Short answer
Enact Holdings, Inc. (ACT) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $311M (up 0.6% year over year) with net income of $163M.
Q3 2025 key financials · XBRL
- Revenue
- $311M
- +0.6% YoY · +2.2% QoQ
- Net income
- $163M
- −9.5% YoY · −2.6% QoQ
- EPS (diluted)
- $1.10
- −4.3% YoY · −1.8% QoQ
Source: XBRL data from the Enact Holdings, Inc. (ACT) Q3 2025 10-Q on SEC EDGAR. USD.
Enact Holdings, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- New regulatory risk: FHFA acceptance of VantageScore 4.0 announced July 2025; implementation details and timeline remain uncertain
- Most materially updated risk: Loss ratio rose to 15% Q3 2025 from 5% in Q3 2024 due to normal loss development and higher delinquencies
- Regulatory compliance risk: PMIERs sufficiency ratio at 162% Sept 30, 2025, down from 165% June 30, 2025, reflecting changes in required assets and reinsurance credits
- Operational risk: Mortgage origination market slow due to elevated mortgage rates and affordability pressures affecting new insurance written growth (+3% YoY Q3 2025)
- Financial risk: New $435M unsecured revolving credit facility Sept 30, 2025, replacing prior $200M facility; remains undrawn as of filing date
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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