{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-25-000184","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2025-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.153174+00:00","generated_at":"2026-05-17T23:10:32.448449+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Enact Q2 net income $168M ($1.11 EPS); raises 2025 capital return guidance to ~$400M","bullets":["GAAP net income $168M ($1.11 diluted EPS) vs $184M ($1.16) a year ago; adjusted operating income $174M ($1.15).","NIW $13B, up 35% QoQ but down modestly YoY; primary IIF $270B (+1% YoY); persistency 82%.","Loss ratio 10% with $48M reserve release; expense ratio 22%; net investment income $66M.","Repurchased 2.4M shares for ~$85M in Q2; remaining $262M under $350M authorization.","Board declared $0.21/share dividend payable Sept 8; full-year 2025 capital return guidance raised to ~$400M."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-25-000184","json":"https://secwatch.observer/filing/0001823529-25-000184.json","markdown":"https://secwatch.observer/filing/0001823529-25-000184.md","text":"https://secwatch.observer/filing/0001823529-25-000184.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352925000184/0001823529-25-000184-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352925000184/act-20250730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:10:32.448449+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"}