---
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"
generated_at: "2026-05-17T00:23:36.399198+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Enact Holdings Q3 net income $163M ($1.10/sh), raises 2025 capital return target to ~$500M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1823529/000182352925000225/0001823529-25-000225-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823529/000182352925000225/act-20251105.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-25-000225
- JSON: https://secwatch.observer/filing/0001823529-25-000225.json
- Plain text: https://secwatch.observer/filing/0001823529-25-000225.txt

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