Inferra AI / Company / ACT
Enact Holdings, Inc.
ACT · Financials
Last earnings Aug 5, 2026
Key results
GAAP net incomequarter
$168 million
GAAP Net Income of $168 million, or $1.11 per diluted share
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Adjusted operating incomequarter
$174 million
Adjusted Operating Income of $174 million, or $1.15 per diluted share Return on Equity of 13.0% and Adjusted Operating Return on Equity of 13.4% Primary Insurance in-force of $270 billion
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Net incomequarter
$168 million
Net income was $168 million, or $1.11 per diluted share, compared with $166 million, or $1.08 per diluted share, for the first quarter of 2025 and $184 million, or $1.16 per diluted share, for the second quarter of 2024.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Adjusted operating income was $174 million, or $1.15 per diluted share, compared with $169 million, or $1.10 per diluted share, for the first quarter of 2025 and $201 million, or $1.27 per diluted share, for the second quarter of 2024.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
s common stockholders to adjusted operating income (loss) assume a 21% tax rate.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Adjustments to reconcile net income (loss) available to Company s common stockholders to adjusted operating income (loss) assume a 21% tax rate.
SEC original ↗Enact Holdings, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 30, 2025
GAAP ROE (1) 13.0 % 13.1 % 13.0 % 14.7 % 15.4 % 13.8 % Net investment (gains) losses 0.6 % 0.3 % 0.6 % 0.1 % 0.6 % 0.6 % Costs associated with reorganization 0.0 % 0.0 % 0.0 % 0.1 % 0.3 % 0.0 % (Gains) losses on early extinguishment of debt 0.0 % 0.0 % 0.0 % 0.0 % 0.9 % 0.0 % Taxes on adjustments (0.1)% (0.1)% (0.1)% 0.0 % (0.4)% (0.1)% Adjusted Operating ROE(2) 13.4 % 13.4 % 13.5 % 14.8 % 16.9 % 14.2 % Debt to capital ratio 12 % 13 % 13 % 13 % 13 % 14 % (2) Calculated as annualized adjusted operating income for the period indicated divided by the average of current period and prior periods ending total stockholders equity.
SEC original ↗Enact Holdings, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 30, 2025
AI analysis
Q2 2025 · reported Jul 30, 2025
Based on: Earnings release + Q2 2025 deck + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q2 2025 | Prior qtr | Year ago |
|---|---|---|---|
| GAAP net income | $168 million | — | — |
| Adjusted operating income | $174 million | — | — |
| Net income | $168 million | — | — |
Guidance · company-stated
Direction: raised
No guidance located in the held release
“66 Increased Full-Year Capital Return Guidance to be between $550 million and $600 million Raleigh, NC, August 5, 2026 Enact Holdings, Inc.”
Capital allocation
Capital and Liquidity We paid approximately $31 million, or $0.21 per share, dividend in the second quarter.
Event summary
Our strong second quarter results underscore the resilience of our business model and the consistency of our execution, stated Rohit Gupta, President and CEO of Enact
Based on: Earnings release + Q2 2025 deck + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Capital and Liquidity We paid approximately $31 million, or $0.21 per share, dividend in the second quarter.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
EMICO completed a dividend of approximately $130 million in the second quarter that will primarily be used to support our ability to return capital to shareholders and bolster financial flexibility.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Combined cash and invested assets decreased $3 million from the prior quarter, primarily due to share buybacks, our quarterly dividend and interest payment on our debt mostly offset by the contribution from EMICO.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
2 Recent Events We repurchased approximately 2.4 million shares at an average price of $35.45 for a total of approximately $85 million in the quarter.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Additionally, through July 25, 2025, we repurchased 0.8 million shares at an average price of $35.86 for a total of $30 million.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
During the quarter we completed our $250 million share repurchase authorization announced May 1, 2024, and as of July 25, 2025, there was approximately $262 million remaining of our previously announced $350 million repurchase authorization.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Strategy & priorities
We continue to navigate an evolving market, grow our insurance in-force, maintain robust risk and expense management and deliver strong capital returns while also investing in our business.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Expenses associated with strategic transaction preparations and restructuring costs increased the expense ratio by zero percentage points for the three-month periods ended June 30, 2025 and March 31, 2025, one percentage point for the three-month period ended June 30, 2024.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
We also offer mortgage and credit-related insurance and reinsurance through our other subsidiaries, including investing in new opportunities for Enact.
SEC original ↗Enact Holdings, Inc. — 10-Q Quarterly report10-QAug 6, 2026
Priority and type of inputs used may change frequently as certain inputs may be more direct drivers of valuation at the time of pricing.
