Enact Holdings, Inc.

Enact Holdings, Inc.

ACT
Enact Holdings, Inc.US flagNASDAQ Global Select
40.57
USD
-0.58
- -
5.66BMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.01
6.79
6.88
6.72
7.17
7.69
8.33
8.51
Basic EPS, GAAP
4.16
2.27
3.36
4.32
4.14
4.4
4.54
4.64
Free Cash Flow per Basic Share
3.07
4.33
3.51
3.44
3.93
4.39
4.88
4.95
Dividend per Share
1.54
2.69
1.23
1.54
1.32
0.71
0.81
0.84
Book Value per Share
8.42
8.01
10.13
12.91
15.86
20.01
24.79
26.17
Tangible Book Value per Share
23.5
23.84
25.21
25.18
28.8
31.97
36.09
36.65
Basic Weighted Avg Shares
163
163
163
163
161
156
148
146
Sales/Revenue/Turnover
979
1,106
1,120
1,095
1,154
1,202
1,236
1,241
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
678
370
547
704
666
688
674
676
Effective Tax Rate (%)
21.7
21.59
21.36
21.61
21.84
21.64
21.49
21.44
Profit Margin (%)
69.23
33.48
48.8
64.31
57.69
57.25
54.56
54.5
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
738
740
743
-5
743
744
745
Total Equity
3,827
3,882
4,106
4,101
4,632
4,996
5,355
5,344
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
22.53
26.47
28.45
22.99
20.32
17.21
16.7
Return on Common Equity (%)
- -
27.68
37
37.54
28.6
24.23
19.81
19.1

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
744
744
745
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
146
142
140
Market Capitalization
5,777
5,882
5,951

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,281
2,384
2,466
Accounts Receivable, Net
49
46
47
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
6.73%
7.19%
Free Cash Flow
- -
1.22%
5.57%
Net Income, GAAP
- -
14.45%
-2.01%
Sales/Revenue/Turnover
- -
2.27%
2.83%
Total Cash Common Dividend
- -
-16.69%
8.16%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
292
299
310
302
1,202
2025
307
305
311
313
1,236
2026
312
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.01
1.17
1.16
1.06
4.4
2025
1.09
1.12
1.11
1.23
4.54
2026
1.18
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.16
0.19
0.18
0.18
0.71
2025
0.18
0.21
0.21
0.21
0.81
2026
0.21
- -
- -
- -
- -

Company Description

APIChat
CEO
Rohit Gupta
Full Time Employees
421
Sector
Financial Services
Industry
Insurance - Specialty
Address
8325 Six Forks Road Raleigh NC United States of America 27615
IPO Date
Sep 16, 2021
Business
Enact Holdings, Inc. (NYSE: ACT) provides private mortgage insurance and related risk management products to financial institutions involved in the origination and sale of residential mortgage loans in the United States. The company offers primary mortgage insurance, pool insurance, contract underwriting services, and reinsurance solutions through its primary operating subsidiary, Enact Mortgage Insurance Corporation; it also provides portfolio management analytics and technology platforms to support lenders' risk assessment and compliance needs. Headquartered in Raleigh, North Carolina, Enact was spun off from Genworth Financial, Inc. in 2021 and operates exclusively within the U.S. mortgage insurance industry, serving mortgage lenders, banks, and government-sponsored enterprises such as Fannie Mae and Freddie Mac. Enact's core products include flow mortgage insurance for individual loans, aggregate pool coverage for loan portfolios, and multi-year master policies; its Enact Re brand facilitates quota share reinsurance arrangements to optimize capital deployment. The company targets the single-family residential mortgage market, with a focus on high-quality, low-risk policies amid fluctuating housing dynamics. Geographically, operations span all 50 U.S. states, with key master policy relationships in major lending hubs like California, Texas, and Florida.

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