---
schema_version: "secwatch.filing_event.v1"
accession: "0001823529-21-000005"
form_type: "8-K"
ticker: "ACT"
cik: "0001823529"
company_name: "Enact Holdings, Inc."
filed_at: "2021-11-02T23:59:59+00:00"
generated_at: "2026-06-28T15:20:07.336887+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Enact Q3 GAAP net income $137M, EPS $0.84; PMIERs sufficiency record 181%

## Summary
- GAAP net income $137M ($0.84 diluted EPS); adjusted net operating income $137M ($0.84 diluted EPS).
- Net premiums earned $243M, down 3% YoY; loss ratio improved to 14% from 18% YoY.
- New insurance written $24.0B, down 10% sequentially; primary insurance-in-force $222B (+10% YoY).
- PMIERs sufficiency hit record $2,287M (181% coverage); loans in default fell to 3.1% from 5.4% YoY.
- Company intends to recommend $200M dividend in Q4 2021, pending board approval.

## SEC filing metadata
- accession: 0001823529-21-000005
- form_type: 8-K
- ticker: ACT
- cik: 0001823529
- company_name: Enact Holdings, Inc.
- filed_at: 2021-11-02T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1823529/000182352921000005/0001823529-21-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823529/000182352921000005/act-20211102.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-21-000005
- JSON: https://secwatch.observer/filing/0001823529-21-000005.json
- Plain text: https://secwatch.observer/filing/0001823529-21-000005.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.