---
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"
generated_at: "2026-08-05T20:24:39.459867+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Enact Q2 2026 net income $175M ($1.25 EPS); raises full-year capital return guidance to $550-600M

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1823529/000182352926000186/0001823529-26-000186-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823529/000182352926000186/act-20260805.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001823529-26-000186
- JSON: https://secwatch.observer/filing/0001823529-26-000186.json
- Plain text: https://secwatch.observer/filing/0001823529-26-000186.txt

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