Enact Holdings: ACT And Buy

Nov. 30, 2021 2:48 AM ETEnact Holdings, Inc. (ACT) StockACT10 Comments
Yiannis Zourmpanos
9.89K Followers

Summary

  • With an operating history of 40 years, Enact Holdings is already a well-established name in the PMI sector with deep connections and a broad customer base.
  • The excess capital and sufficiency ratio of 181%, one of the highest in the PMI sector, provides ACT with a competitive advantage and financial flexibility for further growth ahead.
  • With a 6PMI average P/B multiple of just 1.05x, I have a target price of $27.05 for the ACT, implying a 26.39% upside potential.
  • The mispricing in the market won't last for long, and investors could easily gain a decent return waiting for ACT to reach its BVPS at $25.80.

Roll of cash and key with home. Money for rent or mortgage.

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In an earlier article, I have analyzed how Enact Holdings, Inc. (NASDAQ:ACT), the subsidiary of Genworth Financial, Inc. (GNW), could unlock tremendous value to the holding company through its IPO. Indeed, the recent IPO

This article was written by

9.89K Followers
Hi, I'm Yiannis. Spotting winners before they break out is what I do best.Experience: Previously worked at Deloitte and KPMG in external/internal auditing and consulting. Education: Chartered Certified Accountant, Fellow Member of ACCA Global, with BSc and MSc degrees from U.K. business schools. Investment Style: Spotting high-potential winners before they break out, focusing on asymmetric opportunities (with at least upside potential of 2-3X outweighing the downside risk). By leveraging market inefficiencies and contrarian insights, we seek to maximize long-term compounding while protecting against capital impairment.Risk management is paramount—we seek a strong margin of safety to protect against capital impairment while maximizing long-term compounding. Our 4-5 year investment horizon allows us to ride out volatility, ensuring that patience, discipline, and intelligent capital allocation drive outsized returns over time.Investment Methodology: Identifying High-Conviction Opportunities1️⃣ Leadership & Management Analysis • Proven track record in scaling businesses. • Smart capital allocation and insider ownership. • Consistent revenue growth and credible guidance. 2️⃣ Market Disruption & Competitive Positioning • Strong technology moat and first-mover advantage. • Network effects that drive exponential growth. • Market penetration in high-growth industries. 3️⃣ Financial Health & Risk Management • Sustainable revenue growth with efficient cash flow. • Strong balance sheet and long-term survival runway. • Avoiding excessive dilution and financial weakness. 4️⃣ Valuation & Asymmetric Risk/Reward • Revenue multiples vs. peers and DCF modeling. • Institutional backing and market sentiment analysis. • Ensuring downside protection with massive upside. 5️⃣ Portfolio Construction & Risk Control • Core Positions (50-70%) – High-confidence, stable plays. • Growth Bets (20-40%) – High-risk, high-reward opportunities. • Speculative (5-10%) – Moonshot disruptors with massive potential.

Analyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

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