---
schema_version: "secwatch.filing_event.v1"
accession: "0001823529-23-000154"
form_type: "8-K"
ticker: "ACT"
cik: "0001823529"
company_name: "Enact Holdings, Inc."
filed_at: "2023-08-01T23:59:59+00:00"
generated_at: "2026-06-12T18:51:34.284595+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Enact Q2 GAAP EPS $1.04, adj EPS $1.10; record $258B IIF; ups 2023 capital return to $300M

## Summary
- GAAP net income $168M ($1.04/diluted); adjusted operating income $178M ($1.10/diluted).
- Primary insurance-in-force record $258B, up 9% YoY; persistency 84%, NIW $15B.
- Loss ratio of (2)% due to $63M reserve release; delinquency rate improved to 1.86%.
- New $100M share repurchase authorization added to $75M program; dividend raised to $0.16/share.
- Launched Enact Re, Bermuda reinsurer; Fitch upgraded EMICO to A- and senior debt to BBB-.

## SEC filing metadata
- accession: 0001823529-23-000154
- form_type: 8-K
- ticker: ACT
- cik: 0001823529
- company_name: Enact Holdings, Inc.
- filed_at: 2023-08-01T23:59:59+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/1823529/000182352923000154/0001823529-23-000154-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823529/000182352923000154/act-20230801.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-23-000154
- JSON: https://secwatch.observer/filing/0001823529-23-000154.json
- Plain text: https://secwatch.observer/filing/0001823529-23-000154.txt

## Key facts
- Earnings Releases
  Enact Holdings, Inc. reported quarter ended June 30, 2023 results: net income Net income was $168 million, EPS $1.04 per diluted share.
  - Period: quarter ended June 30, 2023
  - Net income: Net income was $168 million
  - EPS: $1.04 per diluted share
  - Result: reported results
  source text: On August 1, 2023, Enact Holdings, Inc. (the “Company”) issued (1) a press release announcing its financial results for the quarter ended June 30, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1823529/000182352923000154/0001823529-23-000154-index.htm
- Earnings Releases
  Enact Holdings, Inc. reported second quarter of 2023 results: net income Adjusted Operating Income of $178 million, EPS $1.10 per diluted share.
  - Period: second quarter of 2023
  - Net income: Adjusted Operating Income of $178 million
  - EPS: $1.10 per diluted share
  - Result: reported results
  source text: ENACT REPORTS SECOND QUARTER 2023 RESULTS _______________________________________ GAAP Net Income of $168 million, or $1.04 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1823529/000182352923000154/0001823529-23-000154-index.htm
- Earnings Releases
  Enact Holdings, Inc. reported second quarter of 2023 results: net income Adjusted Operating Income of $178 million, EPS $1.10 per diluted share.
  - Period: second quarter of 2023
  - Net income: Adjusted Operating Income of $178 million
  - EPS: $1.10 per diluted share
  - Result: reported results
  source text: ENACT REPORTS SECOND QUARTER 2023 RESULTS _______________________________________ GAAP Net Income of $168 million, or $1.04 per diluted share Adjusted Operating Income of $178 million, or $1.10 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1823529/000182352923000154/0001823529-23-000154-index.htm

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