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Enact Holdings (ACT) guidance and outlook
Enact Holdings' 10-Q filed Nov 5, 2026 makes 14 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 5, 2026
- Ultimately, we expect our new insurance written with its strong credit profile and attractive pricing to positively contribute to our future profitability and return on equity.
- In the fourth quarter of 2025, we reduced the expected claim rates as a result of sustained favorable cure performance and our market expectations.
- Future dividend payments are subject to quarterly review and approval by our Board of Directors and Genworth and will be targeted to be paid in the third month of each quarter.
- We expect the timing and amount of any future share repurchases will be opportunistic and will depend on a variety of factors, including EHI’s share price, capital availability, business and market conditions, regulatory requirements, and debt covenant restrictions.
- Future return of capital will be shaped by our capital prioritization framework, which sets the following priorities: supporting our existing policyholders,
- During the first nine months of 2025, we released reserves of $140 million primarily due to better than expected cure performance on delinquencies from 2024 and prior years.
- Although uncertainty remains with respect to the ultimate losses we will experience on these policy years, they have become a smaller percentage of our total mortgage insurance portfolio.
- • Our business outlook, including current and expected future investment conditions;
- We primarily mitigate interest rate risk by employing a buy and hold investment philosophy that seeks to match fixed income maturities with expected liability cash flows in modestly adverse economic scenarios.
- Another consideration in the development of the dividend strategies for our regulated insurance operating subsidiaries is our expected level of compliance with PMIERs.
- In either case, we do not have prescribed target or maximum thresholds, but we do evaluate the reasonableness of a potential dividend relative to the actual or estimated income generated in the proceeding or preceding calendar year after giving consideration to prevailing business conditions including, but not limited to the prevailing and future macroeconomic conditions.
- We intend to continue to use future EMICO dividends and distributions for these purposes.
Enact Holdings' latest quarter
Enact Holdings, Q3 2026: revenue $313M (+0.4% year over year), operating margin 64.9%, net earnings $159M, operating cash flow $184M. The chart follows the revenue to costs, profit and cash.
Questions
What does Enact Holdings expect?
Ultimately, we expect our new insurance written with its strong credit profile and attractive pricing to positively contribute to our future profitability and return on equity. In the fourth quarter of 2025, we reduced the expected claim rates as a result of sustained favorable cure performance and our market expectations. Future dividend payments are subject to quarterly review and approval by our Board of Directors and Genworth and will be targeted to be paid in the third month of each quarter.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.