACT scores higher with a 9.0/10 quality rating vs ESNT's 9.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Enact Holdings, Inc. (ACT) and Essent Group Ltd. (ESNT) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ACT currently trades at $42.11 with a QOC of 9.0/10, while ESNT trades at $58.34 with a QOC of 9.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).