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Enact(NASDAQ) ACT

Current Price$45.49
Market Cap$6.35BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2021)+183%
5 YearN/A
1 Year+33%
1 Month+7%
Enact last closing stock price
MetricPriceDate
Last closeUSD 45.512026-07-21
Enact stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.31%USD 45.652026-07-14
1 month+7.36%USD 42.392026-06-18
3 month+5.58%USD 43.112026-04-22
Year to date+16.03%USD 39.222025-12-31
1 year+33%USD 34.222025-07-21
3 year+88.38%USD 24.162023-07-21
Since inception+182.57%USD 16.422021-09-16

Enact Financials at a Glance

Market Cap

$6.35BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.24B

Net Income (TTM)

$676.24M

EPS (TTM)

$4.61

P/E Ratio

9.87

Dividend

$0.87

Beta (Volatility)

0.00 (Low)

Price

$45.49

Volume

16,278

Open

$46.14

Previous Close

$45.49

Daily Range

$45.46 - $46.14

52-Week Range

$33.94 - $47.28

Estimated Earnings Date

Aug 5, 2026

ACT News

No articles available.

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About Enact

Enact helps people buy and keep their homes by protecting lenders from unpaid loans. It pays banks back if a borrower cannot make their mortgage payments. This service lets more people buy a house with a small down payment.

What Enact Does

  • Primary Mortgage Insurance: Individual protection for loans where the buyer pays less than 20% down; covers roughly 25% of the unpaid balance.
  • Contract Underwriting: Outsourced services that check if loan applications meet specific rules for lenders and investors.
  • Credit Risk Transfer: Specialized programs that move potential insurance losses to other investors or big insurance partners.
  • Pool Mortgage Insurance: Group coverage used for large mortgage sets, though this now makes up only 0.1% of risk in-force.

Strategic Moves and Partnerships

  • Genworth Financial completed a minority initial public offering of 18.4% of Enact common stock in September 2021.
  • Launched Enact Re in 2023 as a Bermuda-based subsidiary to manage new and existing insurance risks.
  • Invested $500 million into Enact Re during 2023 to expand its ability to share and manage mortgage risk.
  • Operates Enact Mortgage Insurance Corporation of North Carolina to serve mortgage loans not sold to government agencies.

A Specialized Shield

Enact uses over 20 years of data to decide which mortgage risks to take. It works with 1,600 different lenders across all 50 states to reach homebuyers nationwide.

Recent Financial Results

  • Net income reached $177 million in Q4 2025, up 8.9% from Q4 2024.
  • Gross profit grew to $294 million in Q4 2025, a 33.3% increase year-over-year.
  • Free cash flow hit $186 million in Q4 2025, up 12.1% from the previous year.
  • Total revenue was $312 million in Q4 2025, up 3.2% compared to Q4 2024.
  • Market capitalization rose to $5.7 billion in Q4 2025, up 15% from the year before.

Bottom Line

Enact has moved from being a private subsidiary to a public company focused on high-quality mortgage risk management. Its use of specialized reinsurance and data tools helps maintain a steady role in the U.S. housing market.

AI Generated • Apr 22, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

419

CEO

Rohit Gupta, MBA

Website

www.enactmi.com

Headquarters

Raleigh, NC 27615, US

ACT Financials

Key Financial Metrics (TTM)

Gross Margin

82.11%

Operating Margin

69.44%

Net Income Margin

54.55%

Return on Equity

12.74%

Return on Capital

14.08%

Return on Assets

9.71%

Earnings Yield

10.13%

Dividend Yield

1.91%

Payout Ratio

18.12%

Stock Overview

Market Cap

$6.35BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

139.60M

Volume

16.28K

Avg. Volume

324.70K

Financials (TTM)

Gross Profit

$1.02B

Operating Income

$860.80M

EBITDA

$910.82M

Operating Cash Flow

$721.83M

Capital Expenditure

$0.00

Free Cash Flow

$721.83M

Cash & ST Invst.

$549.04M

Total Debt

$744.85M

Enact Performance Analysis

Enact annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,095,046,000-2.0%
20232023-12-31USD 1,153,686,0005.4%
20242024-12-31USD 1,201,774,0004.2%
20252025-12-31USD 1,235,827,0002.8%
Enact sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-0.7%
Q32025-09-302.2%
Q42025-12-310.0%
Q12026-03-310.2%
Enact annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.3128.5%
20232023-12-31USD 4.11-4.6%
20242024-12-31USD 4.376.2%
20252025-12-31USD 4.523.4%
Enact sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-302.8%
Q32025-09-30-0.9%
Q42025-12-3110.9%
Q12026-03-31-3.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$312.07M

+1.7%

Gross Profit

$274.91M

+22.8%

Gross Margin

88.09%

N/A

Market Cap

$6.35BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$15.16M

N/A

Employees

419

N/A

Net Income

$167.77M

+1.2%

EBITDA

$225.75M

+0.9%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$549.04M

-13.6%

Total Debt

$744.85M

+0.2%

Accounts Receivable

$47.40M

+2.0%

Inventory

$0.00

N/A

Long Term Debt

$744.85M

+0.2%

Short Term Debt

$0.00

N/A

Return on Assets

9.71%

N/A

Return on Invested Capital

12.52%

N/A

Free Cash Flow

$224.04M

-1.2%

Operating Cash Flow

$224.04M

-1.2%

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Questions About ACT

What is the current price of Enact?

Enact is trading at $45.49 per share.

What is the 52-week range for Enact?

Over the past 52 weeks, Enact has traded between $33.94 and $47.28.

How much debt does Enact have?

As of the most recent reporting period, Enact reported total debt of $744.85M.

How much cash does Enact have on hand?

Enact reported $549.04M in cash and cash equivalents in its most recent financial results.

What is Enact’s dividend yield?

Enact currently has a dividend yield of 1.91%.

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