---
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"
generated_at: "2026-05-27T03:37:01.585488+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Enact reports Q4 net income $163M ($1.05 EPS); declares $0.185 quarterly dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-25-000004
- JSON: https://secwatch.observer/filing/0001823529-25-000004.json
- Plain text: https://secwatch.observer/filing/0001823529-25-000004.txt

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