Every material Form 8-K Enact Holdings has filed with the SEC since November 01, 2023, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Enact Holdings reported third-quarter 2026 results on November 4, 2026. GAAP net income was $159 million, or $1.15 per diluted share, down from $175 million in the second quarter but up per share from $1.10 a year earlier, with fewer diluted shares outstanding. The company raised its expected full-year 2026 capital return to approximately $600 million and declared a $0.24 quarterly dividend, but the final amount depends on business performance, market conditions and regulatory approval.
GAAP net income was $159 million, or $1.15 per diluted share, versus $175 million, or $1.25, in Q2 2026 and $163 million, or $1.10, in Q3 2025.
Adjusted operating income was $164 million, or $1.19 per diluted share, versus $1.12 in Q3 2025.
Net premiums earned were $242 million, down 1% from both the prior quarter and the year-earlier quarter; new insurance written was $14 billion, down 7% sequentially.
Full-year 2026 capital return is now anticipated at approximately $600 million; the $0.24 dividend is payable December 17, 2026 to holders of record on November 25, 2026.
Enact Holdings director Thomas J. McInerney informed the company and its board on October 29, 2026, that he intends to resign from the board effective December 31, 2026. The filing says the decision was not the result of any dispute or disagreement with the company or any matter relating to its operations, policies or practices.
Thomas J. McInerney notified the company and board of his intent to resign on October 29, 2026.
Resignation is effective December 31, 2026.
He will continue serving on the Board and Compensation Committee until that date.
The filing states the resignation was not due to any dispute or disagreement with the company.
Enact Holdings reported second-quarter 2026 net income of $175 million, or $1.25 per diluted share, up from $168 million, or $1.11 per diluted share, a year earlier. The company raised its full-year 2026 capital return guidance to between $550 million and $600 million, and declared a $0.24 quarterly dividend.
Net income was $175 million, or $1.25 per diluted share, versus $168 million, or $1.11, in Q2 2025 and $168 million, or $1.18, in Q1 2026.
Adjusted operating income was $177 million, or $1.26 per diluted share; the loss ratio was 14% and the expense ratio was 21%.
Full-year 2026 capital return guidance was raised to $550 million to $600 million; about $345 million remains of a $500 million buyback authorization as of July 31, 2026.
Quarterly dividend of $0.24 per share is payable September 17, 2026, to holders of record on August 20, 2026.
Enact Holdings reported first-quarter 2026 GAAP net income of $168 million, or $1.18 per diluted share, up from $166 million, or $1.08, a year earlier but down from $177 million, or $1.22, in the fourth quarter of 2025. The board also raised the quarterly dividend 14% to $0.24 per share from $0.21. Per-share earnings improved year over year and the dividend rose, while new insurance written fell 11% from the prior quarter.
GAAP net income was $168 million, or $1.18 per diluted share, versus $166 million, or $1.08, in Q1 2025 and $177 million, or $1.22, in Q4 2025.
Adjusted operating income was $172 million, or $1.21 per diluted share, versus $169 million, or $1.10, in Q1 2025.
Quarterly dividend increased 14% to $0.24 per share from $0.21, payable June 18, 2026, to holders of record on May 28, 2026.
New insurance written was $13 billion, down 11% from Q4 2025 and up 30% from Q1 2025; about $93 million of shares were repurchased in the quarter.
Enact Holdings reported fourth-quarter 2025 net income of $177 million, or $1.22 per diluted share, up from $163 million, or $1.05 per diluted share, a year earlier. The Board also approved a share repurchase program of up to $500 million and the company entered a stock repurchase agreement with Genworth Financial, which bears directly on shareholder capital returns.
Q4 2025 net income $177 million, or $1.22 per diluted share, vs. $163 million, or $1.05, in Q4 2024
Adjusted operating income $179 million, or $1.23 per diluted share; total revenues $312.7 million vs. $301.8 million a year earlier
Board approved repurchase program of up to $500 million; separate stock repurchase agreement with Genworth Financial, Inc.
Quarterly dividend of $0.21 per share payable March 19, 2026, to holders of record February 26, 2026
Enact Holdings reported third-quarter 2025 net income of $163 million, or $1.10 per diluted share, down from $181 million, or $1.15 per share, a year earlier, and slightly below the second quarter's $168 million. The company raised its expected total 2025 capital return to approximately $500 million and declared a $0.21 quarterly dividend, while the loss ratio rose to 15% from 5% a year ago.