SEC original ↗Enact Holdings, Inc. — 10-Q Quarterly report10-QAug 6, 2026
NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) the valuation include quoted prices for identical assets, or similar assets in markets that are not active, contractual cash flows, weighted-average coupon, weighted-average maturity, issuer rating, structure of the security, expected prepayment speeds and volumes, collateral type, current and forecasted loss severity, average delinquency rates, vintage of the loans, geographic region, debt service coverage ratios, payment priority with the tranche, benchmark yields and credit spreads.
SEC original ↗Enact Holdings, Inc. — 10-Q Quarterly report10-QAug 6, 2026
Risks & headwinds
These views involve risks and uncertainties that are difficult to predict and, accordingly, our actual results may differ materially from the results discussed in our forward-looking statements.
SEC original ↗Enact Holdings, Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025
Legal Proceedings 63 Item 1A.
SEC original ↗Enact Holdings, Inc. — 10-Q Quarterly report10-QAug 6, 2026
; changes in tax laws; litigation, regulatory investigations or other actions; inability to attract and retain key employees; failure or any compromise of the security of our computer systems, disaster recovery systems, business continuity plans and failures to safeguard or breaches of confidential information; and occurrence of natural or man-made disasters or public health emergencies, including pandemics and disasters caused or exacerbated by climate change.
SEC original ↗Enact Holdings, Inc. — 10-Q Quarterly report10-QAug 6, 2026
We provide additional information regarding these and other risks and uncertainties in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025, as filed with the U.
SEC original ↗Enact Holdings, Inc. — 10-Q Quarterly report10-QAug 6, 2026
As a result of the extended period of time that may exist between the reporting of a delinquency and the claim payment, as well as changes in economic conditions and the real estate market, significant uncertainty and variability exist on amounts ultimately paid.
SEC original ↗Enact Holdings, Inc. — 10-Q Quarterly report10-QAug 6, 2026
Earnings deck slides
0 decks with slide viewEnact Holdings, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enact Holdings, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enact Holdings, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enact Holdings, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enact Holdings, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enact Holdings, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enact Holdings, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
32 documents- Q2 2026
- 10-QACT
Aug 6, 2026
- 8-KACT
Aug 5, 2026
- Q1 2026
- 8-KACT
May 15, 2026
- 10-QACT
May 6, 2026
- 8-KACT
May 5, 2026
- Q4 2025
- 10-KACT
Feb 27, 2026
- 8-KACT
Feb 3, 2026
- Q3 2025
- 10-QACT
Nov 6, 2025
- 8-KACT
Nov 5, 2025
- 8-KACT
Oct 1, 2025
- Q2 2025
- 10-QACT
Aug 1, 2025
- 8-KACT
Jul 30, 2025
- Q1 2025
- 8-KACT
May 19, 2025
- 10-QACT
May 2, 2025
- 8-KACT
Apr 30, 2025
- EX-99ACT
Apr 30, 2025
- Q4 2024
- 8-KACT
Mar 11, 2025
- 10-KACT
Feb 28, 2025
- 8-KACT
Feb 4, 2025
- Q3 2024
- 8-KACT
Dec 9, 2024
- 10-QACT
Nov 7, 2024
- 8-KACT
Nov 6, 2024
- Q2 2024
- 10-QACT
Aug 2, 2024
- 8-KACT
Jul 31, 2024
- Q1 2024
- 8-KACT
May 28, 2024
- 8-KACT
May 20, 2024
- 10-QACT
May 3, 2024
- 8-KACT
May 1, 2024
- EX-99ACT
May 1, 2024
- Q4 2023
- 10-KACT
Feb 29, 2024
- 8-KACT
Feb 6, 2024
- Q3 2023
- 10-QACT
Nov 2, 2023
Earnings releases
17 documentsPresentations
7 documents
Transcripts
0 documentsNo transcripts for Enact Holdings, Inc. are held in this edition of the library.
Mentioned by
30 companiesOther tracked companies whose held documents mention Enact Holdings, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.
