{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-23-000007","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2023-02-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.817271+00:00","generated_at":"2026-06-20T00:18:21.098878+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Enact Q4 net income $144M ($0.88/diluted); record insurance-in-force $248B; returned $250M capital in 2022","bullets":["Q4 GAAP net income $144M ($0.88 diluted EPS); full year $704M ($4.31); adjusted operating income $147M ($0.90).","Primary insurance-in-force record $248B (+10% YoY); persistency 86% vs 69% a year ago.","PMIERs sufficiency 165% ($2,050M above requirement); $75M share repurchase authorized, $8M executed through Jan 31.","New insurance written $15B, down 29% YoY due to higher mortgage rates; loss ratio 8% vs 3% a year ago.","Returned over $250M capital to shareholders in 2022, including special dividend of $1.12/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-23-000007","json":"https://secwatch.observer/filing/0001823529-23-000007.json","markdown":"https://secwatch.observer/filing/0001823529-23-000007.md","text":"https://secwatch.observer/filing/0001823529-23-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352923000007/0001823529-23-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352923000007/act-20230206.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T00:18:21.098878+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":"0eb89f71d9fc0969ad810ab498d314375bcc0e88","claim":"Enact Holdings, Inc. reported the fiscal year ended December 31, 2022 results: revenue $939, net income $704, EPS $4.31.","evidence_excerpt":"Net Income (loss) $144 $191 $154 $704 $547 Diluted Net Income (loss) per share $0.88 $1.17 $0.94 $4.31 $3.36 Adjusted Operating Income (loss) $147 $191 $154 $708 $551 Adj. Diluted Operating Income (loss) per share $0.90 $1.17 $0.94 $4.34 $3.38 NIW ($B) $15 $15 $21 $66 $97 Primary IIF ($B) $248 $242 $227 Persistency 86 % 82 % 69 % 80 % 62 % Net Premiums Earned $233 $235 $237 $939 $975","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1823529/000182352923000007/0001823529-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended December 31, 2022"},{"label":"Revenue","value":"$939"},{"label":"Net income","value":"$704"},{"label":"EPS","value":"$4.31"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"6ded0f583dae198ba751f9c945bb69f74798e7a6","claim":"Enact Holdings, Inc. reported the quarter ended December 31, 2022 results: revenue $233, net income $144, EPS $0.88.","evidence_excerpt":"Net Income (loss) $144 $191 $154 $704 $547 Diluted Net Income (loss) per share $0.88 $1.17 $0.94 $4.31 $3.36 Adjusted Operating Income (loss) $147 $191 $154 $708 $551 Adj. Diluted Operating Income (loss) per share $0.90 $1.17 $0.94 $4.34 $3.38 NIW ($B) $15 $15 $21 $66 $97 Primary IIF ($B) $248 $242 $227 Persistency 86 % 82 % 69 % 80 % 62 % Net Premiums Earned $233 $235 $237 $939 $975","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1823529/000182352923000007/0001823529-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Revenue","value":"$233"},{"label":"Net income","value":"$144"},{"label":"EPS","value":"$0.88"},{"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"}