---
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"
generated_at: "2026-06-27T13:08:50.947607+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Enact Q4 GAAP net income $154M ($0.94/sh); full year $547M ($3.36); $200M special dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-22-000016
- JSON: https://secwatch.observer/filing/0001823529-22-000016.json
- Plain text: https://secwatch.observer/filing/0001823529-22-000016.txt

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