---
schema_version: "secwatch.filing_event.v1"
accession: "0001823529-24-000005"
form_type: "8-K"
ticker: "ACT"
cik: "0001823529"
company_name: "Enact Holdings, Inc."
filed_at: "2024-02-06T23:59:59+00:00"
generated_at: "2026-06-06T08:25:16.637661+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Enact Q4 GAAP EPS $0.98, full year $4.11; record IIF $263B; returns >$300M to shareholders

## Summary
- Net income $157M ($0.98/sh) in Q4 vs $164M Q3; full year $666M ($4.11/sh). Adjusted operating income $158M ($0.98/sh).
- Record primary IIF $263B (+6% YoY). NIW $10B down 27% sequentially and 31% YoY due to smaller mortgage market.
- Loss ratio 10% (up from 7% Q3) on higher delinquencies; delinquency rate 2.10% vs 1.97% Q3.
- Returned >$300M to shareholders in 2023 via dividends and $88M in share repurchases; $82M remains on buyback.
- S&P upgraded EMICO to A- (from BBB+). New 2024 quota share cedes ~21% of expected NIW; executed first Australia reinsurance deal.

## SEC filing metadata
- accession: 0001823529-24-000005
- form_type: 8-K
- ticker: ACT
- cik: 0001823529
- company_name: Enact Holdings, Inc.
- filed_at: 2024-02-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1823529/000182352924000005/0001823529-24-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823529/000182352924000005/act-20240206.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-24-000005
- JSON: https://secwatch.observer/filing/0001823529-24-000005.json
- Plain text: https://secwatch.observer/filing/0001823529-24-000005.txt

## Key facts
- Earnings Releases
  Enact Holdings, Inc. reported quarter ended December 31, 2023 results: net income $157 million, EPS $0.98 per diluted share.
  - Period: quarter ended December 31, 2023
  - Net income: $157 million
  - EPS: $0.98 per diluted share
  - Result: reported results
  source text: On February 6, 2024, Enact Holdings, Inc. (the “Company”) issued (1) a press release announcing its financial results for the quarter and year ended December 31, 2023, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference
  evidence_url: https://www.sec.gov/Archives/edgar/data/1823529/000182352924000005/0001823529-24-000005-index.htm
- Earnings Releases
  Enact Holdings, Inc. reported year ended December 31, 2023 results: net income $666 million, EPS $4.11 per diluted share.
  - Period: year ended December 31, 2023
  - Net income: $666 million
  - EPS: $4.11 per diluted share
  - Result: reported results
  source text: On February 6, 2024, Enact Holdings, Inc. (the “Company”) issued (1) a press release announcing its financial results for the quarter and year ended December 31, 2023, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference
  evidence_url: https://www.sec.gov/Archives/edgar/data/1823529/000182352924000005/0001823529-24-000005-index.htm

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