{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-23-000085","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2023-05-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:40.893534+00:00","generated_at":"2026-06-16T01:32:57.070139+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Enact Q1 net income $176M ($1.08 EPS); record IIF $253B; dividend raised to $0.16","bullets":["GAAP net income $176M ($1.08 diluted EPS) vs $144M prior quarter and $165M prior year; adjusted operating income $176M.","Record primary insurance-in-force $253B (+9% YoY); persistency 85%; NIW $13B (down 30% YoY due to higher rates).","Delinquency rate improved to 1.93% from 2.40% YoY; loss ratio -5% due to $70M reserve release from COVID cures.","Quarterly dividend increased 14% to $0.16/share from $0.14, payable June 14; share repurchases $32M YTD.","Credit ratings upgraded (S&P BBB+, Moody's A3, Fitch A-); PMIERs sufficiency 164% ($2.1B above requirement)."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-23-000085","json":"https://secwatch.observer/filing/0001823529-23-000085.json","markdown":"https://secwatch.observer/filing/0001823529-23-000085.md","text":"https://secwatch.observer/filing/0001823529-23-000085.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352923000085/0001823529-23-000085-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352923000085/act-20230503.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T01:32:57.070139+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":"524a7b56a0a1080bce27d81234ac5d9830fde4fd","claim":"Enact Holdings, Inc. reported the quarter ended March 31, 2023 results: net income $176 million, EPS $1.08 per diluted share.","evidence_excerpt":"First quarter GAAP Net Income of $176 million, or $1.08 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1823529/000182352923000085/0001823529-23-000085-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2023"},{"label":"Net income","value":"$176 million"},{"label":"EPS","value":"$1.08 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"}