secwatch.observer — SEC 8-K summary
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Issuer:     Enact Holdings, Inc. (ACT)
CIK:        0001823529
Form:       8-K
Filed at:   2025-02-04T23:59:59+00:00
Accession:  0001823529-25-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1823529/000182352925000004/0001823529-25-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1823529/000182352925000004/act-20250204.htm
  HTML page:      https://secwatch.observer/filing/0001823529-25-000004

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer