7Baggers

Enact Holdings, Inc.
(NASDAQ:ACT) 

ACT stock logo

Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company is involved in writing and assuming residential mortgage guaranty insurance. It offers private mortgage insurance products primarily insuring prime-based, individually underwritten residential mor...

Founded: 1981
CEO: Rohit Gupta  
Sector: Financial Services
Industry: Insurance—Specialty
Insurance
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• Market Cap:
• Exchange:
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• Employees:
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At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
    Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 
                       
      revenues:
    		                   
      premiums
    		242,850,000 245,742,000 244,688,000 245,289,000 244,786,000 245,735,000 249,055,000 244,567,000 240,747,000 240,101,000 243,346,000 238,520,000 235,108,000 232,737,000 235,060,000 237,386,000 234,279,000 236,864,000 243,063,000 
      net investment income
    		70,906,000 68,621,000 68,611,000 65,884,000 63,037,000 62,624,000 61,056,000 59,773,000 57,111,000 56,161,000 54,952,000 50,915,000 45,341,000 44,896,000 39,493,000 35,776,000 35,146,000 35,246,000 35,995,000 
      net investment gains
    		-5,823,000 -2,856,000 -2,834,000 -7,343,000 -3,243,000 -7,167,000 -1,243,000 -7,713,000 -6,684,000 -876,000 -23,000 -13,001,000 -122,000 -1,274,000 -42,000   5,000 580,000 
      other income
    		4,136,000 1,199,000 990,000 1,060,000 2,196,000 584,000 720,000 2,207,000 402,000 804,000 760,000 1,088,000 612,000 483,000 564,000 760,000 502,000 727,000 671,000 
      total revenues
    		312,069,000 312,706,000 311,455,000 304,890,000 306,776,000 301,776,000 309,588,000 298,834,000 291,576,000 296,190,000 299,035,000 277,522,000 280,939,000 276,842,000 275,075,000 273,541,000 269,588,000 272,842,000 280,309,000 
      yoy
    		1.73% 3.62% 0.60% 2.03% 5.21% 1.89% 3.53% 7.68% 3.79% 6.99% 8.71% 1.46% 4.21% 1.47% -1.87%     
      qoq
    		-0.20% 0.40% 2.15% -0.61% 1.66% -2.52% 3.60% 2.49% -1.56% -0.95% 7.75% -1.22% 1.48% 0.64% 0.56% 1.47% -1.19% -2.66%  
      losses and expenses:
    		                   
