Enact Holdings Inc. (ACT) Next Earnings Date & Expected ±4.6% Move

Per the Roarable RQD rating, ACT scores 73 out of 100, a letter grade of B, with the verdict label "Roarable Buy — Good Risk/Reward." The five pillars are:

• Fundamental Cash Engine (14/20): Cited with ROIC of 12.6% and FCF yield of 10.97%. For an investor, this pillar indicates the business is generating meaningful cash relative to its market value, which supports the valuation case. It is a strength, but not the top-scoring pillar.
• Whale 13F Flow (14/20): Reflects institutional accumulation and options positioning. The score is moderate, suggesting institutional interest is present but not dominant. Specific holder data is not available in source data.
• Insider Conviction (17/20): The highest-scoring pillar, based on SEC Form 4 and Congressional PTR cluster flow. Per the rating, this is the strongest signal in the scorecard, indicating insider activity that the rating treats as constructive. The underlying individual transactions are not itemized in the source data.
• Macro Regime Fit (15/20): Reflects beta of 1.0 and sector sensitivity. A beta of 1.0 implies market-like volatility, so the stock's direction in a macro shift would track broad market moves rather than amplify them.
• Forensic Balance Sheet (13/20): Cited with Altman Z-Score of 2.5, Piotroski F-Score of 4/9, and Debt/Equity of 0.5. This is the weakest pillar, and an investor should note that the Piotroski score of 4 out of 9 signals only modest financial-health strength.

Taken together, the rating suggests a stock with solid cash generation and constructive insider signals, offset by a middling balance-sheet and institutional-flow profile. The valuation tradeoff is visible in the market data: a trailing P/E of 9.8 and forward P/E of 9.1 are low in absolute terms, and the free-cash-flow yield is high, but these figures do not by themselves confirm that the market is mispricing the shares. The 52-week range of $35.24 to $50.56 places the current price of $48.06 near the upper end of that band, so some of the valuation discount is already reflected in the price trend.

Per the SEC financials, revenue rose from $1153.7M in FY 2023 to $1235.8M in FY 2025, while net income moved from $665.5M to $674.2M after peaking at $688.1M in FY 2024. Free cash flow grew across the three periods, from $632.0M to $724.5M. Per the market data, the net margin is 54.6%, while gross and operating margins are reported as 0%, which the source data does not reconcile with the reported operating income of $0.0M. ROIC is 12.6%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 4/9, per the Roarable RQD rating. Debt/Equity is 0.5, and FY 2025 cash is $582.5M.

• Market wire (YELLOW): A Yahoo Finance item titled "What Makes Enact Holdings (ACT) a New Buy Stock" and a Yahoo Finance item on earnings growth expectations are flagged as market-wire items without specific figures in the summaries.
• Risk watch (RED): A TradingView item reports a 12-month price target cut to $47.2, which the headline indicates implies 2% downside from the current price. A Seeking Alpha item reports J.P. Morgan cutting ACT to Underweight citing premium valuation.
• Market wire (YELLOW): An Investing.com item asks why the stock is down 2.5% that day, and a Simply Wall St item describes the stock as hard to call despite a regulatory overhang.
• Butterfly graph: Supply-chain status is NONE, with no butterfly links or proprietary signals in the source data.

• What is the specific nature of the regulatory overhang referenced in the news summaries, and which parties does it affect?
• Why are gross and operating margins reported as 0% while net margin is 54.6%, and how do these figures reconcile with reported operating income of $0.0M?
• What are the EPS, debt, and operating income figures for the reported fiscal periods, which are listed as N/A or $0.0M?
• What is the business model detail behind the revenue figures, including product lines and customer segments?
• Which specific insiders and institutions drove the accumulation signals referenced in the RQD pillars?