ACT
Enact Holdings, Inc. Common Stock
INSURANCE AGENTS, BROKERS & SERVICE
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Enact (ACT) Stock: Buy, Sell, or Hold?
$46.16
-0.04 (-0.09%)
âŧ
5d:
-4.31%
30d:
+2.74%
90d:
-7.27%
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70/30 Portfolio Builder
Earnings: Nov 04, 2026
0d
Protect ACT Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (80%)
Quality Score
50/100
Position
SLIGHTLY LOW
30-Day Fair Range
$45.68 â $47.72
Position: SLIGHTLY LOW
Forward P/E & Valuation
9.2x
FAIR
vs 8.8x historical avg
Wall Street Target
$47.00
+1.8% upside
Options IV & Volume
3th pct IV
HIGH volume confirmation
Support / Resistance
$45.45 / $50.50
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: ACT is fairly priced but lacks strong directional signals. At 1.2% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$55.10
Based on 4.5% avg growth
INTRINSIC VALUE TODAY
$34.21
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 $46.16, which is considered slightly low relative to its 30-day fair value range of $45.68 to $47.72. The stock's valuation (Forward PE: 9.2) is in line with its historical norms (8.8). At these levels, the market is pricing in 1.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ACT is showing sideways momentum. The price is currently testing key support at $45.45. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. In the options market, Implied Volatility is low (3th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ACT is showing sideways momentum. The price is currently testing key support at $45.45. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. In the options market, Implied Volatility is low (3th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$45.68 -
$47.72
Company Quality Score
50/100
(HOLD)
Options IV Signal
3th percentile
(COMPLACENCY WARNING)
Volume Confirmation
HIGH
Confidence Score
80.4%
Trading Range & Key Levels
30-Day Trading Range
$45.68 -
$47.72
Current vs Trading Range
SLIGHTLY LOW
Expected Move (7 Days)
Âą$1.32
(2.9%)
Support Level
$45.45
Resistance Level
$50.50
Current Trend
Sideways
Technical data as of
Nov 11, 2026
Protect Your Profits
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View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BULLISH: Options cheap (IV 3th percentile)
- NEUTRAL: Mixed technical signals (41/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($47.00)
- NEUTRAL: Market pricing in 1.2% annual earnings growth - fairly valued
- WARNING: Composite score 50/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.17
Wall Street Target
$47.00
(+1.8%)
Revenue Growth (YoY)
0.4%
Earnings Growth (YoY)
4.5%
Profit Margin
54.1%
Valuation Premium vs History
+1.2% premium
PE vs Historical
9.2 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.2%
(market-implied from PE analysis)
1-Year Target
$46.71
(+1%)
2-Year Target
$47.27
(+2%)
3-Year Target
$47.84
(+4%)
3-Yr Target (if PE normalizes)
(PE: 9â9)
PE COMPRESSION
$45.93
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 4.9%)
$115.47
(+150%)
Base:
(SPY PE: 9.2, Growth: 4.9%)
$53.29
(+15%)
Bear:
(PE: 7.8, Growth: 4.9%)
$45.30
(-2%)
đ
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: 9.65 | Current EPS (TTM): $4.79
Bull Case
$53.43
(+16%)
Analyst growth 5.1%, PE expands to 10.6
Base Case
$48.58
(+5%)
Market implied 5.1%, PE stable at 9.7
Bear Case
$31.42
(-32%)
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.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (ACT)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 6, 2026
Daily AI digest
AI Retail Discussion Summary:
A bullish StockTwits message from an influential user with the nickname 'The Originals Moon Market: Alpha List' expresses confidence in their investment strategy, stating 'We don't chase the candle. We stalk the setup.' and classifying their intel as 'GOD TIER.' This message, however, does not directly reference $ACT stock.
Key Retail Themes:
Investor Confidence
Strategic Patience
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 5:14 AM ET
Data refreshes hourly during market hours. Next update: 6:14 AM
Data refreshes hourly during market hours. Next update: 6:14 AM
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Technical Signals Check
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Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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