ACT at a glance
Enact Holdings, Inc. (ACT, SEC CIK 1823529) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 5, 2026 and Form 4 insider filings as recently as October 5, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Enact Holdings, Inc. (ACT) reported revenue of $1.2 billion (up 2.8% from FY2024) and net income of $674.2 million. Diluted EPS was $4.52.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding Enact Holdings, Inc. (ACT) shares worth $747.3 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Genworth Holdings, Inc. on September 30, 2026 of 762,894 shares at $48.65 per share.
- In the last 90 days, ACT insiders reported 0 open-market purchases ($0) and 4 open-market sales ($96.1M) on Form 4, a net sale of $96.1M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.2B
- +2.8% vs prior year
- Insiders · 90 days
- 0 buys · 4 sells
- Net −$96.1M
- 13F holders
- 29 funds
- $747.3M · −1 vs prior quarter
- Latest 8-K
- Aug 5, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Private mortgage insurance provider covering Low Down Payment Loans across all US states and DC, facilitating secondary mortgage market sales
- New emphasis: Expanded credit risk transfer (CRT) program as a central risk management and capital efficiency strategy
- Strategic focus: Strengthened underwriting differentiation and capital management via CRT to mitigate loss volatility and optimize return on equity
- Quantitative metric: New insurance written (NIW) $51.5B in 2025, slightly up from $51.0B in 2024; net income $674M in 2025 versus $688M prior year
- Noteworthy fact: Minority IPO of 18.4% completed in September 2021 remains key corporate structure point alongside $500M capital contribution to Bermuda-based Enact Re in 2023
Risk Factors
- Regulatory risk from FHFA/PMIERs affecting capital relief via Credit Risk Transfer program, essential for risk and capital management
- Macroeconomic exposure to rising interest rates (6.67% weighted average mortgage rate 2024) impacting mortgage origination and persistency
- Operational risk from loss reserve estimation; $572M reserve with $79M sensitivity to 4-point claim rate change impacting earnings
- Competitive risk from government agencies FHA and VA as primary competitors focusing on price and underwriting guidelines
- Financial risk from $6.05B fixed maturity securities portfolio vulnerable to market value declines from rising interest rates and credit spread widening
Management Discussion & Analysis
- Revenue flat with premiums marginally up; net earned premium rate slightly down from 36 to 35 bps
- Adjusted operating income $687.8M in 2025 vs $718.4M in 2024; decline due to higher losses offset by better investment income and lower expenses
- Best segment: Net investment income increased on higher yields and assets; losses improved with $200M net reserve release in 2025 vs $252M in 2024
- Worst segment: Losses increased with new primary delinquencies 50,481 in 2025 (+4%) leading to $299M losses vs $287M in 2024
- Cash flow: No explicit buyback/dividend/capex data disclosed in excerpt; interest expense related to 2029 Notes in 2025 vs 2025 and 2029 Notes in 2024
- Outlook/risk: Management notes stable effective tax rate ~21.5% and ongoing yield optimization strategy with opportunistic fixed maturity sales to enhance income
AI summary of the ACT 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Q2 revenue $317.3M, up 4% YoY from $304.9M; net income $174.8M vs $167.8M
- Loss ratio 14% vs 10% YoY; expense ratio 21% vs 22%
- Primary NIW $15.2B, up 15% YoY from $13.3B; refinances $1.9B vs $0.9B
- Reserve release $37M vs $48M YoY; current-period delinquency loss expense $68M vs $69M
- Housing affordability challenges, elevated mortgage rates, inflation 3.5%, and geopolitical uncertainty as near-term headwinds
Risk Factors
- No Risk Factors section provided; submitted text covers share repurchases, trading plans, exhibits, and signatures
- Share-repurchase authorization: $500 million additional program announced February 3, 2026
- Repurchase liquidity: $374.746 million remaining under announced programs at June 30, 2026
- No director or Section 16 officer adopted or terminated trading arrangements during the quarter
AI summary of the ACT 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results released for quarter ended June 30, 2026
- Financial supplement accompanies earnings release for detailed operating metrics
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 11 director nominees elected to serve through the 2027 annual meeting
