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Enact Holdings, Inc. reported third-quarter adjusted operating income of $164 million, or $1.19 per diluted share, and new insurance written of $14 billion. The company raised 2026 capital return guidance to approximately $600 million, citing strong business performance.
Enact reported nine-month net income of $501,519 thousand, up from $497,083 thousand, as new insurance written reached $42,091 million. Third-quarter new insurance written was $14,106 million, while the delinquency rate rose to 2.79% from 2.45%.
Enact reported third-quarter net income of $159 million, or $1.15 per diluted share, declared a $0.24 quarterly dividend, and increased 2026 capital return guidance to approximately $600 million.
Enact Holdings, Inc. announced Thomas J. McInerney intends to resign from its Board effective December 31, 2026. His decision was not due to any dispute or disagreement with the company or its operations, policies or practices.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. Enact reported 2Q26 adjusted operating income of $177M ($1.26/share) on $15B of NIW (+15% YoY) with strong credit, and raised 2026 total capital return guidance to $550-600M from $500M.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Still-open targets the latest release did not restate under the same label.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Current period primary delinquencies | 12,299 | the second quarter of 2026 filing | — |
| Delinquent loans (count) | 24,330 | the three months ended June 30, 2026 filing | — |
| Net earned premium rate | 0.34% | the three months ended June 30, 2026 filing | — |
| Primary policies in-force (count) | 940,648 | the three months ended June 30, 2026 filing | — |
| Primary risk in-force | 71.62B | the three months ended June 30, 2026 filing | — |
| Reserve release | $37M | the second quarter of 2026 filing | — |
| Adjusted Operating Income non-GAAP | 177.37M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP NET INCOME 174.84M
+2.23M Net investment (gains) losses
+971K Costs associated with reorganization
-673K Taxes on adjustments
= Adjusted Operating Income 177.37M
|
|||
| Adjusted Operating Return on Equity non-GAAP | 13.2% | 2Q26 | — |
| Expense Ratio | 21% | 2Q26 | — |
| Loss Ratio | 14% | 2Q26 | — |
| NIW ($B) | 15B | 2Q26 | — |
| Primary IIF ($B) | 274B | 2Q26 | — |
| Primary Persistency Rate | 80% | 2Q26 | — |
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
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ACT
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Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Enact reported nine-month net income of $501,519 thousand, up from $497,083 thousand, as new insurance written reached $42,091 million. Third-quarter new insurance written was $14,106 million, while the delinquency rate rose to 2.79% from 2.45%.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ACT | -2.2% | -1.9% | +5.8% | -3.8% | +14.5% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | -4.8% | -0.8% | +5.3% | -3.6% | +3.9% |
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.