      losses incurred
    		37,161,000 17,811,000 35,885,000 25,289,000 30,541,000 23,813,000 12,164,000 -16,821,000 19,501,000 24,372,000 17,847,000 -4,070,000 -10,984,000 18,097,000 -40,309,000 -61,563,000 -10,446,000 5,972,000 34,124,000 
      acquisition and operating expenses, net of deferrals
    		47,037,000 57,134,000 50,500,000 50,598,000 50,094,000 55,325,000 53,091,000 53,960,000 50,934,000 56,560,000 52,339,000 51,887,000 51,705,000 59,955,000 54,523,000 58,201,000 54,262,000 55,630,000 55,151,000 
      amortization of deferred acquisition costs and intangibles
    		2,123,000 2,211,000 2,344,000 2,205,000 2,429,000 2,522,000 2,586,000 2,292,000 2,259,000 2,566,000 2,803,000 2,645,000 2,640,000 2,747,000 3,338,000 3,230,000 3,090,000 3,600,000 3,669,000 
      interest expense
    		12,368,000 12,465,000 12,897,000 12,296,000 12,291,000 12,262,000 12,290,000 13,644,000 12,961,000 12,948,000 12,941,000 12,913,000 13,065,000 13,258,000 12,879,000 12,786,000 12,776,000 12,771,000 12,756,000 
      total losses and expenses
    		98,689,000 89,621,000 101,626,000 90,388,000 95,355,000 93,922,000 80,131,000 64,005,000 85,655,000 96,446,000 85,930,000 63,375,000 56,426,000 94,057,000 30,431,000 12,654,000 59,682,000 77,973,000 105,700,000 
      income before income taxes
    		213,380,000 223,085,000 209,829,000 214,502,000 211,421,000 207,854,000 229,457,000 234,829,000 205,921,000 199,744,000 213,105,000 214,147,000 224,513,000 182,785,000 244,644,000 260,887,000 209,906,000 125,086,750 174,609,000 
      provision for income taxes
    		45,608,000 45,924,000 46,332,000 46,694,000 45,643,000 45,116,000 48,788,000 51,156,000 44,933,000 42,436,000 48,910,000 46,127,000 48,525,000 38,979,000 53,658,000 56,152,000 45,276,000 41,335,000 37,401,000 
      net income
    		167,772,000 177,161,000 163,497,000 167,808,000 165,778,000 162,738,000 180,669,000 183,673,000 160,988,000 157,308,000 164,195,000 168,020,000 175,988,000 143,806,000 190,986,000 204,735,000 164,630,000 153,534,000 137,208,000 
      yoy
    		1.20% 8.86% -9.50% -8.64% 2.98% 3.45% 10.03% 9.32% -8.52% 9.39% -14.03% -17.93% 6.90% -6.34% 39.19%     
      qoq
    		-5.30% 8.36% -2.57% 1.22% 1.87% -9.92% -1.64% 14.09% 2.34% -4.19% -2.28% -4.53% 22.38% -24.70% -6.72% 24.36% 7.23% 11.90%  
      net income margin %
    		53.76% 56.65% 52.49% 55.04% 54.04% 53.93% 58.36% 61.46% 55.21% 53.11% 54.91% 60.54% 62.64% 51.95% 69.43% 74.85% 61.07% 56.27% 48.95% 
      net income per common share:
    		                   
      basic
    		1,180 1,220 1,110 1,120 1,090 1,060 1,160 1,170 1,010 990 1,030 1,040 1,080 880 1,170 1,260 1,010 950 840 
      diluted
    		1,180 1,220 1,100 1,110 1,080 1,060 1,150 1,160 1,010 980 1,020 1,040 1,080 880 1,170 1,250 1,010 950 840 
      weighted-average common shares outstanding:
    		                   
      basic
    		141,595,000 148,373,000 147,434,000 149,940,000 151,831,000 156,277,000 155,561,000 157,193,000 158,818,000 160,870,000 160,066,000 161,318,000 162,442,000 162,838,000 162,843,000 162,842,000 162,841,000 162,840,000 162,840,000 
      diluted
    		142,634,000 149,318,000 148,340,000 150,729,000 152,907,000 157,554,000 157,016,000 158,571,000 160,087,000 161,847,000 161,146,000 162,171,000 163,179,000 163,294,000 163,376,000 163,225,000 163,054,000 162,879,000 162,852,000 
      loss on debt extinguishment
    		       10,930,000            
      net investment losses
    		               -381,000 -339,000   
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 
                         
