Enact Holdings, Inc. (ACT) Fair Value 2026

ACT · Insurance - Specialty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.1 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (17/100)

Quick Summary — As of 2026-08-27, Enact Holdings, Inc. (ACT) trades at $49.04, versus a $53.90 median fair value across its 6 active models — 9.9% above the current price. QOC: 9.1/10. Value Trap Risk: 17/100 (SAFE). 6/13 models active.

Key Facts

Ticker
ACT
Price
$49.04
Quality Score
9.1/10
Value Trap Risk
17/100
Models Active
6/13
Last Updated
Strength: Earnings Power Value suggests +11.0% upside with 67% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is Enact Holdings, Inc. (ACT) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Enact Holdings, Inc. (ACT) appears fairly valued as of : the median of 6 independent fair value estimates is $53.90, within 9.9% of the current price of $49.04. Estimates range from $39.81 to $58.71. ACT scores 9.1/10 on fundamental quality and 17/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. ACT’s +9.9% gap is narrower than that market norm, and the Insurance - Specialty sector median is +9.9%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Enact Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give ACT?

6 Intrinsic Value Models vs. Current Price ($49.04)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $54.41 +11.0%
Ensemble · Medium Conviction
 $53.40 +8.9%
Intrinsic · High Conviction
 $48.67 -0.8%
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What Is ACT's Fair Value Range?

Spread across 6 independent models · $39.81 to $58.71

CirclFi's 6 active models place Enact Holdings, Inc. (ACT) between $39.81 and $58.71 per share, a spread of 35% of the median. The median of that range — $53.90 — is the fair value CirclFi publishes for ACT, against a current price of $49.04.

Low · FTNNHigh · ML-RIV
$39.81median $53.90$58.71
Where the range comes from
Most bearish modelFTNN Topology$39.81
Most bullish modelML Residual Income$58.71
Model agreement4 bullish · 1 bearishtight

The methods largely agree on ACT. A band this narrow usually means stable, predictable cash flows that every approach reads the same way, and it is the strongest form of confirmation this engine can produce.

Every figure above is one model's standalone output on ACT, not a CirclFi price target. How each model works →

What Is Enact Holdings, Inc. (ACT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on Enact Holdings, Inc. at $49.04. With an estimated intrinsic value of $53.90 and 4 of 6 models pointing higher, the median implied return is +9.9%. The most optimistic model, ML-RIV, places fair value at $58.71 (+19.7%), while FTNN — the most conservative — estimates $39.81 (-18.8%). This +38.5% gap reflects genuine analytical uncertainty about Enact Holdings, Inc.'s intrinsic worth.

What Do the Models Say About ACT?

6 of 13 models are currently active for ACT. Of these, 4 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for ACT is $53.90 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does ACT Rank in Insurance - Specialty?

Among 17 Insurance - Specialty stocks, ACT ranks #3 by Quality of Company score. CirclFi's QOC score of 9.1/10 evaluates 32 fundamental signals. A score of 9.1 places ACT in the top tier.

Enact Holdings, Inc.'s positioning within the Insurance - Specialty segment means that expense ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including market share gains — shape both the opportunity set and risk profile.

Is ACT a Value Trap?

CirclFi's Value Trap algorithm assigns ACT a score of 17/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Enact Holdings, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Enact Holdings, Inc. scores 9.1 out of 10 on our 32-signal quality assessment, a elite rating that ranks among the highest-quality businesses in our coverage universe. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +38.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every ACT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across ACT's 6 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Enact Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Specialty Stocks Should You Also Analyze?

9 related Insurance - Specialty stocks with 13-model coverage

ESNTEssent Group Ltd.QOC 9.1MTGMGIC Investment CorporationQOC 8.5NMIHNMI Holdings, Inc.QOC 9.3AXSAXIS Capital Holdings LimitedQOC 8.1MBIMBIA Inc.QOC 5.8ITICInvestors Title CompanyQOC 8.0FAFFirst American Financial CorporationQOC 7.9AGOAssured Guaranty Ltd.QOC 7.8JRVRJames River Group Holdings, Inc.QOC 6.9

Read investment analysis: ESNT · MTG · NMIH · AXS · MBI · ITIC · FAF · AGO · JRVR

Which Other Stocks Have a Similar Quality Score to ACT?

7 companies across all industries closest to ACT’s Quality of Company score of 9.1/10.

RAMPLiveRamp Holdings, Inc.QOC 9.1AXPAmerican Express CompanyQOC 9.1GGGGraco Inc.QOC 9.1OPLNOPENLANE, Inc.QOC 9.1BSMBlack Stone Minerals, L.P.QOC 9.1RGLDRoyal Gold, Inc.QOC 9.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RAMP · AXP · GGG · OPLN · BSM · RGLD · NVDA

What Else Do Investors Ask About Enact Holdings, Inc.’s Valuation?

What is Enact Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts Enact Holdings, Inc. (ACT)'s intrinsic value at $53.90 — the median of 6 independent model estimates as of 2026-08-27, ranging from $39.81 to $58.71. The Quality of Company score is 9.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is ACT overvalued or undervalued right now?

At $49.04, 4 of 6 active models suggest ACT may be undervalued, while 2 indicate potential overvaluation. The median of all 6 fair value estimates is $53.90, within 9.9% of the current price of $49.04 — a consensus view that ACT is fairly valued. The assessment depends on which methodology best fits Enact Holdings, Inc.'s business model in Insurance - Specialty.

What does a Quality of Company score of 9.1 mean for ACT?

Enact Holdings, Inc.'s QOC of 9.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on ACT?

CirclFi analyzes ACT with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on ACT?

Of the 6 models currently active on ACT, ML Residual Income is the most bullish at $58.71 per share, and FTNN Topology is the most bearish at $39.81. CirclFi's published fair value for ACT is the median of that range, $53.90, not either extreme. The gap between the two ends equals 35% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is ACT a value trap in 2026?

Enact Holdings, Inc.'s Value Trap score is 17/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Enact Holdings, Inc. (ACT) has a median fair value of $53.90 — within 9.9% of the current price of $49.04 — as of 2026-08-27.” Source: circlfi.com/stock/ACT/ · Methodology
Primary sources for this ACT valuation
  • Financial statements: Enact Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001823529) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for ACT as of ; valuations recomputed .

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