{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-26-000003","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2026-02-03T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.363519+00:00","generated_at":"2026-05-16T05:23:40.070922+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Enact Q4 net income $177M, EPS $1.22; new $500M buyback program and $0.21 quarterly dividend","bullets":["Q4 2025 net income $177M ($1.22 diluted EPS); adjusted operating income $179M ($1.23 diluted EPS).","Full-year 2025 net income $674M ($4.52 EPS); adjusted operating income $688M ($4.61 EPS).","Loss ratio fell to 7% on $60M net reserve release as claim rate expectation lowered to 8%.","Board approved $500M new share repurchase authorization; existing $350M program has $30M remaining.","Quarterly dividend of $0.21 per share declared, payable March 19, 2026 to holders of record Feb 26, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-26-000003","json":"https://secwatch.observer/filing/0001823529-26-000003.json","markdown":"https://secwatch.observer/filing/0001823529-26-000003.md","text":"https://secwatch.observer/filing/0001823529-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352926000003/0001823529-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352926000003/act-20260203.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:23:40.070922+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"}