        assets
      		                   
        fixed maturity securities available-for-sale, at fair value
      		6,133,789,000 6,050,542,000 6,068,501,000 5,896,818,000 5,815,337,000 5,624,773,000 5,652,399,000 5,331,345,000 5,351,138,000 5,266,141,000 4,990,692,000 4,915,039,000 4,929,627,000 4,884,760,000 4,877,902,000 4,909,362,000 5,093,084,000 5,266,339,000 5,376,067,000 
        cash and cash equivalents
      		549,040,000 582,493,000 543,577,000 612,967,000 635,269,000 599,432,000 673,363,000 699,035,000 614,330,000 615,683,000 677,990,000 691,416,000 621,621,000 513,775,000 535,775,000 583,947,000 440,160,000 425,828,000 451,582,000 
        accrued investment income
      		56,344,000 56,073,000 53,895,000 53,259,000 49,653,000 49,595,000 45,954,000 45,317,000 43,450,000 41,559,000 42,051,000 37,726,000 35,945,000 35,844,000 35,896,000 33,103,000 32,565,000 31,061,000 31,372,000 
        deferred acquisition costs
      		22,177,000 22,232,000 22,521,000 22,910,000 23,322,000 23,771,000 24,160,000 24,619,000 24,861,000 25,006,000 25,572,000 25,843,000 25,954,000 26,121,000 26,310,000 26,689,000 27,000,000 27,220,000 27,788,000 
        premiums receivable
      		47,398,000 46,130,000 48,648,000 44,091,000 46,451,000 53,031,000 48,834,000 48,698,000 43,927,000 45,070,000 44,310,000 43,525,000 42,005,000 41,738,000 40,331,000 41,036,000 40,381,000 42,266,000 43,425,000 
        other assets
      		122,692,000 116,007,000 114,114,000 107,882,000 103,352,000 102,549,000 100,723,000 98,929,000 126,644,000 88,306,000 82,196,000 80,363,000 77,026,000 76,391,000 69,040,000 67,601,000 103,157,000 73,059,000 48,572,000 
        deferred tax asset
      		30,562,000 19,989,000 23,185,000 32,545,000 44,440,000 65,013,000 50,063,000 89,116,000 89,370,000 88,489,000 119,704,000 119,099,000 107,868,000 127,473,000 135,152,000 98,695,000 56,060,000   
        total assets
      		6,962,002,000 6,893,466,000 6,876,443,000 6,773,473,000 6,721,520,000 6,521,531,000 6,597,046,000 6,349,372,000 6,303,683,000 6,190,473,000 6,000,688,000 5,923,860,000 5,842,231,000 5,709,149,000 5,722,840,000 5,760,433,000 5,792,407,000 5,865,773,000 5,991,306,000 
        liabilities and equity
      		                   
        liabilities:
      		                   
        loss reserves
      		590,393,000 572,470,000 572,054,000 551,940,000 542,528,000 524,715,000 510,401,000 508,138,000 531,443,000 518,191,000 501,093,000 490,203,000 501,427,000 519,008,000 510,237,000 558,894,000 625,279,000 641,325,000 648,365,000 
        unearned premiums
      		85,252,000 91,639,000 96,031,000 101,205,000 107,519,000 114,680,000 121,382,000 129,870,000 138,886,000 149,330,000 161,580,000 174,561,000 188,680,000 202,717,000 212,987,000 224,781,000 236,410,000 246,319,000 254,806,000 
        other liabilities
      		197,956,000 129,695,000 146,958,000 153,447,000 208,667,000 142,990,000 186,312,000 143,167,000 173,500,000 145,189,000 136,057,000 139,100,000 112,043,000 143,686,000 140,413,000 154,656,000 141,125,000 130,604,000 129,464,000 
        long-term borrowings
      		744,853,000 744,481,000 744,114,000 743,753,000 743,399,000 743,050,000 742,706,000 742,368,000 746,090,000 745,416,000 744,752,000 744,100,000 743,460,000 742,830,000 742,211,000 741,602,000 741,004,000 740,416,000 739,838,000 
        total liabilities
      		1,618,454,000 1,538,285,000 1,559,157,000 1,550,345,000 1,602,113,000 1,525,435,000 1,560,801,000 1,523,543,000 1,589,919,000 1,558,126,000 1,543,482,000 1,547,964,000 1,545,610,000 1,608,241,000 1,605,848,000 1,679,933,000 1,743,818,000 1,760,250,000 1,789,925,000 
        equity:
      		                   
