ACT · Enact Holdings, Inc.
Price & Indicators
Up next
AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 | — |
|
|
|||
| Adjusted Operating Income non-GAAP | $177M | 2Q26 | — |
|
|
|||
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
|
|||
| Adjusted Operating Return on Equity non-GAAP | 13.2% | 2Q26 | — |
|
|
|||
| Average book yield | 4.6% | Q2 2026 | — |
| Average Direct Primary Paid Claim | $66.5K | Q2 2026 | — |
| Average duration | 4.9 | Q2 2026 | — |
| Average Reserve Per Primary Delinquency | $22.2K | Q2 2026 | — |
| Avg loan size | 390K | 2Q26 | — |
| Avg loan size (thousands) | $291K | Q2 2026 | — |
| Book Value Per Share | $39.06 | 2Q26 | — |
|
|
|||
| Book Value Per Share excluding AOCI | $39.66 | 2Q26 | — |
|
|
|||
| Ending Number of Primary Delinquencies | 24,330 | Q2 2026 | — |
| Expense Ratio | 21% | 2Q26 | — |
|
|
|||
| Loss Ratio | 14% | 2Q26 | — |
|
|
|||
| New delinquencies | 12,299 | Q2 2026 | — |
| NIW | $15B | 2Q26 | — |
|
|
|||
| Primary delinquency rate | 2.59% | Q2 2026 | — |
| Primary IIF | $274B | 2Q26 | — |
|
|
|||
| Primary Persistency Rate | 80% | 2Q26 | — |
|
|
|||
| Primary Policies in Force (count) | 940,648 | Q2 2026 | — |
| Total Direct IIF | $274.26B | Q2 2026 | — |
| PMIERs Sufficiency | $1.92B | 1Q26 | — |
|
|
|||
| Return on Equity | 12.5% | 1Q26 | — |
|
|
|||
| Capital returned to shareholders | $503M | 2025 | — |
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.
|
$6.87B | +26.0% | +2.8% | 10.5 | 2.1% |
|
FNF
Fidelity National Financial, Inc.
|
$13.27B | -9.4% | +5.6% | — | 3.4% |
|
RYAN
Ryan Specialty Holdings, Inc.
|
$10.70B | -19.0% | +21.3% | — | 5.2% |
|
FAF
First American Financial Corp
|
$7.54B | +20.2% | +21.6% | 10.2 | 5.8% |
|
AXS
Axis Capital Holdings Ltd
|
$7.46B | -5.5% | +10.2% | 7.6 | 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 sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ACT | +2.0% | +7.4% | +21.4% | +5.5% | +26.0% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +1.6% | +2.9% | +7.6% | +1.6% | +12.1% |
Capital returns
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.