---
schema_version: "secwatch.filing_event.v1"
accession: "0001823529-22-000160"
form_type: "8-K"
ticker: "ACT"
cik: "0001823529"
company_name: "Enact Holdings, Inc."
filed_at: "2022-08-01T23:59:59+00:00"
generated_at: "2026-06-24T06:36:31.909959+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Enact Q2 GAAP net income $205M, EPS $1.25; ROE 20.1%

## Summary
- Net income $205M ($1.25 diluted EPS) vs $165M ($1.01) Q1 and $131M ($0.80) Q2 2021.
- Record insurance-in-force $238B (+9% YoY); NIW $17B (-35% YoY) on higher rates.
- Loss ratio (26)%; $96M reserve release from favorable cure performance on COVID delinquencies.
- Moody's upgraded Enact Mortgage IFSR to Baa1 from Baa2; entered $200M revolver on June 30.

## SEC filing metadata
- accession: 0001823529-22-000160
- form_type: 8-K
- ticker: ACT
- cik: 0001823529
- company_name: Enact Holdings, Inc.
- filed_at: 2022-08-01T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1823529/000182352922000160/0001823529-22-000160-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823529/000182352922000160/act-20220801.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-22-000160
- JSON: https://secwatch.observer/filing/0001823529-22-000160.json
- Plain text: https://secwatch.observer/filing/0001823529-22-000160.txt

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