Enact's earnings call highlighted strong capital returns and robust credit performance, but also noted economic uncertainties and a decline in persistency and new insurance written year-over-year. The recognition as a best place to work reflects a positive internal culture, while macroeconomic challenges pose potential risks.

Company Guidance -

Q3 2025

During Enact's second quarter earnings call for fiscal year 2025, the company provided guidance highlighting several key financial metrics. The company reported an adjusted operating income of $174 million and adjusted earnings per diluted share of $1.15, with an adjusted return on equity exceeding 13%. Enact's insurance in force increased by 1% year-over-year to $270 billion, and they generated over $13 billion in new insurance written. The company maintained a robust PMIERs sufficiency ratio of 165%, demonstrating significant financial flexibility. The risk-weighted average FICO score of the portfolio was 746, while the risk-weighted average loan-to-value ratio stood at 93%. Delinquencies decreased by 1% sequentially, and the cure rate was reported at 52%, contributing to a reserve release of $48 million and a loss ratio of 10%. Enact also announced an increase in expected capital returns for 2025 to approximately $400 million, underscoring their strong credit performance and commitment to shareholder value.

Increased Capital Returns

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

Robust Adjusted Operating Income

The company reported adjusted operating income of $174 million, with an adjusted return on equity over 13%.

Insurance in Force and New Insurance Written

Insurance in force increased 1% year-over-year to $270 billion, and new insurance written was over $13 billion.

Strong Credit Performance

The credit portfolio remains strong with a risk-weighted average FICO score of 746, and a favorable cure rate of 52%.

Recognition as a Best Place to Work

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

Daily Earnings Calendar >

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	$34.42	$34.76	+0.99%
Apr 30, 2025	$35.58	$36.36	+2.19%
Feb 04, 2025	$33.23	$33.72	+1.47%
Nov 06, 2024	$33.46	$32.91	-1.64%

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 Inc (ACT) report earnings?

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

What is Enact Holdings Inc (ACT) earnings time?

Enact Holdings Inc (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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