Enact Holdings, Inc.

NASDAQ•ACT

CEO: Mr. Rohit Gupta

Sector: Financial Services

Industry: Insurance - Specialty

Listing Date: 2021-09-16

Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. It engages in writing and assuming residential mortgage guaranty insurance. The company also offers private mortgage insurance products primarily insuring prime-based, individually underwritten residential mortgage loans; contract underwriting services for mortgage lenders; and mortgage-related reinsurance products. It primarily serves originators of residential mortgage loans. 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. operates as a subsidiary of Genworth Holdings Inc.

Contact Information

8325 Six Forks Road, Raleigh, NC, 27615, United States

919-846-4100

enactmi.com

Market Cap

$6.13B

P/E (TTM)

9.1

13.7

Dividend Yield

2.0%

52W High

$44.80

52W Low

$31.28

52W Range

83%

Rank22Top 8.4%

5.9

F-Score

Modified Piotroski Analysis

Based on 7-year fundamentals

Average • 5.9 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2019-2025

Financial Dashboard

Q4 2025 Data

Revenue

$311.51M+0.00%

4-Quarter Trend

EPS

$1.23+0.00%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Revenue Growth Strong Total revenues reached $1.236B in 2025, marking a 3% increase over 2024 results, driven by investment income.

New Business Volume Rises New insurance written (NIW) totaled $51.506B for 2025, showing a 1% increase compared to the prior year.

Strong Capital Position Maintained PMIERs sufficiency ratio remained robust at 162% as of December 31, 2025, exceeding required asset levels.

Investment Income Increased Net investment income grew 11% to $266.2M in 2025, supported by higher yields and increased invested assets.

Risk Factors

Economic Downturn Loss Exposure Deterioration in economic conditions or home prices may adversely affect loss experience and increase claim frequency.

Loss Reserve Estimation Uncertainty Loss reserves rely on management estimates subject to uncertainties; actual claim payments may materially differ from reserves.

GSE Eligibility Requirements Risk Inability to meet evolving PMIERs mandates or new GSE restrictions could prevent writing new insurance coverage.

Competitive Pricing Pressures Intense industry competition may force lower pricing, reducing premium yield and potentially impacting market share retention.

Outlook

Focus on Underwriting Differentiation Strategy prioritizes delivering best-in-class underwriting and driving efficiencies to enhance decision-making capabilities.

Disciplined Capital Allocation Plan Plan focuses on supporting existing policyholders, funding new business, and returning excess capital to stockholders.

Technology Investment Continues Ongoing upgrades focus on AI/ML integration for risk management, improving pricing, and enhancing customer technology platforms.

Monitoring Regulatory Frameworks Company actively monitors potential material impacts from evolving GSE capital framework changes and regulatory updates.

Peer Comparison

Revenue (TTM)

FAF

$7.45B

+21.8%

TIPT

$2.05B

+2.9%

ESNT

$1.28B

+0.2%

Gross Margin (Latest Quarter)

FAF

95.9%

+8.5pp

RDN

95.7%

-1.0pp

ACT

94.3%

-6.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
FAF	$7.16B	11.6	11.9%	11.7%
ACT	$6.13B	9.1	12.8%	10.8%
ESNT	$5.93B	8.5	12.1%	7.6%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.5%

Moderate Growth

4Q Net Income CAGR

2.2%

Profitability Slowly Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 28, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data