        common stock
      		1,403,000  1,456,000 1,484,000 1,508,000  1,544,000 1,561,000 1,577,000  1,600,000 1,602,000 1,619,000  1,628,000 1,628,000 1,628,000  1,628,000 
        additional paid-in capital
      		1,609,712,000 1,706,481,000 1,826,764,000 1,927,372,000 2,007,776,000 2,076,788,000 2,145,518,000 2,220,903,000 2,264,198,000 2,310,891,000 2,322,622,000 2,324,527,000 2,362,281,000 2,382,068,000 2,379,576,000 2,377,042,000 2,374,568,000 2,371,861,000 2,369,822,000 
        accumulated other comprehensive income
      		-82,711,000 -30,143,000 -41,785,000 -104,342,000 -152,482,000 -207,455,000 -101,984,000 -236,305,000 -237,477,000 -230,400,000 -400,349,000 -345,243,000 -320,242,000 -382,744,000 -427,085,000 -293,027,000 -140,690,000 83,581,000 133,955,000 
        retained earnings
      		3,815,144,000 3,677,421,000 3,530,851,000 3,398,614,000 3,262,605,000 3,125,240,000 2,991,167,000 2,839,670,000 2,685,466,000 2,550,263,000 2,533,333,000 2,395,010,000 2,252,963,000 2,099,956,000 2,162,873,000 1,994,857,000 1,813,083,000 1,648,453,000 1,695,976,000 
        total equity
      		5,343,548,000 5,355,181,000 5,317,286,000 5,223,128,000 5,119,407,000 4,996,096,000 5,036,245,000 4,825,829,000 4,713,764,000 4,632,347,000 4,457,206,000 4,375,896,000 4,296,621,000 4,100,908,000 4,116,992,000 4,080,500,000 4,048,589,000 4,105,523,000 4,201,381,000 
        total liabilities and equity
      		6,962,002,000 6,893,466,000 6,876,443,000 6,773,473,000 6,721,520,000 6,521,531,000 6,597,046,000 6,349,372,000 6,303,683,000 6,190,473,000 6,000,688,000 5,923,860,000 5,842,231,000 5,709,149,000 5,722,840,000 5,760,433,000 5,792,407,000 5,865,773,000 5,991,306,000 
        short-term investments
      		     3,367,000    20,219,000          
        total investments
      		 6,050,542,000 6,070,503,000 5,899,819,000 5,819,033,000 5,628,140,000 5,653,949,000 5,343,658,000 5,361,101,000 5,286,360,000 5,008,865,000 4,925,888,000 4,931,812,000 4,887,807,000 4,880,336,000    5,388,567,000 
        common stock, 0.01 par value...
      		 1,422,000    1,523,000    1,593,000    1,628,000    1,628,000  
        short-term investments, at fair value
      		  2,002,000 3,001,000 3,696,000  1,550,000 12,313,000 9,963,000  18,173,000 10,849,000 2,185,000  2,434,000    12,500,000 
        short term investments
      		             3,047,000      
        deferred tax liability
      		                 1,586,000 17,452,000 
        investments:
      		                   
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 
                          
          cash flows from operating activities:
        		                  
          net income
        		167,772,000 177,161,000 163,497,000 167,808,000 165,778,000 162,738,000 180,669,000 183,673,000 160,988,000 157,308,000 164,195,000 168,020,000 175,988,000 143,806,000 190,986,000 204,735,000 164,630,000 153,534,000 
          adjustments to reconcile net income to net cash from operating activities:
        		                  
          net investment losses
        		5,823,000  2,834,000 7,343,000 3,243,000  1,243,000 7,713,000 6,684,000  23,000 13,001,000 122,000  42,000    
          amortization of fixed maturity securities discounts and premiums
        		-3,627,000 -3,169,000 -4,283,000 -3,108,000 -3,411,000 -3,272,000 -2,996,000 -2,898,000 -2,437,000 -1,853,000 -2,455,000 -1,565,000 -657,000 -1,171,000 -463,000 -568,000 -961,000 -1,606,000 
          amortization of deferred acquisition costs and intangibles
        		2,123,000 2,211,000 2,344,000 2,205,000 2,429,000 2,522,000 2,586,000 2,292,000 2,259,000 2,566,000 2,803,000 2,645,000 2,640,000 2,747,000 3,338,000 3,230,000 3,090,000 3,600,000 
          acquisition costs deferred
        		-1,533,000 -1,345,000 -1,323,000 -1,309,000 -1,242,000 -1,409,000 -1,471,000 -1,479,000 -1,399,000 -1,213,000 -1,658,000 -1,692,000 -1,546,000 -1,634,000 -1,728,000 -1,687,000 -1,629,000 -1,741,000 
          deferred income taxes
        		3,266,000 -80,000 4,645,000 -1,286,000 4,492,000 1,055,000 2,454,000 -77,000 1,032,000 -1,692,000 1,684,000 -4,450,000 2,626,000 -3,711,000 -62,000 -1,468,000 2,943,000 -2,248,000 
          stock-based compensation expense
        		5,175,000 6,414,000 4,503,000 4,235,000 3,872,000 5,433,000 6,452,000 2,952,000 3,937,000 5,795,000 4,112,000 3,193,000 2,179,000 2,482,000 2,361,000 2,325,000 2,715,000 1,275,000 
          amortization of debt issuance costs
        		372,000 367,000 361,000 354,000 349,000 344,000 338,000 598,000 674,000 664,000 652,000 640,000 630,000 619,000 609,000 598,000 588,000  
          change in certain assets and liabilities:
        		                  
