{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-25-000004","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2025-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.090895+00:00","generated_at":"2026-05-27T03:37:01.585488+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 reports Q4 net income $163M ($1.05 EPS); declares $0.185 quarterly dividend","bullets":["GAAP net income $163M ($1.05/share); adjusted operating income $169M ($1.09/share) for Q4 2024.","Record primary insurance in-force $269B, up 2% YoY; PMIERs sufficiency 167% or $2.05B.","Loss ratio increased to 10% in Q4 from 5% in Q3 due to lower reserve release and higher new delinquencies.","Returned $354M to shareholders in 2024; Board declares $0.185/share quarterly dividend payable March 14.","Fitch upgraded EMICO insurer financial strength rating to A from A- in January 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-25-000004","json":"https://secwatch.observer/filing/0001823529-25-000004.json","markdown":"https://secwatch.observer/filing/0001823529-25-000004.md","text":"https://secwatch.observer/filing/0001823529-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352925000004/0001823529-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352925000004/act-20250204.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T03:37:01.585488+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}