A
Enact Holdings, Inc. — Earnings Quality Grade A
ACT · Financial Services
Strong financial health
Revenue
$1.2B
2025
Net Income
$674M
2025
Gross Margin
—
Free Cash Flow
$725M
01
Screening Summary
11
Passed
0
Watch
0
Failed
—
M-Score
Management Signals
No recent CEO, CFO, board, or accounting leadership signals found in SEC 8-K filings.
02
Financial Trends
Revenue & Net Income ($B)
Margins (%)
03
18-Point Screening
01
Revenue Quality
✓
A1DSO Change
DSO 14 days, change -2 days YoY
✓
A2AR vs Revenue Growth
AR growth -13.0% vs revenue growth 2.8%
✓
A3Revenue vs CFFO
Revenue 2.8%, CFFO 5.6%. Cash follows revenue
02
Expense Quality
✓
B1Inventory vs COGS
No material inventory
—
B2CapEx vs Revenue
Insufficient data
—
B3SG&A Ratio
Insufficient data
—
B4Gross Margin
Insufficient data
03
Cash Flow Quality
✓
C1CFFO vs Net Income
CFFO/NI = 1.07. Profits backed by cash
✓
C2Free Cash Flow
FCF $0.7B, FCF/NI = 1.07
✓
C3Accruals Ratio
Accruals ratio = -0.7%. Low accruals
✓
C4Cash vs Debt
Cash $2.4B covers debt $0.7B
04
Balance Sheet Health
✓
D1Goodwill + Intangibles
No goodwill. Clean balance sheet
—
D2Leverage
Insufficient data
—
D3Soft Asset Growth
Insufficient data
—
D4Asset Impairment
No write-off data
05
Acquisition Risk
✓
E1Serial Acquirer FCF
FCF after acquisitions positive
✓
E2Goodwill Surge
No goodwill
06
Manipulation Score
—
F1Beneish M-Score
Insufficient data
Altman Z-Score — Not Applicable
Enact Holdings, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25