Enact HoldingsACT +0.36%74 Equity-to-Asset is 0.77 as of Mar. 2026, which is 3% above its 10-year median of 0.75. GuruFocus rates ACT with a GF Score™ of 74/100 and a GF Value™ of $38.46 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 507 Insurance companies, Enact Holdings ranks better than 96.65% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Enact Holdings's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $5,344 Mil. Enact Holdings's Total Assets for the quarter that ended in Mar. 2026 was $6,962 Mil.
Therefore, Enact Holdings's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.77.
The historical rank and industry rank for Enact Holdings's Equity-to-Asset or its related term are showing as below:
ACT'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.69 Med: 0.75 Max: 0.85
Current: 0.77
During the past 7 years, the highest Equity to Asset Ratio of Enact Holdings was 0.85. The lowest was 0.69. And the median was 0.75.
ACT's Equity-to-Asset is ranked better than 96.65% of 507
companies
in the Insurance industry
Industry Median: 0.26
vs ACT: 0.77
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Enact Holdings Equity-to-Asset Related Terms
Enact Holdings Equity-to-Asset Historical Data
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The historical data trend for Enact Holdings's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Enact Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Enact Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Enact Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.77 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Enact Holdings and its competitors. This is near median its historical median of 0.75. Over the past decade, Enact Holdings' Equity-to-Asset has ranged from 0.69 to 0.85. According to the industry distribution chart, Enact Holdings ranks #17 out of 507 companies in the Insurance industry, placing it in the top 3.4%.
Is Enact Holdings' Equity-to-Asset too high?
Enact Holdings' current Equity-to-Asset of 0.77 is near median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 0.85. The Insurance industry median Equity-to-Asset is 0.26. Enact Holdings' value of 0.77 is 196.2% above this industry median. Based on the distribution chart, Enact Holdings ranks #17 out of 507 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Enact Holdings has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enact Holdings' Equity-to-Asset compare to ESNT and MTG?
According to the Insurance industry distribution chart, Enact Holdings ranks #17 out of 507 companies for Equity-to-Asset. This places Enact Holdings in the top 3% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.26. Enact Holdings' value of 0.77 is 196.2% above this benchmark. Historically, Enact Holdings' own Equity-to-Asset has ranged from 0.69 to 0.85 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enact Holdings's current Equity-to-Asset of 0.77 is 196.2% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Enact Holdings and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enact Holdings's current Equity-to-Asset is 0.77, which is near median its own 10-year median of 0.75. 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 $44.98 — trading 17% above its estimated fair value. The current Equity-to-Asset is 0.77, which is near median its 10-year median of 0.75 and 196.2% above the Insurance industry median of 0.26. Enact Holdings' overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Enact Holdings (ACT), the current Equity-to-Asset is 0.77 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 $44.98 is trading 17% above its estimated GF Value™ of $38.46.
GuruFocus considers Enact Holdings to be Modestly Overvalued.
Key valuation signals for ACT:
Equity-to-Asset: 0.77 (near median its 10-year median of 0.75)
GF Value™: $38.46 vs. price of $44.98 (17% above fair value)
Industry Position: 196.2% above the Insurance median (#17 of 507)
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.
74GF Score
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