Enact HoldingsACT -0.11%74 EV-to-FCF is 9.04 as of Jul. 04, 2026, which is 19% above its 10-year median of 7.62. GuruFocus rates ACT with a GF Score™ of 74/100 and a GF Value™ of $38.43 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 395 Insurance companies, Enact Holdings ranks better than 52.15% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Enact Holdings's Enterprise Value is $6,527 Mil.
Enact Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $722 Mil. Therefore, Enact Holdings's EV-to-FCF for today is 9.04.
The historical rank and industry rank for Enact Holdings's EV-to-FCF or its related term are showing as below:
ACT'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.69 Med: 7.62 Max: 9.23
Current: 9.04
During the past 7 years, the highest EV-to-FCF of Enact Holdings was 9.23. The lowest was 5.69. And the median was 7.62.
ACT's EV-to-FCF is ranked better than 52.15% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs ACT: 9.04
EV-to-FCF 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-FCF 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 $45.35.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Enact Holdings EV-to-FCF Related Terms
Enact Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Enact Holdings's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Enact Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Enact Holdings's EV-to-FCF falls into.
Enact Holdings's current Enterprise Value is $6,527 Mil.
Enact Holdings's Free Cash Flow 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-FCF of 9.04 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Enact Holdings and its competitors. This is 19% above median its historical median of 7.62. Over the past decade, Enact Holdings' EV-to-FCF has ranged from 5.69 to 9.23. According to the industry distribution chart, Enact Holdings ranks #189 out of 395 companies in the Insurance industry, placing it in the top 47.8%.
Is Enact Holdings' EV-to-FCF too high?
Enact Holdings' current EV-to-FCF of 9.04 is 19% 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 9.23. The Insurance industry median EV-to-FCF is 9.32. Enact Holdings' value of 9.04 is 3% below this industry median. Based on the distribution chart, Enact Holdings ranks #189 out of 395 companies in the Insurance industry, which is above the industry midpoint. 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' EV-to-FCF compare to ESNT and MTG?
According to the Insurance industry distribution chart, Enact Holdings ranks #189 out of 395 companies for EV-to-FCF. This puts Enact Holdings in the upper half of its industry. The industry median EV-to-FCF is 9.32. Enact Holdings' value of 9.04 is 3% below this benchmark. Historically, Enact Holdings' own EV-to-FCF has ranged from 5.69 to 9.23 over the past decade. While the company's 10-year median is 7.62 vs. the industry median of 9.32, Enact Holdings has consistently been below 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enact Holdings's current EV-to-FCF of 9.04 is 3% below 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Enact Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enact Holdings's current EV-to-FCF is 9.04, which is 19% 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 $38.43, compared to a current price of $45.35 — trading 18% above its estimated fair value. The current EV-to-FCF is 9.04, which is 19% above median its 10-year median of 7.62 and 3% below the Insurance industry median of 9.32. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Enact Holdings (ACT), the current EV-to-FCF is 9.04 as of Jul. 04, 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 $45.35 is trading 18% above its estimated GF Value™ of $38.43.
GuruFocus considers Enact Holdings to be Modestly Overvalued.
Key valuation signals for ACT:
EV-to-FCF: 9.04 (19% above median its 10-year median of 7.62)
GF Value™: $38.43 vs. price of $45.35 (18% above fair value)
Industry Position: 3% below the Insurance median (#189 of 395)
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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