---
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"
generated_at: "2026-06-20T00:18:21.098878+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Enact Q4 net income $144M ($0.88/diluted); record insurance-in-force $248B; returned $250M capital in 2022

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1823529/000182352923000007/0001823529-23-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823529/000182352923000007/act-20230206.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-23-000007
- JSON: https://secwatch.observer/filing/0001823529-23-000007.json
- Plain text: https://secwatch.observer/filing/0001823529-23-000007.txt

## Key facts
- Earnings Releases
  Enact Holdings, Inc. reported the fiscal year ended December 31, 2022 results: revenue $939, net income $704, EPS $4.31.
  - Period: the fiscal year ended December 31, 2022
  - Revenue: $939
  - Net income: $704
  - EPS: $4.31
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1823529/000182352923000007/0001823529-23-000007-index.htm
- Earnings Releases
  Enact Holdings, Inc. reported the quarter ended December 31, 2022 results: revenue $233, net income $144, EPS $0.88.
  - Period: the quarter ended December 31, 2022
  - Revenue: $233
  - Net income: $144
  - EPS: $0.88
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1823529/000182352923000007/0001823529-23-000007-index.htm

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