{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-22-000203","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2022-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:52.375403+00:00","generated_at":"2026-06-22T19:10:46.514651+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Enact Q3 net income $191M ($1.17/sh), declares special dividend $1.12/sh and $75M buyback","bullets":["GAAP net income $191M ($1.17 diluted EPS) vs $205M in Q2 and $137M in Q3 2021.","Net premiums earned $235M, down 1% QoQ and 3% YoY; loss ratio (17)% from favorable reserve development.","Record insurance-in-force of $242B (+9% YoY); persistency 82% (up from 65% YoY).","Board declared special cash dividend of $183M ($1.12/sh) payable Dec 6 to Nov 18 record holders; authorized $75M share repurchase.","PMIERs sufficiency 174% ($2,249M above requirements); Moody's upgraded IFSR to Baa1, stable outlook."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-22-000203","json":"https://secwatch.observer/filing/0001823529-22-000203.json","markdown":"https://secwatch.observer/filing/0001823529-22-000203.md","text":"https://secwatch.observer/filing/0001823529-22-000203.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352922000203/0001823529-22-000203-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352922000203/enactholdingsincearningsre.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T19:10:46.514651+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":[{"claim_id":"9325a57abab4e24ff0c0ef7c573b79194643bb70","claim":"Enact Holdings, Inc. reported the quarter ended September 30, 2022 results: revenue $235 million, net income $191 million, EPS $1.17 per diluted share.","evidence_excerpt":"driven by an increase in mortgage rates and an ongoing decline in the percentage of our in-force policies with mortgage rates above current rates. • Net premiums earned were $235 million, down 1% from $237 million in the second quarter of 2022 and down 3% from $243 million in the third quarter of 2021. Net earned premium yield was down from the second quarter of","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1823529/000182352922000203/0001823529-22-000203-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2022"},{"label":"Revenue","value":"$235 million"},{"label":"Net income","value":"$191 million"},{"label":"EPS","value":"$1.17 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}