{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-22-000016","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2022-02-01T23:59:59+00:00","discovered_at":"2026-05-14T18:04:08.540609+00:00","generated_at":"2026-06-27T13:08:50.947607+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Enact Q4 GAAP net income $154M ($0.94/sh); full year $547M ($3.36); $200M special dividend","bullets":["Q4 GAAP net income $154M ($0.94 diluted EPS); full year $547M ($3.36 diluted).","Adjusted net operating income Q4 $154M ($0.94 diluted); full year $551M ($3.38).","Q4 annualized ROE 14.8%; PMIERs sufficiency 165% ($2,003M above requirements).","Primary insurance-in-force $227B (+9% YoY); net premiums earned $237M, loss ratio 3%.","Board declared $200M special cash dividend in Q4; executed $294M excess-of-loss reinsurance in Jan 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-22-000016","json":"https://secwatch.observer/filing/0001823529-22-000016.json","markdown":"https://secwatch.observer/filing/0001823529-22-000016.md","text":"https://secwatch.observer/filing/0001823529-22-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352922000016/0001823529-22-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352922000016/act-20220201.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T13:08:50.947607+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}