` Comparison: ACT, PFSI - Alpha Spread

ACT
vs
PFSI

Over the past 12 months, ACT has underperformed PFSI, delivering a return of +24% compared to the PFSI's +30% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ACT
PFSI
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Stocks Compared:
ACT PFSI
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Valuation Comparison

ACT Intrinsic Value
53.99 USD
Undervaluation 25%
Intrinsic Value
Price
PFSI Intrinsic Value
292.53 USD
Undervaluation 55%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Enact Holdings Inc
NASDAQ:ACT
40.62 USD
PennyMac Financial Services Inc
NYSE:PFSI
132.41 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ACT, PFSI

ACT
PFSI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Enact Holdings Inc
Revenue
PennyMac Financial Services Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ACT, PFSI

ACT
PFSI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Enact Holdings Inc
NASDAQ:ACT
FCF is not applicable for financial companies
PennyMac Financial Services Inc
NYSE:PFSI
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What is Free Cash Flow?

Gross Margin

ACT
PFSI
68.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Operating Margin

ACT
PFSI
19%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Net Margin

ACT
53.9%
PFSI
17.2%

FCF Margin

ACT
PFSI
-67.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
PennyMac Financial Services Inc

ROE

ACT
12.8%
PFSI
12.6%

ROA

ACT
9.8%
PFSI
2.1%

ROIC

ACT
PFSI
2.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
PennyMac Financial Services Inc

ROCE

ACT
PFSI
3.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ACT, PFSI

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ACT
PFSI
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ACT, PFSI

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ACT
PFSI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ACT, PFSI

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PFSI
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