ACT trades 3.7% above Wall Street's consensus target of $46.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes ACT achieves its forward estimates and maintains a stable P/E multiple of 9.9x. This scenario reflects the blended consensus of 9 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Enact Holdings Inc. (ACT) has a Wall Street consensus price target of $46.00, based on estimates from 9 covering analysts. With the stock currently trading at $47.75, this represents a potential downside of -3.7%. The company has a market capitalization of $6.67B.
Analyst price targets range from a low of $46.00 to a high of $46.00, representing a 0% spread in expectations. The median target of $46.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 3 analysts rating the stock as a Buy or Strong Buy,6 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, ACT trades at a trailing P/E of 10.6x and forward P/E of 9.9x. The forward PEG ratio of 0.67 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -1.4% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $47.80, with bear and bull scenarios of $30.12 and $62.99 respectively. Model confidence stands at 46/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 MTGMGIC Investment Corporation | $6.0B | $29.30 | $31.50 | +7.5% | Buy | 9.1x | 22 |
 RDNRadian Group Inc. | $4.6B | $34.54 | $41.00 | +18.7% | Buy | 7.1x | 22 |
 ESNTEssent Group Ltd. | $6.0B | $65.45 | $70.00 | +7.0% | Buy | 8.8x | 19 |
 NMIHNMI Holdings, Inc. | $3.2B | $42.19 | $49.50 | +17.3% | Buy | 8.0x | 20 |
 PFSIPennyMac Financial Services, Inc. | $3.4B | $65.61 | $89.80 | +36.9% | Buy | 12.2x | 21 |
 FAFFirst American Financial Corporation | $7.0B | $68.09 | $83.00 | +21.9% | Buy | 9.8x | 15 |
 FNFFidelity National Financial, Inc. | $11.3B | $41.85 | $56.00 | +33.8% | Buy | 8.2x | 17 |
 STCStewart Information Services Corporation | $1.9B | $61.98 | $87.00 | +40.4% | Hold | 11.4x | 8 |
 ITICInvestors Title Company | $549M | $290.86 | — | — | — | 47.8x | — |
 UWMCUWM Holdings Corporation | $190M | $1.22 | $2.90 | +137.7% | Hold | 6.4x | 15 |
Quick answers to the most common questions about buying ACT stock.
Wall Street's consensus price target for ACT is $46, -3.7% from its current price of $47.75. The below-market target from 9 analysts suggests limited near-term appreciation.
ACT has a consensus rating of "Hold" based on 9 Wall Street analysts. The rating breakdown is mixed, with 6 Hold ratings making up the largest segment. The consensus 12-month price target of $46 implies -3.7% downside from current levels.
With a forward P/E of 9.9477x, ACT trades at a relatively low valuation. The consensus target of $46 implies -3.7% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $46 for ACT, while the most conservative target is $46. The consensus of $46 represents the median expectation. Our quantitative valuation model projects a bull case target of $63 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
ACT is moderately covered, with 9 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 6 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month ACT stock forecast based on 9 Wall Street analysts shows a consensus price target of $46, with estimates ranging from $46 (bear case) to $46 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $48, with bear/bull scenarios of $30/$63.
Our quantitative valuation model calculates ACT's fair value at $48 (base case), with a bear case of $30 and bull case of $63. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 46/100.
ACT trades at a forward P/E ratio of 9.9x based on next-twelve-months earnings estimates compared to a trailing P/E of 10.6x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on ACT, with 0 Sell ratings and a price target of $46 (-3.7% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
ACT analyst price targets range from $46 to $46, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $46 consensus represents the middle ground. Our model's $30-$63 range provides an independent fundamental perspective.
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