ACT vs KMX

Comparison between Enact Holdings Inc (ACT, Company) and Carmax Inc (KMX, Company).

ACT is from the Financial Services sector, while KMX is from the Consumer Cyclical sector.

5-Year PerformanceACT has outperformed KMX, delivering a return of +21.7% compared to -17.4%

ACT vs KMX - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ACT(COMPANY)	KMX(COMPANY)
Market Cap	$5.98B	$6B
Max Drawdown	21.87%	80.06%
Sharpe Ratio	0.68	-0.43
5Y Beta	0.40	1.19
Industry	Insurance - Specialty	Auto & Truck Dealerships
P/E Ratio	9.08	26.00
Forward P/E	8.25	18.90
PEG Ratio	2.26	0.44
Dividend Yield	2.01%	N/A
5Y EPS CAGR	N/A	-18.66%
Debt to Equity	13.94%	296.80%
Free Cash Flow Yield	12.07%	20.73%
P/S Ratio	4.74	0.22
P/B Ratio	1.10	1.02

Market Cap

ACT

$5.98B

Winner

KMX

$6B

Max Drawdown

Winner

ACT

21.87%

KMX

80.06%

Sharpe Ratio

Winner

ACT

0.68

KMX

-0.43

5Y Beta

Winner

ACT

0.40

KMX

1.19

Industry

ACT

Insurance - Specialty

KMX

Auto & Truck Dealerships

P/E Ratio

Winner

ACT

9.08

KMX

26.00

Forward P/E

Winner

ACT

8.25

KMX

18.90

PEG Ratio

ACT

2.26

Winner

KMX

0.44

Dividend Yield

ACT

2.01%

KMX

N/A

5Y EPS CAGR

ACT

N/A

KMX

-18.66%

Debt to Equity

Winner

ACT

13.94%

KMX

296.80%

Free Cash Flow Yield

ACT

12.07%

Winner

KMX

20.73%

P/S Ratio

ACT

4.74

Winner

KMX

0.22

P/B Ratio

ACT

1.10

Winner

KMX

1.02

ACT vs KMX - Historical Returns

Returns include dividend reinvestment.

Period	ACT	KMX
1 month	-2.99%	+16.78%
3 months	-2.63%	+7.62%
6 months	+6.67%	+16.69%
1 year	+20.01%	-29.91%
5 years(CAGR)	+21.74%	-17.36%
10 years(CAGR)	N/A	-1.45%
Max(CAGR)	+21.74%	+13.83%

ACT

-2.99%

Winner

KMX

+16.78%

ACT

-2.63%

Winner

KMX

+7.62%

ACT

+6.67%

Winner

KMX

+16.69%

Winner

ACT

+20.01%

KMX

-29.91%

5Y(CAGR)

Winner

ACT

+21.74%

KMX

-17.36%

10Y(CAGR)

ACT

N/A

KMX

-1.45%

Max(CAGR)

Winner

ACT

+21.74%

KMX

+13.83%

ACT vs KMX - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ACT	KMX
2026	+4.82%	+14.52%
2025	+25.43%	-52.43%
2024	+16.49%	+7.30%
2023	+25.34%	+26.55%
2022	+20.99%	-52.06%
2021	+6.61%	+39.58%
2020	N/A	+5.53%
2019	N/A	+39.23%
2018	N/A	-3.13%
2017	N/A	-1.06%
2016	N/A	+22.95%
2015	N/A	-18.81%
2014	N/A	+41.96%
2013	N/A	+24.66%
2012	N/A	+23.00%
2011	N/A	-5.93%
2010	N/A	+32.94%
2009	N/A	+191.47%
2008	N/A	-60.74%
2007	N/A	-28.56%
2006	N/A	+87.71%
2005	N/A	-8.34%
2004	N/A	+1.87%
2003	N/A	+73.08%
2002	N/A	-20.36%
2001	N/A	+468.50%
2000	N/A	+75.02%
1999	N/A	-19.55%

ACT vs KMX Drawdown Comparison

The maximum drawdown for ACT was -20.26%, occurring on Sep 27, 2022. Recovery took 202 trading sessions.

The maximum drawdown for KMX was -80.06%, occurring on Nov 6, 2025. This drawdown has not yet recovered.

The current ACT drawdown is -6.46%. The current KMX drawdown is -70.94%.

Rank	ACT	KMX
#1	-20.26% Aug 17, 2022 - Jun 7, 2023	-80.06% Nov 9, 2021 - Nov 6, 2025
#2	-16.25% Jun 3, 2022 - Aug 3, 2022	-78.70% Jan 24, 2007 - Oct 8, 2010
#3	-15.33% Sep 19, 2024 - May 2, 2025	-62.01% May 9, 2002 - Jul 11, 2003
#4	-13.95% Feb 10, 2022 - Mar 25, 2022	-56.56% Feb 20, 2020 - Aug 10, 2020
#5	-13.28% Nov 4, 2021 - Jan 12, 2022	-53.98% Dec 2, 1999 - Mar 27, 2000
#6	-10.96% Sep 11, 2025 - Nov 25, 2025	-52.99% Oct 14, 2003 - Sep 12, 2006
#7	-10.27% Apr 20, 2022 - Jun 2, 2022	-51.20% Jul 18, 2001 - Nov 6, 2001
#8	-9.88% Dec 27, 2023 - Mar 11, 2024	-43.60% Apr 2, 2015 - Sep 27, 2017
#9	-9.02% Jul 3, 2025 - Aug 13, 2025	-43.54% Mar 28, 2000 - Aug 2, 2000
#10	-9.00% Mar 29, 2022 - Apr 18, 2022	-36.44% Feb 18, 2011 - Dec 20, 2012
#11	-8.69% Aug 7, 2023 - Dec 14, 2023	-34.12% Sep 7, 2000 - Feb 13, 2001
#12	-8.65% Feb 5, 2026 - Apr 28, 2026	-29.70% Sep 12, 2018 - Jun 10, 2019
#13	-7.70% May 2, 2025 - Jun 23, 2025	-23.49% Oct 6, 2017 - Jun 22, 2018
#14	-6.96% Sep 29, 2021 - Oct 19, 2021	-22.29% Jun 4, 2001 - Jul 17, 2001
#15	-6.93% Jan 8, 2026 - Feb 4, 2026	-20.55% Aug 24, 2020 - Jan 19, 2021