ACT · Enact Holdings, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $312.07M | - | $311.45M | $304.89M | $306.78M | - | $309.59M | $298.83M | $291.58M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $213.38M | - | $209.83M | $214.50M | $211.42M | - | $229.46M | $234.83M | $205.92M | - |
| Interest Expense | $12.37M | - | $12.90M | $12.30M | $12.29M | - | $12.29M | $13.64M | $12.96M | - |
| Income Tax | $45.61M | - | $46.33M | $46.69M | $45.64M | - | $48.79M | $51.16M | $44.93M | - |
| Net Income | $167.77M | - | $163.50M | $167.81M | $165.78M | - | $180.67M | $183.67M | $160.99M | - |
| EPS - Basic | $1.18 | - | $1.11 | $1.12 | $1.09 | - | $1.16 | $1.17 | $1.01 | - |
| EPS - Diluted | $1.18 | - | $1.10 | $1.11 | $1.08 | - | $1.15 | $1.16 | $1.01 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $549.04M | $582.49M | $543.58M | $612.97M | $635.27M | $599.43M | $673.36M | $699.03M | $614.33M | $615.68M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $6.96B | $6.89B | $6.88B | $6.77B | $6.72B | $6.52B | $6.60B | $6.35B | $6.30B | $6.19B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $744.85M | $744.48M | $744.11M | $743.75M | $743.40M | $743.05M | $742.71M | $742.37M | $746.09M | $745.42M |
| Total Liabilities | $1.62B | $1.54B | $1.56B | $1.55B | $1.60B | $1.53B | $1.56B | $1.52B | $1.59B | $1.56B |
| Stockholders' Equity | $5.34B | $5.36B | $5.32B | $5.22B | $5.12B | $5.00B | $5.04B | $4.83B | $4.71B | $4.63B |
| Retained Earnings | $3.82B | $3.68B | $3.53B | $3.40B | $3.26B | $3.13B | $2.99B | $2.84B | $2.69B | $2.55B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $224.04M | - | - | - | $226.72M | - | - | - | $187.30M | - |
| Investing Cash Flow | ($125.48M) | - | - | - | ($89.58M) | - | - | - | ($113.47M) | - |
| Financing Cash Flow | ($132.01M) | - | - | - | ($101.31M) | - | - | - | ($75.18M) | - |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 68.4% | - | 67.4% | 70.4% | 68.9% | - | 74.1% | 78.6% | 70.6% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 53.8% | - | 52.5% | 55.0% | 54.0% | - | 58.4% | 61.5% | 55.2% | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 21.4% | - | 22.1% | 21.8% | 21.6% | - | 21.3% | 21.8% | 21.8% | - |
| Return on assets | 2.4% | - | 2.4% | 2.5% | 2.5% | - | 2.7% | 2.9% | 2.6% | - |
| Return on equity | 3.1% | - | 3.1% | 3.2% | 3.2% | - | 3.6% | 3.8% | 3.4% | - |
| Return on invested capital | 2.8% | - | 2.7% | 2.8% | 2.8% | - | 3.1% | 3.3% | 2.9% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.14 | 0.14 | 0.14 | 0.14 | 0.15 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 |
| Debt / Assets | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.12 | 0.12 | 0.12 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 17.3x | - | 16.3x | 17.4x | 17.2x | - | 18.7x | 17.2x | 15.9x | - |
| Equity multiplier | 1.30 | 1.29 | 1.29 | 1.30 | 1.31 | 1.31 | 1.31 | 1.32 | 1.34 | 1.34 |
| Liabilities / Assets | 0.23 | 0.22 | 0.23 | 0.23 | 0.24 | 0.23 | 0.24 | 0.24 | 0.25 | 0.25 |
| Efficiency | ||||||||||
| Asset turnover | 0.04 | - | 0.05 | 0.05 | 0.05 | - | 0.05 | 0.05 | 0.05 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 34.6x | - | 34.9x | 33.5x | 32.2x | - | 31.6x | 26.4x | 30.9x | - |
| P / B | 1.1x | - | 1.1x | 1.1x | 1.0x | - | 1.1x | 1.0x | 1.1x | - |
| P / S | 18.7x | - | 18.3x | 18.4x | 17.3x | - | 18.4x | 16.3x | 17.1x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 1.7% | - | 0.6% | 2.0% | 5.2% | - | 3.5% | 7.7% | 3.8% | - |
| Revenue CAGR (3y) | 3.6% | - | 4.2% | 3.4% | 4.4% | - | 2.9% | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 0.9% | - | -8.6% | -8.7% | 2.7% | - | 7.7% | 9.7% | -8.3% | - |
| Net income growth (YoY) | 1.2% | - | -9.5% | -8.6% | 3.0% | - | 10.0% | -10.3% | -8.5% | - |
| EPS growth (YoY) | 9.3% | - | -4.3% | -4.3% | 6.9% | - | 12.7% | 11.5% | -6.5% | - |
| EPS CAGR (3y) | 3.0% | - | -2.0% | 11.5% | 11.9% | - | 10.6% | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 4.4% | 7.2% | 5.6% | 8.2% | 8.6% | 7.9% | 13.0% | 10.3% | 9.7% | 13.0% |
Peer comparison
Same SIC group: Insurance Agents, Brokers & Service
Comparing Enact Holdings against the 5 most active filers in the same SIC group.
Dividends
$0.87/share trailing 12 months · +13.7% YoY
| Ex-date | Per share |
|---|---|
| May 28, 2026 | $0.2400 |
| Feb 26, 2026 | $0.2100 |
| Nov 21, 2025 | $0.2100 |
| Aug 18, 2025 | $0.2100 |
| May 19, 2025 | $0.2100 |
| Feb 21, 2025 | $0.1850 |
| Nov 18, 2024 | $0.1850 |
| Aug 28, 2024 | $0.1850 |
| May 29, 2024 | $0.1850 |
| Feb 27, 2024 | $0.1600 |
| Nov 15, 2023 | $0.8700 |
| Aug 30, 2023 | $0.1600 |
| May 30, 2023 | $0.1600 |
| Feb 22, 2023 | $0.1400 |
| Nov 17, 2022 | $1.2600 |
| Aug 25, 2022 | $0.1400 |
| May 6, 2022 | $0.1400 |
| Nov 24, 2021 | $1.2300 |