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Claims Ratio % is the percentage of claims costs incurred in relation to the premiums earned.
Enact Holdings's Claims Ratio % for the quarter that ended in Mar. 2026 was 15.00%
, which is higher than
7.00% for the pervious quarter ended in Dec. 2025.
Enact Holdings's Claims Ratio % for the annual that ended in Dec. 2025 was 11.00%
, which is higher than
4.00% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Enact Holdings's Claims Ratio % or its related term are showing as below:
ACT's Claims Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Claims Ratio % only.
Enact Holdings (NAS:ACT) Claims Ratio % Explanation
Claims Ratio % the percentage of claims costs incurred in relation to the premiums earned during the period. It is the equivalent of gross profit margin for an insurance company.
It's important to note that insurance is the business of managing risks and, to do that well, the insurer needs a thorough understanding of the incurred claims ratio. If the value is higher than expected or above established norms, then further investigation is required to figure out why that is (eg: fraud). If it is lower than expected, it could indicate irrelevant products or difficulties in claiming, possibly affecting customer satisfaction.
Enact Holdings Claims Ratio % Related Terms
Enact Holdings Claims Ratio % Historical Data
* Premium members only.
The historical data trend for Enact Holdings's Claims Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Specialty subindustry, Enact Holdings's Claims Ratio %, along with its competitors' market caps and Claims Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Enact Holdings (NAS:ACT) Claims Ratio % Calculation
Claims Ratio % is calculated as
Claims Ratio %
=
Total Claims
/
Total Premiums Earned
*
100%
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Claims Ratio % of 15.00% mean?
Enact Holdings (ACT) has a Claims Ratio % of 15.00% as of Mar. 2026. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on Enact Holdings and its competitors.
Is Enact Holdings' Claims Ratio % too high?
Enact Holdings' current Claims Ratio % is 15.00%. Overall, Enact Holdings has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enact Holdings' Claims Ratio % compare to ESNT and MTG?
Enact Holdings' Claims Ratio % of 15.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Claims Ratio % for an Insurance company?
A good Claims Ratio % depends on the Insurance industry context. However, Claims Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Claims Ratio % mean?
A high Claims Ratio % can signal that a stock is expensive relative to its fundamentals. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on Enact Holdings and its competitors. Enact Holdings's current Claims Ratio % is 15.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enact Holdings stock overvalued right now?
Based on GuruFocus' analysis, Enact Holdings (ACT) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.57, compared to a current price of $45.77 — trading 18.7% above its estimated fair value. The current Claims Ratio % is 15.00%. Enact Holdings' overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Claims Ratio % calculated?
Claims Ratio % is calculated from a company's financial statements. For Enact Holdings (ACT), the current Claims Ratio % is 15.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Enact Holdings (ACT) Overvalued in 2026?
Based on GuruFocus' analysis, Enact Holdings stock appears to be overvalued.
The current stock price of $45.77 is trading 18.7% above its estimated GF Value™ of $38.57.
GuruFocus considers Enact Holdings to be Modestly Overvalued.
Key valuation signals for ACT:
Claims Ratio %: 15.00%
GF Value™: $38.57 vs. price of $45.77 (18.7% above fair value)
No single metric tells the full story. See the ACT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enact Holdings Inc is a private mortgage insurance company serving the United States housing finance market. The company operates in a single reportable segment namely Mortgage Insurance The principal mortgage insurance customers are originators of residential mortgage loans that determines the mortgage insurer or insurers to be used for the placement of mortgage insurance written on loans originated. The company is engaged in writing and assuming residential mortgage guaranty insurance.
75GF Score
Get the complete analysis for ACT
Claims Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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