Net income was $163 million, or $1.10 per diluted share, versus $181 million, or $1.15, in Q3 2024
Adjusted operating income was $166 million, or $1.12 per diluted share, versus $182 million, or $1.16, in Q3 2024
Loss ratio was 15%, compared with 5% in Q3 2024 and 10% in Q2 2025
Expected total 2025 capital return raised to approximately $500 million; $0.21 dividend payable December 11, 2025
On September 30, 2025, Enact Holdings entered into a $435 million revolving credit facility with JPMorgan Chase Bank, N.A. as administrative agent, and terminated its $200 million 2022 revolving facility. The new facility was undrawn at closing and matures on September 30, 2030, so it adds borrowing capacity rather than new debt, with covenants shareholders can track.
Revolving facility: $435 million initial principal, including a $217.5 million accordion, undrawn as of September 30, 2025
Matures September 30, 2030; borrowings priced at Term SOFR plus 0.10% plus a margin tied to the senior unsecured rating
Commitment fee on unused amounts is 0.175% based on the current rating
Covenants include minimum consolidated net worth of at least $3,729,000,000 (plus adjustments) and a maximum debt-to-total capitalization ratio of 0.35 to 1.00
Enact Holdings reported second quarter 2025 GAAP net income of $168 million, or $1.11 per diluted share, down from $184 million, or $1.16, a year earlier, though up from $166 million in the first quarter. Total revenues rose to $304.9 million from $298.8 million a year earlier, while the company raised its full-year 2025 capital return guidance to approximately $400 million.
Adjusted operating income was $174 million, or $1.15 per diluted share, versus $201 million, or $1.27, in Q2 2024.
Total revenues were $304.9 million, compared with $298.8 million in Q2 2024.
Full-year 2025 capital return guidance increased to approximately $400 million, depending on business performance, market conditions and regulatory approvals.
Board declared a quarterly dividend of $0.21 per share, payable September 8, 2025, to holders of record on August 18, 2025.
Enact Holdings reported first-quarter 2025 GAAP net income of $166 million, or $1.08 per diluted share, up from $161 million, or $1.01 per diluted share, a year earlier. The board also approved a share repurchase program of up to $350 million and raised the quarterly dividend 14% to $0.21 per share, which affects shareholder returns.
GAAP net income was $166 million, or $1.08 per diluted share, versus $161 million, or $1.01, in Q1 2024
Adjusted operating income was $169 million, or $1.10 per diluted share, versus $166 million, or $1.04, in Q1 2024
New insurance written was about $10 billion, down 26% from Q4 2024 and down 7% from Q1 2024
Board approved a repurchase program of up to $350 million; quarterly dividend raised from $0.185 to $0.21, payable June 11, 2025, to holders of record May 19, 2025
Enact Holdings appointed H. Elizabeth Mitchell as an independent director on March 11, 2025, expanding the board temporarily from 11 to 12 members. Director Anne G. Waleski said she will not stand for re-election at the May 14, 2025 annual meeting, and the company said her decision was not due to any disagreement over its operations, policies or practices.
Mitchell was appointed effective March 11, 2025, for a term expiring at the 2025 Annual Meeting of Stockholders, and joined the Audit Committee.
Board size rises from 11 to 12 members until the 2025 annual meeting, when it returns to 11.
Waleski will remain on the board, as Audit Committee chairperson, and on the Nominating and Corporate Governance Committee until the May 14, 2025 meeting.
Mitchell has been an independent director of Selective Insurance Group since 2018 and of Principal Financial Group since 2022.
Enact Holdings reported fourth-quarter 2024 GAAP net income of $163 million, or $1.05 per diluted share, up from $157 million, or $0.98, a year earlier, though down from $181 million in the third quarter. For the full year, net income was $688 million, or $4.37 per diluted share, compared with $666 million, or $4.11, in 2023, and the company returned $354 million to shareholders.
Q4 2024 adjusted operating income was $169 million, or $1.09 per diluted share, versus $158 million, or $0.98, in Q4 2023 and $182 million in Q3 2024.
Full-year 2024 adjusted operating income was $718 million, or $4.56 per diluted share, versus $676 million, or $4.18, in 2023.
Board declared a quarterly dividend of $0.185 per share, payable March 14, 2025, to holders of record on February 21, 2025.
Management will discuss the results on a conference call on February 5, 2025, at 8:00 a.m. Eastern.
Enact Holdings reported third quarter 2024 GAAP net income of $181 million, or $1.15 per diluted share, up from $164 million, or $1.02 per share, a year earlier but slightly below the second quarter's $184 million. Adjusted operating income was $182 million, or $1.16 per share, down from $201 million in the second quarter, and the company expects full-year capital return at the higher end of its $300 million to $350 million range.
