Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Enact Holdings, Inc., Palomar Holdings or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Enact Holdings, Inc., Palomar Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Enact Holdings, Inc., Palomar Holdings and Inc.

Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company engages in writing and assuming residential mortgage guaranty insurance. It also offers private mortgage insurance products insuring prime-based, individually underwritten residential mortgage loans; pool mortgage insurance; contract underwriting services; and mortgage-related reinsurance products. The company serves large money center banks, non-bank lenders, national and local mortgage bankers, community banks, and credit unions. The company was formerly known as Genworth Mortgage Holdings, Inc. and changed its name to Enact Holdings, Inc. in May 2021. Enact Holdings, Inc. was founded in 1981 and is headquartered in Raleigh, North Carolina. Enact Holdings, Inc. is a subsidiary of Genworth Holdings Inc.

Palomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to individuals and businesses in the United States. The company offers personal and commercial specialty insurance products, including residential and commercial earthquake; fronting; and inland marine and other property products, such as inland marine, Hawaii hurricane, excess national property, residential flood, and other property products, as well as assumed reinsurance and crop insurance products. It markets and distributes its products through retail agents, program administrators, wholesale brokers, and strategic partnerships. The company was formerly known as GC Palomar Holdings and changed its name to Palomar Holdings, Inc. The company was incorporated in 2013 and is headquartered in La Jolla, California.

Latest Financial Services and Enact Holdings, Inc., Palomar Holdings, Inc. Stock News

As of July 31, 2026, Enact Holdings, Inc. had a $6.6 billion market capitalization, compared to the Financial Services median of $2.4 million. Enact Holdings, Inc.’s stock is up 19.4% in 2026, up 1.2% in the previous five trading days and up 37.48% in the past year.

Currently, Enact Holdings, Inc.’s price-earnings ratio is 10.2. Enact Holdings, Inc.’s trailing 12-month revenue is $1.2 billion with a 54.5% net profit margin. Year-over-year quarterly sales growth most recently was 1.7%. Analysts expect adjusted earnings to reach $4.748 per share for the current fiscal year. Enact Holdings, Inc. currently has a 2.0% dividend yield.

As of July 31, 2026, Palomar Holdings, Inc. had a $3.6 billion market cap, putting it in the 62nd percentile of all stocks. Palomar Holdings, Inc.’s stock is down 0.7% in 2026, down 2.7% in the previous five trading days and up 2.68% in the past year.

Currently, Palomar Holdings, Inc.’s price-earnings ratio is 18.7. Palomar Holdings, Inc.’s trailing 12-month revenue is $980.3 million with a 20.1% net profit margin. Year-over-year quarterly sales growth most recently was 59.7%. Analysts expect adjusted earnings to reach $9.885 per share for the current fiscal year. Palomar Holdings, Inc. does not currently pay a dividend.

How We Compare Enact Holdings, Inc., Palomar Holdings and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Enact Holdings, Inc., Palomar Holdings and Inc.’s stock grades to see how they measure up against one another.

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Enact Holdings, Inc., Palomar Holdings and Inc. Growth Grades

Company	Ticker	Growth
Enact Holdings, Inc.	ACT	B
Palomar Holdings, Inc.	PLMR	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Enact Holdings, Inc. has a Growth Score of 73, which is Strong. Palomar Holdings, Inc. has a Growth Score of 69, which is Strong.

The Growth Grade Winner: It’s a Tie!

Looking at the Growth Grade breakdown above, both Enact Holdings, Inc., Palomar Holdings and Inc. have a grade of B. For investors who focus solely on a company’s upward growth, further research should be conducted into both companies’ other financial metrics before deciding whether to invest.

Enact Holdings, Inc., Palomar Holdings and Inc.’s Quality Grades

Company	Ticker	Quality
Enact Holdings, Inc.	ACT	B
Palomar Holdings, Inc.	PLMR	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Enact Holdings, Inc. has a Quality Score of 80, which is Strong. Palomar Holdings, Inc. has a Quality Score of 36, which is Weak.

The Quality Grade Winner: Enact Holdings, Inc.

As you can clearly see from the Quality Grade breakdown above, Enact Holdings, Inc. has a better overall quality grade than Palomar Holdings, Inc.. For investors who are looking for companies with higher quality than others in the same industry, Enact Holdings, Inc. could be a good stock to add to their portfolios. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Enact Holdings, Inc., Palomar Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
Enact Holdings, Inc.	ACT	B
Palomar Holdings, Inc.	PLMR	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Enact Holdings, Inc. has a Momentum Score of 69, which is Strong. Palomar Holdings, Inc. has a Momentum Score of 49, which is Average.

The Momentum Grade Winner: Enact Holdings, Inc.

As you can clearly see from the Momentum Grade breakdown above, Enact Holdings, Inc. is considered to have stronger momentum compared to Palomar Holdings, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Enact Holdings, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Enact Holdings, Inc., Palomar Holdings and Inc. Grades

In addition to Quality, Growth and Momentum, A+ Investor also provides grades for Value and Estimate Revisions.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Enact Holdings, Inc., Palomar Holdings and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Enact Holdings, Inc., Palomar Holdings or Inc. Stock?

Overall, Enact Holdings, Inc. stock has a Growth Score of 73, Momentum Score of 69 and Quality Score of 80.

Palomar Holdings, Inc. stock has a Growth Score of 69, Momentum Score of 49 and Quality Score of 36.

Comparing Enact Holdings, Inc., Palomar Holdings and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.