- Thomas J. McInerney received the highest withheld votes at 10,277,041, signaling comparatively weaker shareholder support
Item 2.02: Results of Operations and Financial Condition
- Q1 2026 financial results released for quarter ended March 31, 2026
- Financial supplement accompanies results, providing detailed quarterly performance data
AI summaries of ACT 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ACT
Don't miss the next ACT filing
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- Fund moves. Which tracked funds opened, added or cut ACT, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| McMullen James | M | Oct 1, 2026 | 887 | - |
| McMullen James | F | Oct 1, 2026 | 253 | $44.15 |
| McMullen James | M | Oct 1, 2026 | 887 | - |
| Genworth Holdings, Inc. | Sell | Sep 30, 2026 | 762,894 | $48.65 |
| Mitchell Hardin Dean | A | Sep 17, 2026 | 32 | - |
| Mitchell Hardin Dean | A | Sep 17, 2026 | 51 | - |
| Mitchell Hardin Dean | A | Sep 17, 2026 | 66 | - |
| RESTREPO ROBERT P JR | A | Sep 17, 2026 | 177 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $1.2B | $1.2B | $1.2B | |
| Net Income | $665.5M | $688.1M | $674.2M | |
| Net Margin | 57.7% | 57.3% | 54.6% | |
| Balance Sheet | ||||
| Total Assets | $6.2B | $6.5B | $6.9B | |
| Equity | $4.6B | $5.0B | $5.4B | |
| ROE | 14.4% | 13.8% | 12.6% | |
| Per Share | ||||
| EPS | $4.11 | $4.37 | $4.52 | |
| Cash Flow | ||||
| Operating CF | $632.0M | $686.3M | $724.5M | |
Source: XBRL data in Enact Holdings, Inc. (ACT)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ACT share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $747.3M |
| Q1 2026 | 30 | $663.2M |
| Q4 2025 | 27 | $612.2M |
| Q3 2025 | 28 | $628.6M |
| Q2 2025 | 29 | $636.9M |
| Q1 2025 | 23 | $404.6M |
| Q4 2024 | 20 | $322.0M |
| Q3 2024 | 16 | $195.8M |
- BlackRock+115.8K (+2%)
- Dimensional Fund Advisors+105.7K (+4%)
- Millennium Management+78.6K (+222%)
- D.E. Shaw & Co+74.6K (+94%)
- Citigroup+74.0K (+376%)
- Two Sigma Investments−229.5K (-45%)
- Franklin Resources−138.0K (-95%)
- Prudential Financial−84.8K (-25%)
- Vanguard Capital Management LLC−47.9K (-4%)
- Bank of America Corp−34.6K (-15%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 202 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ACT filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 5, 2026 | - | Analysis | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
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ACT SEC filings: frequently asked questions
Are ACT insiders buying or selling?
In the last 90 days, Enact Holdings, Inc. (ACT) officers, directors and 10% owners reported no open-market purchases and 4 open-market sales worth $96.1 million by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold ACT stock?
As of June 30, 2026, the largest Enact Holdings, Inc. (ACT) holders among the 13F filers tracked by SignalX were BlackRock ($218.5 million), Dimensional Fund Advisors ($142.1 million), Vanguard Portfolio Management LLC ($80.4 million), State Street Corp ($57.5 million), Vanguard Capital Management LLC ($57.0 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ACT's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Enact Holdings, Inc. (ACT) reported revenue of $1.2 billion (up 2.8% from FY2024) and net income of $674.2 million. Diluted EPS was $4.52. The figures come from the XBRL data in the 10-K.
What are the main risks in ACT's latest 10-K?
In the 10-K filed February 27, 2026, Enact Holdings, Inc. (ACT) flagged: Regulatory risk from FHFA/PMIERs affecting capital relief via Credit Risk Transfer program, essential for risk and capital management. Macroeconomic exposure to rising interest rates (6.67% weighted average mortgage rate 2024) impacting mortgage origination and persistency. (AI summary of the Risk Factors section.)
What did ACT report in its latest 8-K?
Enact Holdings, Inc. (ACT) filed an 8-K on August 5, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Q2 2026 results released for quarter ended June 30, 2026.
What are the latest ACT SEC filings?
Enact Holdings, Inc. (ACT) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 5, 2026 and a Form 4 insider filing on October 5, 2026.
What is ACT's SEC CIK number?
Enact Holdings, Inc. (ACT)'s SEC Central Index Key (CIK) is 1823529. EDGAR lists every ACT filing under that number.
Ask anything about ACT
The research agent reads ACT's filings, financials, insider trades and 13F holders, then answers with sources.