Net income $181 million ($1.15 diluted EPS) vs. $184 million ($1.16) in Q2 2024 and $164 million ($1.02) in Q3 2023
Adjusted operating income $182 million ($1.16 per diluted share) vs. $201 million ($1.27) in Q2 2024
Record primary insurance in-force of $268 billion, up 2% from Q3 2023; new insurance written about $14 billion, down 6% year over year
Quarterly dividend of $0.185 per share payable December 5, 2024; full-year capital return expected at the higher end of $300 million to $350 million
Enact Holdings reported second quarter 2024 net income of $184 million, or $1.16 per diluted share, up from $161 million in the first quarter and $168 million a year earlier. Primary insurance in force reached a record $266 billion, and the company now expects total 2024 capital returns of $300 million to $350 million. The quarter benefited from a $77 million reserve release, and results also included about $3 million of one-time restructuring costs.
Net income of $184 million, or $1.16 per diluted share, versus $161 million, or $1.01, in Q1 2024 and $168 million, or $1.04, in Q2 2023
Adjusted operating income of $201 million, or $1.27 per diluted share
2024 capital return now expected between $300 million and $350 million; quarterly dividend of $0.185 per share payable September 9, 2024
A $77 million reserve release drove losses incurred to $(17) million and a loss ratio of (7)%
Enact Holdings completed a $750 million offering of 6.250% senior notes due 2029 on May 28, 2024. The company plans to use the net proceeds, about $742.3 million, together with other available funds, to redeem its $750 million 6.500% notes due 2025 on June 3, 2024.
$750 million of 6.250% senior notes due May 28, 2029, issued under an underwriting agreement dated May 22, 2024
Net proceeds of approximately $742.3 million after underwriting discounts, commissions and estimated offering expenses
All $750 million of 6.500% senior notes due 2025 to be redeemed on June 3, 2024 at 100% of principal plus applicable premium and accrued interest
Notes pay interest semi-annually on May 28 and November 28, beginning November 28, 2024; J.P. Morgan, Citigroup and Goldman Sachs were the representatives
Enact reported net income of $161.0 million, or $1.01 per diluted share, for the quarter ended March 31, 2024, down from $176.0 million and $1.08 a year earlier, even though total revenues rose to $291.6 million from $280.9 million. The board also raised the quarterly dividend to $0.185 per share and authorized a new buyback of up to $250 million, which adds to the existing $100 million program.
Q1 2024 net income was $161.0 million ($1.01 per diluted share), versus $176.0 million ($1.08) in Q1 2023.
Total revenues were $291.6 million, versus $280.9 million in Q1 2023.
Adjusted operating income was $166.2 million, or $1.04 per diluted share, versus $1.08 a year earlier.
The dividend is $0.185 per share, payable June 13, 2024 to holders of record on May 29, 2024; $24 million remained under the existing $100 million buyback as of April 26, 2024.
Enact Holdings reported fourth-quarter 2023 net income of $157 million, or $0.98 per diluted share, up from $144 million, or $0.88 per share, in the fourth quarter of 2022 but down from $164 million in the third quarter of 2023. For full year 2023, net income was $666 million, or $4.11 per diluted share, compared with $704 million, or $4.31 per share, in 2022, while new insurance written fell 27% from the prior quarter.
Q4 2023 net income $157 million, or $0.98 per diluted share, versus $144 million, or $0.88, in Q4 2022 and $164 million, or $1.02, in Q3 2023
Full year 2023 net income $666 million, or $4.11 per diluted share, versus $704 million, or $4.31, in 2022
New insurance written was $10 billion in Q4 2023, down 27% from $14 billion in Q3 2023 and down 31% from a year earlier
Primary insurance in-force reached a record $263 billion, up 6% from $248 billion a year earlier; the company returned over $300 million to shareholders in 2023
Enact Holdings reported third quarter 2023 net income of $164 million, or $1.02 per diluted share, down from $168 million in the second quarter and $191 million a year earlier, while net premiums earned rose 4% year over year to $243 million. The company also declared a special cash dividend of $113 million, or $0.71 per share, plus a $0.16 quarterly dividend, both payable December 5, 2023, to holders of record on November 16, 2023.
Net income was $164 million, or $1.02 per diluted share, versus $1.17 per diluted share in third quarter 2022.
Adjusted operating income was $164 million, compared with $178 million in the second quarter of 2023.
Primary insurance-in-force was a record $262 billion, up 8% from a year earlier.
Special dividend of $113 million ($0.71 per share) and quarterly dividend of $0.16 per share are payable December 5, 2023.
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