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ACT vs. FNF: A Head-to-Head Stock Comparison

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Here’s a clear look at ACT and FNF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolACTFNF
Company NameEnact Holdings, Inc.Fidelity National Financial, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesInsurance
Market Capitalization5.62 billion USD16.45 billion USD
ExchangeNasdaqGSNYSE
Listing DateSeptember 16, 2021October 14, 2005
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of ACT and FNF by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

ACT vs. FNF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolACTFNF
5-Day Price Return1.14%1.97%
13-Week Price Return6.75%11.31%
26-Week Price Return15.83%1.80%
52-Week Price Return8.02%2.45%
Month-to-Date Return9.70%7.27%
Year-to-Date Return17.76%7.82%
10-Day Avg. Volume0.24M1.10M
3-Month Avg. Volume0.40M1.72M
3-Month Volatility21.21%25.04%
Beta0.551.08

Profitability

Return on Equity (TTM)

ACT

13.29%

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

ACT’s Return on Equity of 13.29% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

FNF

13.62%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

FNF’s Return on Equity of 13.62% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

ACT vs. FNF: A comparison of their Return on Equity (TTM) against their respective Financial Services and Insurance industry benchmarks.

Net Profit Margin (TTM)

ACT

55.35%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

ACT’s Net Profit Margin of 55.35% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

FNF

7.90%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

FNF’s Net Profit Margin of 7.90% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

ACT vs. FNF: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Insurance industry benchmarks.

Operating Profit Margin (TTM)

ACT

74.60%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

An Operating Profit Margin of 74.60% places ACT in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

FNF

12.32%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

ACT vs. FNF: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Insurance industry benchmarks.

Profitability at a Glance

SymbolACTFNF
Return on Equity (TTM)13.29%13.62%
Return on Assets (TTM)10.18%1.10%
Net Profit Margin (TTM)55.35%7.90%
Operating Profit Margin (TTM)74.60%12.32%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

ACT

--

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

FNF

0.37

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ACT vs. FNF: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

ACT

0.14

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

FNF

0.56

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

ACT vs. FNF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

ACT

18.16

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

FNF

9.33

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

ACT vs. FNF: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Financial Strength at a Glance

SymbolACTFNF
Current Ratio (MRQ)--0.37
Quick Ratio (MRQ)--0.00
Debt-to-Equity Ratio (MRQ)0.140.56
Interest Coverage Ratio (TTM)18.169.33

Growth

Revenue Growth

ACT vs. FNF: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

ACT vs. FNF: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

ACT

2.09%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
Min
0.00%

ACT’s Dividend Yield of 2.09% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

FNF

3.34%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

FNF’s Dividend Yield of 3.34% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

ACT vs. FNF: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

ACT

17.25%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
Min
0.00%

ACT’s Dividend Payout Ratio of 17.25% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

FNF

50.32%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

FNF’s Dividend Payout Ratio of 50.32% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

ACT vs. FNF: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Dividend at a Glance

SymbolACTFNF
Dividend Yield (TTM)2.09%3.34%
Dividend Payout Ratio (TTM)17.25%50.32%

Valuation

Price-to-Earnings Ratio (TTM)

ACT

8.25

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

In the lower quartile for the Financial Services industry, ACT’s P/E Ratio of 8.25 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

FNF

15.06

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

FNF’s P/E Ratio of 15.06 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

ACT vs. FNF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

ACT

4.57

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

FNF

1.19

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

FNF’s P/S Ratio of 1.19 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

ACT vs. FNF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

ACT

1.07

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

ACT’s P/B Ratio of 1.07 is within the conventional range for the Financial Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

FNF

1.95

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

FNF’s P/B Ratio of 1.95 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

ACT vs. FNF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Insurance industry benchmarks.

Valuation at a Glance

SymbolACTFNF
Price-to-Earnings Ratio (TTM)8.2515.06
Price-to-Sales Ratio (TTM)4.571.19
Price-to-Book Ratio (MRQ)1.071.95
Price-to-Free Cash Flow Ratio (TTM)7.982.41