Enact (ACT) Stock: Buy, Sell, or Hold?
ACT - Enact Holdings, Inc. Common Stock
$46.92
1.27 (2.78%)
▲
5d:
+2.74%
30d:
-1.74%
90d:
+0.34%
BUY
MODERATE Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 04, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: ACT shows positive signals but monitor for confirmation. Market pricing in 1.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: ACT shows positive signals but monitor for confirmation. Market pricing in 1.9% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$53.43
Based on 3.9% avg growth
INTRINSIC VALUE TODAY
$33.18
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ACT is currently trading at $46.92, which is considered fair relative to its 30-day fair value range of $45.10 to $48.16. The stock's valuation (Forward PE: 9.3) is in line with its historical norms (8.8). At these levels, the market is pricing in 1.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ACT is in a uptrend. The price is approaching resistance at $47.75. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ACT scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ACT is in a uptrend. The price is approaching resistance at $47.75. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ACT scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$45.10 -
$48.16
Company Quality Score
61/100
(BUY)
Options IV Signal
40th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
77.7%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 40th percentile)
- BULLISH: Strong technical setup (64/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($49.40)
- NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 64/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$45.10 -
$48.16
Current vs Trading Range
FAIR
Expected Move (7 Days)
±$3.29
(7.0%)
Support & Resistance Levels
Support Level
$44.06
Resistance Level
$47.75
Current Trend
Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.33
Wall Street Target
$49.40
(+5.3%)
Revenue Growth (YoY)
4.1%
Earnings Growth (YoY)
12.6%
Profit Margin
54.5%
Valuation Premium vs History
+1.9% premium
PE vs Historical
9.3 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.9%
(market-implied from PE analysis)
1-Year Target
$47.81
(+2%)
2-Year Target
$48.72
(+4%)
3-Year Target
$49.65
(+6%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$46.81
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 3.7%)
$111.39
(+137%)
Base:
(SPY PE: 9.3, Growth: 3.7%)
$52.35
(+12%)
Bear:
(PE: 7.9, Growth: 3.7%)
$44.50
(-5%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.63 | Current EPS (TTM): $4.74
Bull Case
$53.25
(+14%)
Analyst growth 6.1%, PE expands to 10.6
Base Case
$48.41
(+3%)
Market implied 6.1%, PE stable at 9.6
Bear Case
$31.04
(-34%)
Severe decline -20.0%, PE contracts to 8.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 10:22 PM ET
Data refreshes hourly during market hours. Next update: 11:22 PM
Data refreshes hourly during market hours. Next update: 11:22 PM
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Technical Signals Check
Is ACT showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced ACT Option Strategies
Professional options setups generated by AI based on today's ACT price and gamma walls.