          accrued investment income
        		-271,000 -2,178,000 -636,000 -3,605,000 -59,000 -3,641,000 -637,000 -1,867,000 -1,891,000 492,000 -4,325,000 -1,781,000 -101,000 52,000 -2,793,000 -538,000 -1,504,000 311,000 
          premiums receivable
        		-1,268,000 2,518,000 -4,557,000 2,360,000 6,580,000 -4,197,000 -136,000 -4,771,000 1,143,000 -760,000 -785,000 -1,520,000 -267,000 -1,407,000 705,000 -655,000 1,885,000 1,159,000 
          other assets
        		2,134,000 2,781,000 -16,186,000 -2,409,000 -904,000 629,000 359,000 27,000 447,000 -1,163,000 1,104,000 287,000 986,000 -2,678,000 -1,550,000 -914,000 2,845,000 -2,646,000 
          loss reserves
        		17,923,000 416,000 20,114,000 9,412,000 17,813,000 14,314,000 2,263,000 -23,305,000 13,252,000 17,098,000 10,890,000 -11,224,000 -17,581,000 8,771,000 -48,657,000 -66,385,000 -16,046,000 -7,040,000 
          unearned premiums
        		-6,387,000 -4,392,000 -5,174,000 -6,314,000 -7,161,000 -6,702,000 -8,488,000 -9,016,000 -10,444,000 -12,250,000 -12,981,000 -14,119,000 -14,037,000 -10,270,000 -11,794,000 -11,629,000 -9,909,000 -8,487,000 
          other liabilities
        		32,537,000 2,706,000 25,872,000 -56,168,000 34,945,000 -8,851,000 5,500,000 -20,072,000 13,051,000 24,188,000 -8,462,000 16,411,000 -31,643,000 19,559,000 -30,667,000 13,532,000 11,822,000 22,676,000 
          net cash from operating activities
        		224,039,000 186,266,000 192,011,000 119,518,000 226,724,000 166,130,000 188,136,000 144,700,000 187,296,000 190,056,000 154,797,000 167,846,000 119,339,000 158,439,000 100,326,000 140,945,000 160,800,000 161,035,000 
          capital expenditures
        		0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 
          free cash flows
        		224,039,000 186,266,000 192,011,000 119,518,000 226,724,000 166,130,000 188,136,000 144,700,000 187,296,000 190,056,000 154,797,000 167,846,000 119,339,000 158,439,000 100,326,000 140,945,000 160,800,000 161,035,000 
          cash flows from investing activities:
        		                  
