Enact Holdings Inc.

Enact Holdings Inc.

ACT
Enact Holdings Inc.US flagNASDAQ
49.51
USD
+0.79
- -
6.91BMarket Cap
Enact Holdings Inc.
ACT
(NASDAQ)

Recent

price

49.51

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.01
6.79
6.88
6.72
7.17
7.69
8.33
8.75
Revenue per Share
4.16
2.27
3.36
4.32
4.14
4.4
4.54
4.77
Basic EPS, GAAP
3.07
4.33
3.51
3.44
3.93
4.39
4.88
5.03
Free Cash Flow per Basic Share
1.54
2.69
1.23
1.54
1.32
0.71
0.81
0.87
Dividend per Share
23.5
23.84
25.21
25.19
29.07
32.8
37.66
38.65
Book Value per Share
23.5
23.84
25.21
25.19
29.07
32.8
37.66
38.65
Tangible Book Value per Share
163
163
163
163
161
156
148
143
Basic Weighted Avg Shares
979
1,106
1,120
1,095
1,154
1,202
1,236
1,254
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
678
370
547
704
666
688
674
683
Net Income, GAAP
21.7
21.59
21.36
21.61
21.84
21.64
21.49
21.12
Effective Tax Rate (%)
69.23
33.48
48.8
64.31
57.69
57.25
54.56
54.51
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
738
740
743
-5
743
744
745
LT Debt
3,827
3,882
4,106
4,101
4,632
4,996
5,355
5,396
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
9.11
12.4
15.37
13.81
13.1
12.05
11.94
Return on Capital (%)
- -
9.61
13.69
17.16
15.24
14.29
13.03
12.87
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
744
745
745
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
142
140
140
Market Capitalization
5,637
5,725
6,381

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,384
2,466
2,424
Accounts Receivable, Net
46
47
67
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
317
- -
- -
- -

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
1.25
- -
- -
- -

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
0.24
- -
- -
- -
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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