Enact Holdings (ACT)
Nasdaq Market Closed
Enact Holdings, Inc. is a U.S. private mortgage insurance company that supports the residential housing finance market. Its core business is providing mortgage guaranty insurance on home loans, primarily for borrowers who make down payments below the threshold typically required to avoid mortgage insurance. This coverage protects lenders and investors against a portion of losses if a borrower defaults, helping expand access to mortgage credit while managing risk within the lending system.
The company’s main customers are mortgage lenders and loan originators that determine which mortgage insurer is used when coverage is required on newly originated residential loans. Enact writes and assumes residential mortgage guaranty insurance and operates through a single reportable segment: mortgage insurance. Its products are closely tied to the volume and credit quality of U.S. mortgage originations, as well as trends in home prices, employment, interest rates, and borrower credit performance.
Private mortgage insurance plays an important role in the U.S. housing market because it enables many borrowers to purchase homes with less than a 20% down payment while still meeting requirements for loans sold to major mortgage investors. Enact participates in this market by underwriting risk, collecting premiums, and managing a portfolio of insured loans over time.
As a listed company, Enact’s performance is influenced by housing activity, persistency of insurance policies, claims experience, capital requirements, and competition among mortgage insurers. Its business is financial rather than property ownership-based, with profitability depending on disciplined underwriting, pricing, risk management, and the long-term health of the residential mortgage market.
Last updated
- Market Cap
- 5.74B
- P/E
- 8.49
- P/FCF
- —
- P/S
- 4.63
- Enterprise Value
- 5.94B
- Sector
- Financials
- Industry
- Insurance Agents, Brokers, and Service
- Address
- 8325 SIX FORKS ROAD, RALEIGH, NC, 27615
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 5.74B
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 5.94B
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 8.49
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.08
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 4.63
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 6.56
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 4.79
- EPS
- 4.84
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.13%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- —
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 7.96
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- —
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 12.66%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 9.71%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.14
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 7
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 7
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 6.44
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 302.02K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 41.15
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 312.07M | 312.71M | 311.46M | 304.89M | 306.78M |
| Gross profit | 227.87M | 294.9M | 225.07M | 226.8M | 226.14M |
| Operating income | 225.75M | 235.55M | 222.73M | 226.8M | 223.71M |
| EBITDA | 227.87M | 223.79M | 236.22M | 217.85M | 226.14M |
| Net income | 167.77M | 177.16M | 163.5M | 167.81M | 165.78M |
| Basic EPS | 1.18 | 1.22 | 1.11 | 1.12 | 1.09 |
| Diluted EPS | 1.18 | 1.22 | 1.1 | 1.11 | 1.08 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 6.96B | 6.89B | 6.88B | 6.77B | 6.72B |
| Total liabilities | 1.62B | 1.54B | 1.56B | 1.55B | 1.6B |
| Total equity | 5.34B | 5.36B | 5.32B | 5.22B | 5.12B |
| Cash & equivalents | 549.04M | 582.49M | 543.58M | 612.97M | 635.27M |
| Current assets | 596.44M | 628.62M | 592.23M | 657.06M | 681.72M |
| Current liabilities | 85.25M | 91.64M | 96.03M | 101.21M | 107.52M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 224.04M | 186.27M | 192.01M | 119.52M | 226.72M |
| Investing cash flow | -125.48M | 10.07M | -121.26M | -25.61M | -89.58M |
| Financing cash flow | -132.01M | -157.42M | -140.14M | -116.21M | -101.31M |
| Change in cash | -33.45M | 38.92M | -69.39M | -22.3M | 35.84M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 144 — Enact Holdings, Inc. | View Filing | |
| edgar index | 8-K — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — RESTREPO ROBERT P JR | View Filing | |
| form 4 | Form 4 — BLESS MICHAEL A | View Filing | |
| form 4 | Form 4 — FISK JOHN D | View Filing | |
| form 4 | Form 4 — Addesso Dominic James | View Filing | |
| form 4 | Form 4 — Addesso Dominic James | View Filing | |
| form 4 | Form 4 — Addesso Dominic James | View Filing | |
| form 4 | Form 4 — STILL DEBRA | View Filing | |
| form 4 | Form 4 — THOMPSON WESTLEY V | View Filing | |
| form 4 | Form 4 — Hooda Sheila | View Filing | |
| form 4 | Form 4 — Mitchell H Elizabeth | View Filing | |
| edgar index | 10-Q — Enact Holdings, Inc. | View Filing | |
| edgar index | 8-K — Enact Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Genworth Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| form 4 | Form 4 — McMullen James | View Filing | |
| form 4 | Form 4 — McMullen James | View Filing | |
| form 4 | Form 4 — McMullen James | View Filing | |
| form 4 | Form 4 — Genworth Holdings, Inc. | View Filing | |
| edgar index | DEF 14A — Enact Holdings, Inc. | View Filing | |
| edgar index | DEFA14A — Enact Holdings, Inc. | View Filing | |
| edgar index | ARS — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| edgar index | 4 — Enact Holdings, Inc. | View Filing | |
| form 4 | Form 4 — BLESS MICHAEL A | View Filing | |
| form 4 | Form 4 — Mitchell H Elizabeth | View Filing | |
| form 4 | Form 4 — THOMPSON WESTLEY V | View Filing | |
| form 4 | Form 4 — Addesso Dominic James | View Filing | |
| form 4 | Form 4 — Addesso Dominic James | View Filing | |
| form 4 | Form 4 — Addesso Dominic James | View Filing | |
| form 4 | Form 4 — Stolove Evan | View Filing | |
| form 4 | Form 4 — Stolove Evan | View Filing | |
| form 4 | Form 4 — Stolove Evan | View Filing | |
| form 4 | Form 4 — Derstine Michael | View Filing | |
| form 4 | Form 4 — Derstine Michael | View Filing | |
| form 4 | Form 4 — Derstine Michael | View Filing | |
| form 4 | Form 4 — STILL DEBRA | View Filing | |
| form 4 | Form 4 — RESTREPO ROBERT P JR | View Filing | |
| form 4 | Form 4 — FISK JOHN D | View Filing | |
| form 4 | Form 4 — McMullen James | View Filing | |
| form 4 | Form 4 — McMullen James | View Filing | |
| form 4 | Form 4 — McMullen James | View Filing | |
| form 4 | Form 4 — McMullen James | View Filing | |
| form 4 | Form 4 — McMullen James | View Filing | |
| form 4 | Form 4 — Mitchell Hardin Dean | View Filing | |
| form 4 | Form 4 — Mitchell Hardin Dean | View Filing | |
| form 4 | Form 4 — Mitchell Hardin Dean | View Filing | |
| form 4 | Form 4 — Gupta Rohit | View Filing | |
| form 4 | Form 4 — Gupta Rohit | View Filing |