Last 27 quarters of trend data · Financial Services · Specialty Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.46 | 9.40 | 9.14 | 8.65 | 8.12 | 8.71 | 8.37 | 8.04 | 7.71 | 7.90 | 6.61 | 7.72 | 7.37 | 6.67 | 6.04 | 5.29 | 6.85 | 4.74 | 4.30 | 5.51 | 5.50 |
| — | +7.9% | +9.3% | +7.5% | +5.4% | +10.3% | +26.6% | +4.2% | +4.6% | +18.3% | +9.4% | +45.8% | +7.6% | +40.9% | +40.6% | -3.9% | +24.6% | -27.4% | — | — | — | |
| P/S Ratio | 5.17 | 4.78 | 5.05 | 4.66 | 4.62 | 4.57 | 4.60 | 4.33 | 4.14 | 4.61 | 4.07 | 4.28 | 3.92 | 3.67 | 3.67 | 3.32 | 3.56 | 3.29 | 3.20 | 3.36 | 3.08 |
| — | +4.7% | +10.0% | +7.7% | +11.6% | -0.9% | +13.0% | +1.1% | +5.6% | +25.6% | +10.8% | +28.9% | +10.1% | +11.4% | +14.6% | -1.3% | +15.5% | +3.3% | — | — | — | |
| P/B Ratio | 1.29 | 1.15 | 1.19 | 1.09 | 1.08 | 1.07 | 1.07 | 1.04 | 1.00 | 1.13 | 1.01 | 1.06 | 1.00 | 0.98 | 0.93 | 0.87 | 0.96 | 0.88 | 0.86 | 0.90 | 0.82 |
| — | +7.6% | +10.9% | +5.0% | +7.4% | -5.6% | +6.4% | -2.0% | -0.2% | +15.1% | +8.2% | +22.0% | +4.3% | +11.9% | +8.4% | -3.1% | +17.3% | +3.5% | — | — | — | |
| P/FCF | 9.09 | 8.13 | 13.53 | 6.50 | 7.73 | 7.40 | 11.71 | 5.86 | 7.53 | 7.58 | 8.40 | 6.66 | 6.11 | 7.09 | 6.07 | 7.81 | 6.22 | 9.03 | 6.22 | 5.64 | 5.23 |
| — | +9.8% | +15.5% | +10.9% | +2.7% | -2.3% | +39.4% | -12.1% | +23.2% | +7.0% | +38.4% | -14.7% | -1.8% | -21.5% | -2.4% | +38.6% | +19.1% | +49.6% | — | — | — | |
| EV / EBITDA | 7.37 | 7.22 | 7.48 | 6.66 | 6.28 | 6.61 | 6.32 | 6.06 | 5.87 | 5.63 | 5.16 | 6.13 | 5.64 | 4.93 | 4.55 | 4.05 | 5.36 | 3.72 | 3.35 | 4.41 | 4.47 |
| — | +9.2% | +18.4% | +10.0% | +7.1% | +17.4% | +22.4% | -1.2% | +3.9% | +14.2% | +13.5% | +51.3% | +5.3% | +32.6% | +35.8% | -8.1% | +19.7% | -27.8% | — | — | — | |
| EV / EBIT | 7.74 | 7.22 | 7.22 | 6.66 | 6.28 | 6.61 | 6.32 | 6.06 | 5.87 | 5.97 | 4.94 | 5.85 | 5.64 | 4.93 | 4.55 | 4.05 | 5.36 | 3.72 | 3.35 | 4.41 | 4.47 |
| — | +9.2% | +14.2% | +10.0% | +7.1% | +10.7% | +28.0% | +3.5% | +3.9% | +21.2% | +8.6% | +44.4% | +5.3% | +32.6% | +35.8% | -8.1% | +19.7% | -27.8% | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 91.1% | 84.9% | 89.5% | 88.1% | 94.3% | 71.5% | 74.4% | 72.9% | 73.0% | 78.1% | 86.8% | 75.1% | 71.8% | 75.6% | 81.8% | 84.6% | 70.8% | 93.6% | 100.0% | 82.6% | 76.1% |
| — | +18.7% | +20.4% | +20.8% | +29.2% | -8.4% | -14.3% | -2.8% | +1.6% | +3.3% | +6.1% | -11.2% | +1.4% | -19.3% | -18.2% | +2.4% | -7.0% | +40.1% | +53.5% | +38.5% | +70.5% | |
| Operating Margin | 69.8% | 64.9% | 69.3% | 68.4% | 71.6% | 67.4% | 70.4% | 68.9% | 68.8% | 74.1% | 78.6% | 70.6% | 67.4% | 71.3% | 77.2% | 79.9% | 66.1% | 88.9% | 95.4% | 77.9% | 71.4% |
| — | -3.7% | -1.6% | -0.7% | +4.0% | -9.1% | -10.4% | -2.4% | +2.1% | +4.0% | +1.8% | -11.6% | +2.1% | -19.9% | -19.1% | +2.6% | -7.5% | +42.8% | +58.7% | +41.7% | +77.8% | |
| Net Margin | 54.8% | 50.8% | 55.1% | 53.8% | 56.9% | 52.5% | 55.1% | 54.0% | 53.9% | 58.4% | 61.5% | 55.2% | 53.1% | 54.9% | 60.5% | 62.6% | 52.0% | 69.4% | 74.8% | 61.1% | 56.3% |
