Enact HoldingsACT -1.49%75 EV-to-OCF is 8.94 as of Jul. 08, 2026, which is 17% above its 10-year median of 7.62. GuruFocus rates ACT with a GF Score™ of 75/100 and a GF Value™ of $38.46 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 506 Insurance companies, Enact Holdings ranks worse than 59.88% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Enact Holdings's Enterprise Value is $6,453 Mil.
Enact Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $722 Mil. Therefore, Enact Holdings's EV-to-OCF for today is 8.94.
The historical rank and industry rank for Enact Holdings's EV-to-OCF or its related term are showing as below:
ACT'
s EV-to-OCF Range Over the Past 10 Years
Min: 5.69 Med: 7.62 Max: 9.26
Current: 8.94
During the past 7 years, the highest EV-to-OCF of Enact Holdings was 9.26. The lowest was 5.69. And the median was 7.62.
ACT's EV-to-OCF is ranked worse than 59.88% of 506
companies
in the Insurance industry
Industry Median: 6.81
vs ACT: 8.94
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Enact Holdings's PE Ratio (TTM) for today is calculated as:
Enact Holdings's share price for today is $44.82.
Enact Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.610.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Enact Holdings EV-to-OCF Related Terms
Enact Holdings EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Enact Holdings's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Enact Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Enact Holdings's EV-to-OCF falls into.
Enact Holdings's current Enterprise Value is $6,453 Mil.
Enact Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $722 Mil.
* 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.
Enact Holdings (ACT) has a EV-to-OCF of 8.94 as of Jul. 08, 2026. This is 17% above median its historical median of 7.62. Over the past decade, Enact Holdings' EV-to-OCF has ranged from 5.69 to 9.26. According to the industry distribution chart, Enact Holdings ranks #303 out of 506 companies in the Insurance industry, placing it in the top 59.9%.
Is Enact Holdings' EV-to-OCF too high?
Enact Holdings' current EV-to-OCF of 8.94 is 17% above median its 10-year median of 7.62. Over the past 10 years, this metric has ranged from a low of 5.69 to a high of 9.26. The Insurance industry median EV-to-OCF is 6.81. Enact Holdings' value of 8.94 is 31.3% above this industry median. Based on the distribution chart, Enact Holdings ranks #303 out of 506 companies in the Insurance industry, which is below the industry midpoint. 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' EV-to-OCF compare to ESNT and MTG?
According to the Insurance industry distribution chart, Enact Holdings ranks #303 out of 506 companies for EV-to-OCF. This places Enact Holdings in the lower half of its industry. The industry median EV-to-OCF is 6.81. Enact Holdings' value of 8.94 is 31.3% above this benchmark. Historically, Enact Holdings' own EV-to-OCF has ranged from 5.69 to 9.26 over the past decade. While the company's 10-year median is 7.62 vs. the industry median of 6.81, Enact Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.81, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enact Holdings's current EV-to-OCF of 8.94 is 31.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enact Holdings's current EV-to-OCF is 8.94, which is 17% above median its own 10-year median of 7.62. 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 $38.46, compared to a current price of $44.82 — trading 16.5% above its estimated fair value. The current EV-to-OCF is 8.94, which is 17% above median its 10-year median of 7.62 and 31.3% above the Insurance industry median of 6.81. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Enact Holdings (ACT), the current EV-to-OCF is 8.94 as of Jul. 08, 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 $44.82 is trading 16.5% above its estimated GF Value™ of $38.46.
GuruFocus considers Enact Holdings to be Modestly Overvalued.
Key valuation signals for ACT:
EV-to-OCF: 8.94 (17% above median its 10-year median of 7.62)
GF Value™: $38.46 vs. price of $44.82 (16.5% above fair value)
Industry Position: 31.3% above the Insurance median (#303 of 506)
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
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