{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-25-000225","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.630288+00:00","generated_at":"2026-05-17T00:23:36.399198+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Enact Holdings Q3 net income $163M ($1.10/sh), raises 2025 capital return target to ~$500M","bullets":["GAAP net income $163M ($1.10/sh) vs $181M ($1.15/sh) YoY; adjusted operating income $166M ($1.12/sh).","Primary IIF $272B (+2% YoY); PMIERs sufficiency 162% (~$1.9B above requirements).","2025 capital return guidance raised to ~$500M; quarterly dividend $0.21/sh payable Dec 11.","Repurchased 2.8M shares at avg $37.23 in Q3; new $435M revolver replaced $200M facility.","Loss ratio 15% (vs 5% YoY); net premiums earned flat at $245M; Moody's/A.M. Best upgrades."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-25-000225","json":"https://secwatch.observer/filing/0001823529-25-000225.json","markdown":"https://secwatch.observer/filing/0001823529-25-000225.md","text":"https://secwatch.observer/filing/0001823529-25-000225.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352925000225/0001823529-25-000225-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352925000225/act-20251105.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:23:36.399198+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"}