3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Enact Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was -2.78%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Enact Holdings's 3-Year ROIIC % or its related term are showing as below:
ACT's 3-Year ROIIC % is ranked worse than 82.37% of 329
companies
in the Insurance industry
Industry Median: 5.2
vs ACT: -2.78
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Enact Holdings 3-Year ROIIC % Related Terms
Enact Holdings 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Enact Holdings's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Enact Holdings's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Enact Holdings's 3-Year ROIIC % falls into.
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Enact Holdings (ACT) has a 3-Year ROIIC % of -2.78 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Enact Holdings and its competitors. According to the industry distribution chart, Enact Holdings ranks #271 out of 329 companies in the Insurance industry, placing it in the top 82.4%.
Is Enact Holdings' 3-Year ROIIC % too high?
Enact Holdings' current 3-Year ROIIC % is -2.78. Based on the distribution chart, Enact Holdings ranks #271 out of 329 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Enact Holdings has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enact Holdings' 3-Year ROIIC % compare to ESNT and MTG?
According to the Insurance industry distribution chart, Enact Holdings ranks #271 out of 329 companies for 3-Year ROIIC %. This places Enact Holdings in the lower half of its industry. The industry median 3-Year ROIIC % is 5.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 329 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Enact Holdings and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enact Holdings's current 3-Year ROIIC % is -2.78. 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 $38.40, compared to a current price of $45.19 — trading 17.7% above its estimated fair value. The current 3-Year ROIIC % is -2.78. Enact Holdings' overall GF Score™ is 77/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Enact Holdings (ACT), the current 3-Year ROIIC % is -2.78 as of Dec. 2025. 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 $45.19 is trading 17.7% above its estimated GF Value™ of $38.40.
GuruFocus considers Enact Holdings to be Modestly Overvalued.
Key valuation signals for ACT:
3-Year ROIIC %: -2.78
GF Value™: $38.40 vs. price of $45.19 (17.7% 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.
77GF Score
Get the complete analysis for ACT
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ACT has been successfully added to your 
