Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Enact Holdings's 3-Year RORE % for the quarter that ended in Mar. 2026 was 5.15%.
The industry rank for Enact Holdings's 3-Year RORE % or its related term are showing as below:
ACT's 3-Year RORE % is ranked worse than 59.2% of 473
companies
in the Insurance industry
Industry Median: 11.68
vs ACT: 5.15
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Enact Holdings 3-Year RORE % Related Terms
Enact Holdings 3-Year RORE % Historical Data
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The historical data trend for Enact Holdings's 3-Year RORE % 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 RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Enact Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Enact Holdings's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Enact Holdings (ACT) has a 3-Year RORE % of 5.15 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Enact Holdings and its competitors. According to the industry distribution chart, Enact Holdings ranks #280 out of 473 companies in the Insurance industry, placing it in the top 59.2%.
Is Enact Holdings' 3-Year RORE % too high?
Enact Holdings' current 3-Year RORE % is 5.15. The Insurance industry median 3-Year RORE % is 11.68. Enact Holdings' value of 5.15 is 55.9% below this industry median. Based on the distribution chart, Enact Holdings ranks #280 out of 473 companies in the Insurance industry, which is below the industry midpoint. 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 RORE % compare to ESNT and MTG?
According to the Insurance industry distribution chart, Enact Holdings ranks #280 out of 473 companies for 3-Year RORE %. This places Enact Holdings in the lower half of its industry. The industry median 3-Year RORE % is 11.68. Enact Holdings' value of 5.15 is 55.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.68, based on 473 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enact Holdings's current 3-Year RORE % of 5.15 is 55.9% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Enact Holdings and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enact Holdings's current 3-Year RORE % is 5.15. 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 $38.39, compared to a current price of $44.26 — trading 15.3% above its estimated fair value. The current 3-Year RORE % is 5.15 and 55.9% below the Insurance industry median of 11.68. 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 RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Enact Holdings (ACT), the current 3-Year RORE % is 5.15 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 $44.26 is trading 15.3% above its estimated GF Value™ of $38.39.
GuruFocus considers Enact Holdings to be Modestly Overvalued.
Key valuation signals for ACT:
3-Year RORE %: 5.15
GF Value™: $38.39 vs. price of $44.26 (15.3% above fair value)
Industry Position: 55.9% below the Insurance median (#280 of 473)
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
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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