          purchases of fixed maturity securities available-for-sale
        		-419,516,000 -366,022,000 -414,013,000 -610,538,000 -505,026,000 -482,345,000 -398,179,000 -315,897,000 -409,240,000 -216,278,000 -203,078,000 -477,932,000 -121,118,000 -146,475,000 -444,850,000 -273,779,000 -351,130,000 -391,146,000 
          purchases of limited partnerships and equity interests
        		-350,000 -600,000 0 0 -500,000              
          proceeds from sales of fixed maturity securities available-for-sale
        		131,714,000 118,887,000 120,015,000 382,099,000 142,643,000 144,789,000 84,796,000 134,145,000 190,227,000 29,225,000 249,000 374,355,000 19,544,000 83,445,000 189,553,000 171,310,000 90,422,000 206,114,000 
          proceeds from maturities of fixed maturity securities available-for-sale
        		165,850,000  174,432,000 201,842,000 276,497,000  204,428,000 220,947,000 104,412,000  77,439,000 84,006,000 136,776,000  132,050,000 128,138,000 114,211,000  
          net change in short-term investments
        		  997,000 694,000 -322,000  10,766,000 -2,348,000 10,254,000  -7,324,000 -8,156,000 863,000      
          other
        		-3,178,000 -3,056,000 -2,690,000 291,000 -2,867,000  -4,157,000 -4,646,000 -3,609,000     0 -1,000 -12,000 -8,000 -1,000 
          net cash from investing activities
        		-125,480,000 10,065,000 -121,259,000 -25,612,000 -89,575,000 -136,901,000 -102,346,000 32,201,000 -113,468,000 -95,421,000 -136,332,000 -31,114,000 33,463,000 26,273,000 -125,700,000 25,669,000 -146,497,000 13,512,000 
          cash flows from financing activities:
        		                  
          repurchase of common stock
        		-93,196,000 -127,022,000 -105,513,000 -84,581,000 -65,283,000 -74,647,000 -70,987,000 -48,610,000 -49,724,000 -18,035,000 -6,292,000 -41,235,000 -22,200,000      
          dividends paid
        		-29,760,000 -30,290,000 -30,958,000 -31,497,000 -28,088,000 -28,401,000 -28,778,000 -29,083,000 -25,457,000 -138,907,000 -25,599,000 -25,702,000 -22,756,000 -205,180,000 -22,798,000    
          net cash from financing activities
        		-132,012,000 -157,415,000 -140,142,000 -116,208,000 -101,312,000 -103,160,000 -111,462,000 -92,196,000 -75,181,000 -156,942,000 -31,891,000 -66,937,000 -44,956,000 -206,712,000 -22,798,000    
          net increase in cash and cash equivalents
        		-33,453,000 38,916,000 -69,390,000 -22,302,000 35,837,000 -73,931,000 -25,672,000 84,705,000 -1,353,000 -62,307,000 -13,426,000 69,795,000 107,846,000 -22,000,000     
          cash and cash equivalents at beginning of period
        		582,493,000  0 0 599,432,000  0 0 615,683,000  0 0 513,775,000  0 0 425,828,000  
          cash and cash equivalents at end of period
        		549,040,000  -69,390,000 -22,302,000 635,269,000  -25,672,000 84,705,000 614,330,000  -13,426,000 69,795,000 621,621,000  -48,172,000 143,787,000 440,160,000  
          net losses on investments
        		                339,000 -5,000 
          loss on debt extinguishment
        		     0 0            
          maturities of fixed maturity securities available-for-sale
        		                  
          change in short-term investments
        		                  
          proceeds from the issuance of long-term debt
        		                  
          debt issuance costs
        		     -25,000 -722,000            
          redemption of long-term debt
        		     0 0            
          cash and cash equivalents at beginning of year
        		                  
          cash and cash equivalents at end of year
        		                  
          supplementary disclosure of cash flow information:
        		                  
          income taxes paid
        		                  
          interest paid
        		                  
          net proceeds from the issuance of long-term debt
        		      0            
          purchase of equity interest
        		     0 0 0 -5,512,000          
          non-cash contributions of capital from genworth
        		                  
          purchases of short-term investments
        		                  
          net decrease in cash and cash equivalents
        		               143,787,000 14,332,000  
          effect of exchange rate changes on cash and cash equivalents
        		                29,000  
          change in fair value of investment in unconsolidated affiliate, excluding cash dividend
        		                  
          proceeds from sale of investment in unconsolidated affiliate
        		                  
          proceeds from maturities of fixed maturity securities
        		                  
          non-cash contributions of capital from genworth financial, inc.