| — | -3.2% | +0.0% | -0.5% | +5.5% | -10.0% | -10.4% | -2.2% | +1.5% | +6.3% | +1.5% | -11.9% | +2.2% | -20.9% | -19.1% | +2.6% | -7.6% | +41.8% | +58.7% | +41.3% | +76.2% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.0% | 3.0% | 3.3% | 3.1% | 3.3% | 3.1% | 3.2% | 3.3% | 3.2% | 3.7% | 3.9% | 3.4% | 3.5% | 3.7% | 3.9% | 4.2% | 3.5% | 4.7% | 5.0% | 4.0% | 3.7% |
| — | -3.3% | +0.3% | -4.3% | +2.3% | -15.3% | -15.7% | -4.9% | -6.3% | -1.4% | -0.6% | -17.8% | -1.1% | -20.2% | -23.1% | +3.8% | -5.3% | +40.8% | +53.5% | — | +55.0% | |
| ROA | 10.0% | 2.3% | 2.5% | 2.4% | 2.6% | 2.4% | 2.5% | 2.5% | 2.5% | 2.8% | 2.9% | 2.6% | 2.6% | 2.8% | 2.9% | 3.0% | 2.5% | 3.3% | 3.5% | 2.8% | 2.6% |
| — | -3.5% | +1.0% | -3.1% | +3.9% | -14.2% | -14.3% | -2.8% | -3.9% | +1.3% | +1.7% | -15.4% | +2.6% | -17.2% | -19.4% | +8.1% | -2.7% | +43.7% | +56.6% | — | +58.5% | |
| ROIC | 12.1% | 2.7% | 2.9% | 2.9% | 3.0% | 2.9% | 3.0% | 3.1% | 3.0% | 3.5% | 3.6% | 3.2% | 3.2% | 3.6% | 3.6% | 3.8% | 3.2% | 4.3% | 4.6% | 3.6% | 3.3% |
| — | -5.5% | -3.4% | -5.2% | -0.2% | -16.1% | -16.1% | -4.8% | -5.6% | -3.4% | -0.1% | -16.4% | +1.9% | -16.7% | -20.3% | +7.3% | -3.4% | +45.4% | +56.7% | -95.7% | +54.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.15 | 0.15 | 0.15 | 0.15 | 0.16 | 0.17 | 0.17 | 0.17 | 0.17 | 0.19 | 0.18 | 0.18 | 0.18 | 0.19 |
| — | +2.5% | -3.1% | -4.0% | -8.6% | -5.1% | -7.4% | -8.3% | -8.3% | -11.7% | -9.5% | -8.5% | -11.8% | -7.3% | -6.4% | -5.5% | -0.5% | +2.4% | +0.5% | — | -5.4% | |
| Debt / EBITDA | 0.82 | 3.46 | 3.32 | 3.30 | 3.16 | 3.34 | 3.28 | 3.32 | 3.45 | 2.90 | 3.12 | 3.57 | 3.61 | 3.29 | 3.28 | 3.13 | 3.93 | 2.88 | 2.71 | 3.33 | 3.74 |
| — | +3.6% | +1.3% | -0.7% | -8.5% | +15.4% | +5.0% | -7.0% | -4.4% | -12.1% | -4.7% | +14.2% | -8.1% | +14.3% | +20.9% | -6.0% | +5.3% | -27.0% | -34.2% | — | -38.6% | |
| Current Ratio | 6.86 | 9.49 | 83.68 | 7.00 | 6.86 | 6.17 | 6.49 | 6.34 | 5.50 | 5.95 | 5.76 | 4.74 | 4.31 | 4.47 | 4.21 | 3.52 | 2.69 | 2.70 | 2.78 | 2.03 | 1.90 |
| — | +54.0% | +1188.8% | +10.3% | +24.7% | +3.7% | +12.8% | +33.8% | +27.5% | +33.1% | +36.8% | +34.8% | +60.1% | +65.3% | +51.4% | +73.0% | +41.8% | +39.2% | +53.1% | — | +36.4% | |
| Quick Ratio | 6.86 | 9.49 | 83.68 | 7.00 | 6.86 | 6.17 | 6.49 | 6.34 | 5.50 | 5.95 | 5.76 | 4.74 | 4.31 | 4.47 | 4.21 | 3.52 | 2.69 | 2.70 | 2.78 | 2.03 | 1.90 |
| — | +54.0% | +1188.8% | +10.3% | +24.7% | +3.7% | +12.8% | +33.8% | +27.5% | +33.1% | +36.8% | +34.8% | +60.1% | +65.3% | +51.4% | +73.0% | +41.8% | +39.2% | +53.1% | — | +36.4% | |
| Interest Coverage | 18.19 | 17.28 | 18.62 | 18.25 | 18.90 | 17.27 | 18.44 | 18.20 | 17.95 | 19.67 | 18.21 | 16.89 | 16.43 | 17.47 | 17.58 | 18.18 | 14.79 | 20.00 | 21.40 | 17.43 | 16.26 |
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Includes 30+ ratios · 27 years · Updated daily
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Quick answers to the most common questions about buying ACT stock.
Enact Holdings Inc.'s current P/E is 9.5x. The average P/E over the last 4 quarters is 8.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Enact Holdings Inc.'s current operating margin is 69.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Enact Holdings Inc.'s business trajectory between earnings reports.