“ at moodys.com . “SAFE HARBOR” STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 Certain statements contained in this document are forward-looking statements and… …response to inflation) on worldwide credit markets and on econo”
“N FOR THE PURPOSE OF “SAFE HARBOR” PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This news release contains forward-looking statements relating to Chevron’s operations,… …“positions,” “pursues,” “progress,” “design,” “enable,” “m”
American Eagle Outfitters Inc (AEO)
“SAFE HARBOR FOR FORWARD-LOOKING STATEMENTS UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This release and related statements by management contain “forward-looking statements”… …a net benefit of $179 million related to tariff refunds, wh”
“stores in 42 states. SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995: All forward-looking statements made by the Company involve material risks and uncertainties…”
“Financial,… …Q1 2026 Q4 2025 Q1 2025 PMIERs sufficiency ratio 7,8 162 % 162 % 165 % • Enact paid a quarterly dividend of $0.21 per share • Enact announced an increase to its quarterly dividend to $0.24 per share, payable… …years of experience to ”
“ THE PURPOSES OF THE "SAFE HARBOR" PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This news release contains forward-looking statements as defined under the federal… …billion of shares, paid $1.0 billion in ordinary dividends and ”
“parknationalcorp.com SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 Park cautions that any forward-looking statements contained in this news release… …The second quarter of 2026 included $4.1 million ($3.3 million af”
“ New York law. 7 SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995: Forward-looking statements in this press release and made during the conference… …in-house of previously-licensed ‘TOMMY HILFIGER’ product categori”
“NTENTS SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This presentation contains forward-looking statements (as such term is defined in… …from sales growth, net of inflation and investments in digital i”
“-looking Statement SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995: Various statements made in this release are forward-looking and involve a number… …expanding international operations; fluctuations in quarterly op”
“ce webcasts. SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995: This press release contains various forward-looking statements about the Company… … “intends,” “may,” “will,” “plans,” “predicts,” “projects,” “see”
“ THE PURPOSES OF THE “SAFE HARBOR” PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This news release contains forward-looking statements within the meaning of the … …(238) — (238) 14 (22) Legal settlement — (6”
“lease. SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING FORWARD-LOOKING INFORMATION Statements in this press release contain… …average Medicare reimbursement rate increase of approximately”
Dr Reddys Laboratories Ltd (RDY)
“ at moodys.com . “SAFE HARBOR” STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 Certain statements contained in this document are forward-looking statements and… …response to inflation) on worldwide credit markets and on econo”
“ce webcasts. SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995: This press release contains various forward-looking statements about the Company… … “intends,” “may,” “will,” “plans,” “predicts,” “projects,” “see”
“N FOR THE PURPOSE OF “SAFE HARBOR” PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This news release contains forward-looking statements relating to the transaction… …“pursues,” “progress,” “design,” “enable,” “may,” “can,” “could,”
Firstcash Holdings, Inc. (FCFS)
“- LOOKING STATEMENTS, AS THAT TERM IS DEFINED IN THE PRIVATE SECURITIES LITIGATION REFORM ACT… …ACQUIRED IN LATIN AMERICA ‒ 286 PAWN STORES ACQUIRED IN U.K. ‒ $487M CASH PORTION OF AFF ACQUISITION CAPITAL EXPENDITURES ‒ 592 DE NOVO STORE OPENINGS ‒ 4”
“N FOR THE PURPOSE OF “SAFE HARBOR” PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This news release contains forward-looking statements relating to Chevron’s operations,… …“positions,” “pursues,” “progress,” “design,” “enable,” “m”
“ THE PURPOSES OF THE "SAFE HARBOR" PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995. This news release contains forward-looking statements as defined under the… … and international businesses, commercial, LNG, finance, corpora”
“- LOOKING STATEMENTS, AS THAT TERM IS DEFINED IN THE PRIVATE SECURITIES LITIGATION REFORM ACT… …ACQUIRED IN LATIN AMERICA ‒ 286 PAWN STORES ACQUIRED IN U.K. ‒ $487M CASH PORTION OF AFF ACQUISITION CAPITAL EXPENDITURES ‒ 592 DE NOVO STORE OPENINGS ‒ 4”
“ THE PURPOSES OF THE "SAFE HARBOR" PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This news release contains forward-looking statements as defined under the federal… …expenditures and investments, repurchased $3.0 billion of share”
“N FOR THE PURPOSE OF “SAFE HARBOR” PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 This news release contains forward-looking statements relating to Chevron’s operations,… …“positions,” “pursues,” “progress,” “design,” “enable,” “m”
“ at moodys.com . “SAFE HARBOR” STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 Certain statements contained in this document are forward-looking statements and… …in response thereto) on worldwide credit markets and on economi”
“ce webcasts. SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995: This press release contains various forward-looking statements about the Company… … “intends,” “may,” “will,” “plans,” “predicts,” “projects,” “see”
“OR” PROVI SIONS REGARDING FORWARD—LOOKING STATEMENTS OF THE PRIVATE SECURITIES LITIGATION ACT OF 1995 AND IS MAKING THIS CAUTIONARY STATEMENT IN ORDER TO DO SO. FROM TIME TO TIME VARIOUS FORMS… …through increased customer positioning our products, pr”
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