The earnings call highlights Enact's strong financial performance, effective risk management, and increased capital returns, but acknowledges challenges in the housing market and economic uncertainties. Despite some decreases in earnings per share and persistency, the overall sentiment remains optimistic due to robust credit performance and strategic achievements.

Company Guidance

In the second quarter of 2025, Enact reported adjusted operating income of $174 million, with an adjusted earnings per diluted share of $1.15. The company achieved an adjusted return on equity of over 13%. Insurance in force increased by 1% year-over-year to $270 billion, and new insurance written amounted to over $13 billion, reflecting a robust performance despite a complex macroeconomic environment. Persistency rate was at 82%, and the PMIERs sufficiency ratio was 165%, indicating a strong capital position. Delinquencies decreased by 1% sequentially, with a cure rate of 52%, contributing to a reserve release of $48 million and a loss ratio of 10%. Operating expenses were $53 million, with an expense ratio of 22%, and the company returned $116 million to shareholders through share repurchases and dividends. Enact plans to increase its expected capital returns for 2025 to approximately $400 million, demonstrating its commitment to creating long-term value for its shareholders.

Increased Capital Returns

Enact announced a meaningful increase in expected capital returns for 2025 to approximately $400 million.

Strong Credit Performance

Credit performance remains strong with a PMIERs sufficiency ratio of 165% and a risk-weighted average FICO score of 746.

Record New Insurance Written

New insurance written was $13 billion, up 35% sequentially, demonstrating robust growth.

Effective Expense Management

Operating expenses were flat year-over-year despite the ongoing inflationary environment.

Recognition as Best Workplace

Enact was recognized for the third year as one of the best places to work by Triangle Business Journal.

Enact Holdings (ACT) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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ACT Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	1.08 / -	1.16	―	―	―
Jul 30, 2025	2025 (Q2)	1.10 / 1.15	1.27	-9.45% (-0.12)
Apr 30, 2025	2025 (Q1)	1.08 / 1.10	1.04	5.77% (+0.06)
Feb 04, 2025	2024 (Q4)	1.03 / 1.09	0.98	11.22% (+0.11)
Nov 06, 2024	2024 (Q3)	1.00 / 1.16	1.02	13.73% (+0.14)
Jul 31, 2024	2024 (Q2)	1.00 / 1.27	1.04	22.12% (+0.23)
May 01, 2024	2024 (Q1)	0.96 / 1.04	1.08	-3.70% (-0.04)
Feb 06, 2024	2023 (Q4)	0.92 / 0.98	0.88	11.36% (+0.10)
Nov 01, 2023	2023 (Q3)	0.89 / 1.02	1.17	-12.82% (-0.15)
Aug 01, 2023	2023 (Q2)	0.83 / 1.04	1.25	-16.80% (-0.21)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ACT Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$34.23	$34.56	+0.96%
Apr 30, 2025	$35.38	$36.16	+2.20%
Feb 04, 2025	$33.04	$33.53	+1.48%
Nov 06, 2024	$33.28	$32.73	-1.65%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Enact Holdings (ACT) report earnings?

Enact Holdings (ACT) is schdueled to report earning on Nov 04, 2025, After Close (Confirmed).

What is Enact Holdings (ACT) earnings time?

Enact Holdings (ACT) earnings time is at Nov 04, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ACT EPS forecast?

ACT EPS forecast for the fiscal quarter 2025 (Q3) is 1.08.

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