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Enact(NASDAQ) ACT

Market Cap$6.63BMarket 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)+200%
5 YearN/A
1 Year+31%
1 Month+2%
Premium Feature
Moneyball Superscore
74/100
$48.18
-1.81%
-0.89Today
After hours$48.21+$0.03 (+0.05%)
Enact last closing stock price
MetricPriceDate
Last closeUSD 48.202026-08-31
Enact stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.06%USD 49.722026-08-24
1 month+2.35%USD 47.092026-07-31
3 month+17.7%USD 40.952026-06-02
Year to date+23.49%USD 39.032025-12-31
1 year+30.74%USD 36.872025-08-29
3 year+83.7%USD 26.242023-09-01
Since inception+200.34%USD 16.342021-09-16

Enact Financials at a Glance

Market Cap

$6.63BMarket 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)

$1.25B

Net Income (TTM)

$683.27M

EPS (TTM)

$4.74

P/E Ratio

10.16

Dividend

$0.90

Beta (Volatility)

0.00 (Low)

Price

$48.18

Volume

245,974

Open

$49.07

Previous Close

$48.20

Daily Range

$48.15 - $49.14

52-Week Range

$34.64 - $50.56

Estimated Earnings Date

Nov 4, 2026

ACT News

No articles available.

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About Enact

Enact Holdings, Inc. helps people buy homes with low down payments. It protects lenders if borrowers cannot pay their mortgages. This insurance helps more families own their own homes.

Insurance for the American Dream

  • Primary Mortgage Insurance: Protection for lenders on individual residential loans against borrower default; serves as the core business segment.
  • Pool Mortgage Insurance: Coverage for groups of loans that protects against defaults within a specific portfolio.
  • Contract Underwriting Services: Assistance for lenders to evaluate loan applications and manage risk during the lending process.
  • Reinsurance Products: Insurance for other companies to share risks associated with their own mortgage portfolios.

Strategic Moves and Capital Plans

  • Announced a new share repurchase program on Feb. 3, 2026, to buy back up to $500 million of the company's common stock.
  • Increased the quarterly dividend from $0.21 to $0.24 per share in May 2026.
  • Began accepting VantageScore 4.0, a newer credit scoring model, for mortgages during the second quarter of 2026.
  • Executed a five-year credit facility for $435 million on Sept. 30, 2025, to increase financial flexibility.

Why Enact Stands Out

Enact uses proprietary models to help borrowers modify loans and avoid foreclosure, which is the legal process of taking back a home. The company also uses third-party reinsurance to lower the amount of capital it must hold. These practices help manage risks while supporting the mortgage market.

Measuring Performance

  • Net income was $174.8 million in the second quarter of 2026, up 4% year over year.
  • New insurance written, representing the value of new policies issued, was $15.2 billion in the second quarter of 2026, up 15% year over year.
  • Net investment income rose to $73.2 million in the second quarter of 2026, up 11% year over year.
  • The loss ratio, which measures insurance claims against premiums earned, was 14% for the three-month period ended June 30, 2026, compared to 10% in the prior year.

Bottom Line

Enact has transitioned into a focused public company that prioritizes returning capital to its shareholders through dividends and stock buybacks. Its disciplined pricing and risk management help maintain its position in the competitive mortgage insurance industry.

AI Generated • Aug 7, 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

85.87%

Operating Margin

69.17%

Net Income Margin

54.56%

Return on Equity

12.76%

Return on Capital

14.08%

Return on Assets

9.82%

Earnings Yield

9.84%

Dividend Yield

1.87%

Payout Ratio

18.22%

Stock Overview

Market Cap

$6.63BMarket 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

137.48M

Volume

245.97K

Avg. Volume

346.56K

Financials (TTM)

Gross Profit

$1.08B

Operating Income

$866.26M

EBITDA

$916.48M

Operating Cash Flow

$720.83M

Capital Expenditure

$0.00

Free Cash Flow

$720.83M

Cash & ST Invst.

$6.61B

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
Q32025-09-302.2%
Q42025-12-310.0%
Q12026-03-310.2%
Q22026-06-301.7%
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
Q32025-09-30-0.9%
Q42025-12-3110.9%
Q12026-03-31-3.3%
Q22026-06-305.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$317.31M

+4.2%

Gross Profit

$284.04M

+25.4%

Gross Margin

89.52%

N/A

Market Cap

$6.63BMarket 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

$15.82M

N/A

Employees

419

N/A

Net Income

$174.84M

+4.2%

EBITDA

$232.45M

+2.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$6.61B

+978.4%

Total Debt

$744.85M

+0.1%

Accounts Receivable

$66.66M

+51.2%

Inventory

$0.00

N/A

Long Term Debt

$744.85M

+0.1%

Short Term Debt

$0.00

N/A

Return on Assets

9.82%

N/A

Return on Invested Capital

12.60%

N/A

Free Cash Flow

$118.51M

-0.8%

Operating Cash Flow

$118.51M

-0.8%

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Questions About ACT

What is the current price of Enact?

Enact is trading at $48.20 per share.

What is the 52-week range for Enact?

Over the past 52 weeks, Enact has traded between $34.64 and $50.56.

How much debt does Enact have?

As of the most recent reporting period, Enact reported total debt of $745.23M.

How much cash does Enact have on hand?

Enact reported $448.45M in cash and cash equivalents in its most recent financial results.

What is Enact’s dividend yield?

Enact currently has a dividend yield of 1.87%.

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