---
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"
generated_at: "2026-05-17T23:10:32.448449+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Enact Q2 net income $168M ($1.11 EPS); raises 2025 capital return guidance to ~$400M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1823529/000182352925000184/0001823529-25-000184-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823529/000182352925000184/act-20250730.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-25-000184
- JSON: https://secwatch.observer/filing/0001823529-25-000184.json
- Plain text: https://secwatch.observer/filing/0001823529-25-000184.txt

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