---
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"
generated_at: "2026-05-16T05:23:40.070922+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Enact Q4 net income $177M, EPS $1.22; new $500M buyback program and $0.21 quarterly dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-26-000003
- JSON: https://secwatch.observer/filing/0001823529-26-000003.json
- Plain text: https://secwatch.observer/filing/0001823529-26-000003.txt

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