ACT trades 3.1% above Wall Street's consensus target of $45.00.
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 9.6x. 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 November 8, 2026, Enact Holdings Inc. (ACT) has a Wall Street consensus price target of $45.00, based on estimates from 9 covering analysts. With the stock currently trading at $46.43, this represents a potential downside of -3.1%. The company has a market capitalization of $6.48B.
Analyst price targets range from a low of $44.00 to a high of $46.00, representing a 4% spread in expectations. The median target of $45.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 2 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 2 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, ACT trades at a trailing P/E of 9.5x and forward P/E of 9.6x. The forward PEG ratio of 0.65 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -1.0% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $53.46, with bear and bull scenarios of $33.68 and $70.44 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 | $5.9B | $28.60 | $31.50 | +10.1% | Buy | 8.8x | 22 |
 RDNRadian Group Inc. | $4.8B | $35.97 | $41.00 | +14.0% | Buy | 7.4x | 22 |
 ESNTEssent Group Ltd. | $5.8B | $63.41 | $70.00 | +10.4% | Buy | 8.4x | 19 |
 NMIHNMI Holdings, Inc. | $3.0B | $39.03 | $49.50 | +26.8% | Buy | 7.4x | 21 |
 PFSIPennyMac Financial Services, Inc. | $3.4B | $65.59 | $81.00 | +23.5% | Buy | 17.7x | 21 |
 FAFFirst American Financial Corporation | $6.8B | $67.01 | $76.50 | +14.2% | Buy | 9.9x | 15 |
 FNFFidelity National Financial, Inc. | $11.8B | $43.84 | $54.33 | +23.9% | Buy | 8.9x | 17 |
 STCStewart Information Services Corporation | $1.4B | $47.00 | $78.50 | +67.0% | Buy | 9.4x | 10 |
 ITICInvestors Title Company | $484M | $256.37 | — | — | — | 42.1x | — |
 UWMCUWM Holdings Corporation | $236M | $1.52 | $2.25 | +48.0% | Hold | 14.9x | 16 |
Quick answers to the most common questions about buying ACT stock.
Wall Street's consensus price target for ACT is $45, -3.1% from its current price of $46.43. 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 5 Hold ratings making up the largest segment. The consensus 12-month price target of $45 implies -3.1% downside from current levels.
With a forward P/E of 9.6306x, ACT trades at a relatively low valuation. The consensus target of $45 implies -3.1% 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 $44. The consensus of $45 represents the median expectation. Our quantitative valuation model projects a bull case target of $70 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, 2 have Buy ratings, 5 recommend Hold, and 2 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 $45, with estimates ranging from $44 (bear case) to $46 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $53, with bear/bull scenarios of $34/$70.
Our quantitative valuation model calculates ACT's fair value at $53 (base case), with a bear case of $34 and bull case of $70. 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 9.6x based on next-twelve-months earnings estimates compared to a trailing P/E of 9.5x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on ACT, with 2 Sell ratings and a price target of $45 (-3.1% 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 $44 to $46, a 4% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $45 consensus represents the middle ground. Our model's $34-$70 range provides an independent fundamental perspective.
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