{"id":933863,"date":"2026-02-03T18:00:46","date_gmt":"2026-02-03T23:00:46","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/enact-reports-fourth-quarter-and-full-year-2025-results\/"},"modified":"2026-02-03T18:00:46","modified_gmt":"2026-02-03T23:00:46","slug":"enact-reports-fourth-quarter-and-full-year-2025-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/enact-reports-fourth-quarter-and-full-year-2025-results\/","title":{"rendered":"Enact Reports Fourth Quarter and Full Year 2025 Results"},"content":{"rendered":"
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\n
\n GAAP Net Income of<\/em>
\n <\/strong>
\n
\n $177 million<\/em>
\n <\/strong>
\n
\n , or <\/em>
\n <\/strong>
\n
\n $1.22<\/em>
\n <\/strong>
\n
\n per diluted share<\/em>
\n <\/strong>
\n
\n
\n Adjusted Operating Income of <\/em>
\n <\/strong>
\n
\n $179 million<\/em>
\n <\/strong>
\n
\n , or <\/em>
\n <\/strong>
\n
\n $1.23<\/em>
\n <\/strong>
\n
\n per diluted share<\/em>
\n <\/strong>
\n
\n
\n Return on Equity of <\/em>
\n <\/strong>
\n
\n 13.3%<\/em>
\n <\/strong>
\n
\n and Adjusted Operating Return on Equity of <\/em>
\n <\/strong>
\n
\n 13.5%<\/em>
\n <\/strong>
\n
\n
\n Primary Insurance in-force of <\/em>
\n <\/strong>
\n
\n $273 billion<\/em>
\n <\/strong>
\n
\n , a <\/em>
\n <\/strong>
\n
\n 2%<\/em>
\n <\/strong>
\n
\n year-over-year increase<\/em>
\n <\/strong>
\n
\n
\n PMIERs Sufficiency of <\/em>
\n <\/strong>
\n
\n 162%<\/em>
\n <\/strong>
\n
\n or approximately <\/em>
\n <\/strong>
\n
\n $1.9 billion<\/em>
\n <\/strong>
\n
\n
\n Book Value Per Share of <\/em>
\n <\/strong>
\n
\n $37.66<\/em>
\n <\/strong>
\n
\n and Book Value Per Share excluding AOCI of <\/em>
\n <\/strong>
\n
\n $37.87<\/em>
\n <\/strong>
\n
\n
\n Returned over $500 million of capital to shareholders in 2025<\/em>
\n <\/strong>\n <\/p>\n

RALEIGH, N.C., Feb. 03, 2026 (GLOBE NEWSWIRE) — Enact Holdings, Inc. (Nasdaq: ACT) today announced its fourth quarter and full year 2025 results.<\/p>\n

\u201cEnact delivered a strong fourth quarter, capping another successful year driven by disciplined execution, resilient credit performance, and a continued focus on long-term value creation,\u201d said Rohit Gupta, President and CEO of Enact. \u201cAffordability pressures and interest rate volatility continue to shape housing activity. The role of private mortgage insurance remains critical, and we continue to approach this environment from a position of strength. Our strategy, solid capital position, and operating discipline have enabled us to support our customers, grow our business, and deliver sustainable value for our shareholders. Overall, we remain confident in our ability to execute and capitalize on the opportunities ahead.\u201d<\/p>\n

\n Key Financial Highlights<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n (In millions, except per share data or otherwise noted)<\/em>\n <\/td>\n\n 4Q25<\/strong>\n <\/td>\n\n 3Q25<\/strong>\n <\/td>\n\n 4Q24<\/strong>\n <\/td>\n\n 2025<\/strong>\n <\/td>\n\n 2024<\/strong>\n <\/td>\n<\/tr>\n
Net Income (loss)<\/td>\n$177<\/td>\n$163<\/td>\n$163<\/td>\n$674<\/td>\n$688<\/td>\n<\/tr>\n
\n Diluted Net Income (loss) per share<\/em>\n <\/td>\n$1.22<\/td>\n$1.10<\/td>\n$1.05<\/td>\n$4.52<\/td>\n$4.37<\/td>\n<\/tr>\n
Adjusted Operating Income (loss)<\/td>\n$179<\/td>\n$166<\/td>\n$169<\/td>\n$688<\/td>\n$718<\/td>\n<\/tr>\n
\n Adj. Diluted Operating Income (loss) per share<\/em>\n <\/td>\n$1.23<\/td>\n$1.12<\/td>\n$1.09<\/td>\n$4.61<\/td>\n$4.56<\/td>\n<\/tr>\n
NIW ($B)<\/td>\n$14<\/td>\n$14<\/td>\n$13<\/td>\n$52<\/td>\n$51<\/td>\n<\/tr>\n
Primary Persistency Rate<\/td>\n80%<\/td>\n83%<\/td>\n82%<\/td>\n82%<\/td>\n83%<\/td>\n<\/tr>\n
Primary IIF ($B)<\/td>\n$273<\/td>\n$272<\/td>\n$269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net Premiums Earned<\/td>\n$246<\/td>\n$245<\/td>\n$246<\/td>\n$981<\/td>\n$980<\/td>\n<\/tr>\n
Losses Incurred<\/td>\n$18<\/td>\n$36<\/td>\n$24<\/td>\n$110<\/td>\n$39<\/td>\n<\/tr>\n
\n Loss Ratio<\/em>\n <\/td>\n7%<\/td>\n15%<\/td>\n10%<\/td>\n11%<\/td>\n4%<\/td>\n<\/tr>\n
Operating Expenses<\/td>\n$59<\/td>\n$53<\/td>\n$58<\/td>\n$218<\/td>\n$223<\/td>\n<\/tr>\n
\n Expense Ratio<\/em>\n <\/td>\n24%<\/td>\n22%<\/td>\n24%<\/td>\n22%<\/td>\n23%<\/td>\n<\/tr>\n
Net Investment Income<\/td>\n$69<\/td>\n$69<\/td>\n$63<\/td>\n$266<\/td>\n$241<\/td>\n<\/tr>\n
Net Investment gains (losses)<\/td>\n$(3)<\/td>\n$(3)<\/td>\n$(7)<\/td>\n$(16)<\/td>\n$(23)<\/td>\n<\/tr>\n
Return on Equity<\/td>\n13.3%<\/td>\n12.4%<\/td>\n13.0%<\/td>\n13.0%<\/td>\n14.3%<\/td>\n<\/tr>\n
Adjusted Operating Return on Equity<\/td>\n13.5%<\/td>\n12.6%<\/td>\n13.5%<\/td>\n13.3%<\/td>\n14.9%<\/td>\n<\/tr>\n
PMIERs Sufficiency ($)<\/td>\n$1,919<\/td>\n$1,904<\/td>\n$2,052<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
PMIERs Sufficiency (%)<\/td>\n162%<\/td>\n162%<\/td>\n167%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n
Fourth Quarter 2025 Financial and Operating Highlights<\/u>
\n <\/strong>\n <\/p>\n