Provides private mortgage insurance to lenders. Insures residential mortgage loans, primarily prime-based loans. Now — the numbers.
This is an established company with proven profits.
The market pays 10.2× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 86% of them.
Analysts' average target sits 7% below today's price.
Buys outnumber sells, but taken together the trades don’t add up to a strong signal of confidence.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 55% — still a thick cushion, though costs have been eating into it lately.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
It pays out $0.90 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales grew only 2% a year on average. At this size, speeding back up is not easy.
The growth engine is running at low revs right now. Report-card grade: 43/100.
No clear buy-side message is coming from the executive floor.
On our five-subject report card, ACT sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: ACT is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.