Enact Holdings, Inc.

Listed Company

ACTCIK 0001823529NasdaqLarge AcceleratedInsurance Agents, Brokers & ServiceDelawareFY ends Dec 31

Period

FY 2025

Revenue

$1.24B

Net Income

—

Total Assets

$6.89B

Equity

$5.36B

Shares Out

139.60M

Op. Cash Flow

$724.52M

ACT$46.51+32.62% · past yearDBEQ Basic

Daily closing prices

Business

Enact Holdings, Inc. is a leading private mortgage insurance company serving the United States housing finance market since 1981. It writes and assumes residential mortgage guaranty insurance covering a portion of unpaid principal on low down payment loans, protecting lenders and investors against losses from loan defaults. Enact operates through multiple subsidiaries including Enact Mortgage Insurance Corporation (EMICO) and Enact Re Ltd., serving approximately 1,600 customers across all 50 states and the District of Columbia with primary and pool mortgage insurance products, contract underwriting services, and risk transfer through its credit risk transfer program.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Premiums	981	980	957	939	975
Net investment income	266	241	207	155	141
Net investment gains (losses)	−16	−23	−14	−2	−2
Other income	5	4	3	2	4
Total revenues	1,236	1,202	1,154	1,095	1,118
Losses incurred	110	39	27	−94	125
Acquisition and operating expenses, net of deferrals	208	213	212	227	231
Amortization of deferred acquisition costs and intangibles	9	10	11	12	15
Interest expense	50	51	52	52	51
Total losses and expenses	377	324	302	197	423
Income before income taxes	859	878	852	898	695
Provision for income taxes	185	190	186	194	149
Net income	674	688	666	704	547
Basic (in usd per share)	4.54	4.4	4.14	4.32	3.36
Diluted (in usd per share)	4.52	4.37	4.11	4.31	3.36
Basic (in shares)	148	156	161	163	163
Diluted (in shares)	149	158	162	163	163
Gain (loss) on extinguishment of debt	0	11	0	0	—

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Fixed maturity securities available-for-sale, fair value	6,051	5,625	5,266	4,885	5,266
Short-term investments	0	3	20	3	0
Total investments	6,051	5,628	5,286	4,888	5,266
Cash and cash equivalents	582	599	616	514	426
Accrued investment income	56	50	42	36	31
Deferred acquisition costs	22	24	25	26	27
Premiums receivable	46	53	45	42	42
Other assets	116	103	88	76	73
Deferred tax asset	20	65	88	127	0
Total assets	6,893	6,522	6,190	5,709	5,866
Liability for Claims and Claims Adjustment Expense	572	525	518	519	641
Unearned premiums	92	115	149	203	246
Other liabilities	130	143	145	144	131
Long-term borrowings	744	743	745	743	740
Total liabilities	1,538	1,525	1,558	1,608	1,760
Common stock, $0.01 par value; 600,000 shares authorized; 142,209 and 152,318 shares issued and outstanding as of December 31, 2025 and 2024, respectively	1	2	2	2	2
Additional paid-in capital	1,706	2,077	2,311	2,382	2,372
Accumulated other comprehensive income	−30	−207	−230	−383	84
Retained earnings	3,677	3,125	2,550	2,100	1,648
Total equity	5,355	4,996	4,632	4,101	4,106
Total liabilities and equity	6,893	6,522	6,190	5,709	5,866

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Amortization of fixed maturity securities discounts and premiums	−14	−12	−7	−3	−8
Acquisition costs deferred	−5	−6	−6	−7	−7
Deferred income taxes	8	4	−2	−2	−1
Stock-based compensation expense	19	19	15	10	1
Amortization of debt issuance costs	1	2	3	2	2
Accrued investment income	−6	−8	−6	−5	−2
Premiums receivable	7	−8	−3	528,000	4
Other assets	−17	1	1	−2	−7
Loss reserves	48	7	−817,000	−122	86
Unearned premiums	−23	−35	−53	−44	−61
Other liabilities	7	−10	494,000	14	1
Net cash provided by operating activities	725	686	632	561	572
Purchases of fixed maturity securities available-for-sale	−1,896	−1,606	−1,018	−1,216	−1,583
Payments to acquire limited partnership and equity interests	−1	−6	0	—	—
Proceeds from sales of fixed maturity securities available-for-sale	764	554	423	535	499
Maturities of fixed maturity securities available-for-sale	912	735	396	471	713
Change in short-term investments	3	17	−17	−3	0
Other	−8	−16	−14	0	0
Net cash used in investing activities	−226	−321	−229	−220	−399
Proceeds from the issuance of long-term debt	0	750	0	0	0
Payments of Debt Issuance Costs	0	−7	0	0	—
Early Repayment of Senior Debt	0	−758	0	0	—
Repurchase of common stock	−382	−244	−88	−2	0
Dividends paid	−121	−112	−213	−251	−200
Proceeds from (Payment for) Other Financing Activity	−12	−11	0	0	—
Net cash used in financing activities	−515	−382	−301	−252	−200
Net increase (decrease) in cash and cash equivalents	−17	−16	102	88	−27
Income taxes paid	191	189	182	186	146
Interest paid	47	63	49	49	48

Filings

Filing historySign up free to browse every 10-K, 10-Q, 8-K, and proxy this filer has submitted to the SEC.Sign up free · Upgrade to Pro

Material Events

Material EventsTrack every 8-K filing and material event — AI-summarized, timelined, and alertable.Sign up free · Upgrade to Pro

Insiders

Insider ActivitySee executive buy/sell windows and insider trade activity over rolling 30/90/365-day windows.Sign up free · Upgrade to Pro

Institutional Holders

Institutional HoldersSee which funds hold this stock and track position changes quarter over quarter.Sign up free · Upgrade to Pro

Frequently asked questions

What is Enact Holdings, Inc.'s CIK number?

Enact Holdings, Inc.'s SEC CIK number is 0001823529 (1823529). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Enact Holdings, Inc.'s SEC filings?

All of Enact Holdings, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Enact Holdings, Inc. last report earnings?

Enact Holdings, Inc. (ACT) most recently filed an earnings 8-K with the SEC on May 5, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001823529-26-000106). This is Enact Holdings, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is Enact Holdings, Inc.'s most recent earnings 8-K?

Enact Holdings, Inc.'s latest earnings 8-K (Item 2.02) was filed May 5, 2026 under accession 0001823529-26-000106. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Enact Holdings, Inc.'s latest earnings 8-K →
Look up any company's CIK number →