ACT · Enact Holdings, Inc.
$49.19
+0.07 (+0.14%)
At close · Aug 21
Market Cap
$6.76B
Shares
137.48M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$49.19
Open$49.27
Day$49.11–49.72
52W close$34.93–50.04
Avg vol 30d367K
Short int2.9M · 2.1% float · 6.5d
Short vol81%
Last earningsAug 6, 2026
DataSep 2021–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Nov 6, 2026
Est · unconfirmed
· in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Fair
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+6%
above
RSI (14)
61
neutral
MACD trend
Negative
52-week position
94%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+16%
trailing
YTD return
+24%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $46 › 200d $42 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +34 funds added
Insider flow
Distributing
Net -$77.4M over 90 days · 100% sells
Short interest
Falling
2.13% of float · ▼ -19.7% MoM · 6.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
248 holders — near 3-yr high, broad support
Squeeze score
56
elevated · 0–100
Fundamentals
Revenue growth
+3%
Y/Y
EPS growth
+3%
Y/Y
Valuation
P/E 10.3
rich
Buyback
$345.0M
remaining
Balance sheet
$162.0M
net debt
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−11%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Aug 5, 2026
Total 2026 capital return
· total 2026
$550M – $600M
Prior guidance
period ended
· from the 8-K filed Nov 5, 2025
Total 2025 capital return
· total 2025
$500M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+6%
Bullish
RSI (14)
61
Neutral
MACD trend
Negative
Bearish
52-week position
94%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $46 › 200d $42 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +34 funds added
Insider flow
Distributing
Net -$77.4M over 90 days · 100% sells
Short interest
Falling
2.13% of float · ▼ -19.7% MoM · 6.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
248 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $35
Now $49 · 94%
Range high $50
vs 200-day avg +17%
vs 50-day avg +6%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adj. Diluted Operating Income per share non-GAAP | $1.26 | 2Q26 | — |
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| Adjusted Operating Income non-GAAP | $177M | 2Q26 | — |
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GAAP → non-GAAP reconciliationGAAP Net Income 174.84M
+2.23M Net investment (gains) losses
+971K Costs associated with reorganization
-673K Taxes on adjustments
= Adjusted Operating Income 177.37M
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| Adjusted Operating Return on Equity non-GAAP | 13.2% | 2Q26 | — |
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| Average book yield | 4.6% | Q2 2026 | — |
| Average Direct Primary Paid Claim | $66.5K | Q2 2026 | — |
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| Average duration | 4.9 | Q2 2026 | — |
| Average Reserve Per Primary Delinquency | $22.2K | Q2 2026 | — |
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| Avg loan size | 390K | 2Q26 | — |
| Avg loan size (thousands) | $291K | Q2 2026 | — |
| Book Value Per Share | $39.06 | 2Q26 | — |
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| Book Value Per Share excluding AOCI | $39.66 | 2Q26 | — |
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| Ending Number of Primary Delinquencies | 24,330 | Q2 2026 | — |
| Expense Ratio | 21% | 2Q26 | — |
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| Loss Ratio | 14% | 2Q26 | — |
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| New delinquencies | 12,299 | Q2 2026 | — |
| NIW | $15B | 2Q26 | — |
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| Primary delinquency rate | 2.59% | Q2 2026 | — |
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| Primary IIF | $274B | 2Q26 | — |
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| Primary Insurance in-force | $274B | 2Q26 | — |
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| Primary Persistency Rate | 80% | 2Q26 | — |
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| Primary Policies in Force (count) | 940,648 | Q2 2026 | — |
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| Total Direct IIF | $274.26B | Q2 2026 | — |
| Adj operating income per share Basic non-GAAP | $1.22 | 1Q26 | — |
| Adj operating income per share Diluted non-GAAP | $1.21 | 1Q26 | — |
| Adjusted RIF | $53.38B | 1Q 2026 | — |
| Combined risk-to-capital ratio | 10 | 1Q 2026 | — |
| EMICO risk-to-capital ratio | 10 | 1Q 2026 | — |
| PMIERs Available Assets | $5.02B | 1Q 2026 | — |
| PMIERs Sufficiency ($) | $1.92B | 1Q26 | — |
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| PMIERs Sufficiency Ratio | 162% | 1Q 2026 | — |
| Capital returned to shareholders | $503M | 2025 | — |
| Return on Equity | 13.3% | 4Q25 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Specialty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ACT
this stock
Enact Holdings, Inc.
|
$6.76B | +24.1% | +2.8% | 10.3 | 2.1% |
|
FNF
Fidelity National Financial, Inc.
|
$12.69B | -13.4% | +5.6% | — | 3.4% |
|
RYAN
Ryan Specialty Holdings, Inc.
|
$11.07B | -16.2% | +21.3% | — | 5.2% |
|
FAF
First American Financial Corp
|
$7.33B | +16.8% | +21.6% | 10.0 | 5.8% |
|
AXS
Axis Capital Holdings Ltd
|
$7.28B | -7.8% | +10.2% | 7.4 | 2.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ACT | -1.5% | +5.2% | +15.9% | +4.0% | +24.1% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -0.1% | +1.6% | +4.3% | +1.5% | +11.8% |
Capital returns
Latest dividend
$0.24
/ share · ex Aug 20, 2026
Paid (TTM)
$0.90
/ share · 4 payouts
Dividend yield (TTM, derived)
1.83%
Buyback program
· as of Jul 31, 2026
Authorized
$500.00M
Spent (derived)
$155.00M
Remaining
$345.00M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1823529
CUSIP
29249E109
13F (30d)
205 filings
204 filers
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