{"schema_version":"secwatch.filing_event.v1","accession":"0001823529-26-000186","form_type":"8-K","ticker":"ACT","cik":"0001823529","company_name":"Enact Holdings, Inc.","filed_at":"2026-08-05T20:23:10+00:00","discovered_at":"2026-08-05T20:24:00.291043+00:00","generated_at":"2026-08-05T20:24:39.459867+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Enact Q2 2026 net income $175M ($1.25 EPS); raises full-year capital return guidance to $550-600M","bullets":["GAAP net income $175M ($1.25 diluted EPS); adjusted operating income $177M ($1.26 diluted EPS).","NIW $15B, up 19% QoQ and 15% YoY; primary IIF $274B, up 2% YoY.","Loss ratio 14% (vs 10% YoY); net premiums earned $245M flat YoY.","Declared $0.24/share dividend payable Sept 17; repurchased 2.2M shares for $93M in Q2.","Increased 2026 capital return guidance to $550-600M; PMIERs sufficiency 161% ($1.9B above requirement)."],"urls":{"canonical":"https://secwatch.observer/filing/0001823529-26-000186","json":"https://secwatch.observer/filing/0001823529-26-000186.json","markdown":"https://secwatch.observer/filing/0001823529-26-000186.md","text":"https://secwatch.observer/filing/0001823529-26-000186.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823529/000182352926000186/0001823529-26-000186-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823529/000182352926000186/act-20260805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-05T20:24:39.459867+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"}