---
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"
generated_at: "2026-06-22T19:10:46.514651+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Enact Q3 net income $191M ($1.17/sh), declares special dividend $1.12/sh and $75M buyback

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-22-000203
- JSON: https://secwatch.observer/filing/0001823529-22-000203.json
- Plain text: https://secwatch.observer/filing/0001823529-22-000203.txt

## Key facts
- Earnings Releases
  Enact Holdings, Inc. reported the quarter ended September 30, 2022 results: revenue $235 million, net income $191 million, EPS $1.17 per diluted share.
  - Period: the quarter ended September 30, 2022
  - Revenue: $235 million
  - Net income: $191 million
  - EPS: $1.17 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1823529/000182352922000203/0001823529-22-000203-index.htm

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