Enact Holdings, Inc. (ACT)
NASDAQFinancialsInsurance - SpecialtySnapshot 2026-09-04
$49.27-0.48%
Close 2026-09-04 · 1-day change
NASDAQFinancialsInsurance - SpecialtySnapshot 2026-09-04
QuarterlyIQ Insights · ACT
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks ACT against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 100% of the last 1 guided quarters · 6.8% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Maintain disciplined execution, resilient credit performance, and invest in strategic priorities to create sustainable long-term value.
Stated as a priority in 3 of last 3 quarters. Net income was $177M in 2025-Q4, $168M in 2026-Q1, and $175M in 2026-Q2; adjusted operating income ranged from $179M to $172M to $177M in the same periods. Management consistently emphasizes disciplined execution and strategic investment, and financial results show stable profitability, indicating delivery on this priority.
“We continued to successfully navigate and prudently grow in a volatile environment while also investing in our strategic priorities and returning substantial capital to our shareholders.”
“Our continued focus on long-term value creation, reflecting disciplined execution, resilient credit performance.”
“A continued focus on long-term value creation driven by disciplined execution and resilient credit performance.”
Grow new insurance written (NIW) prudently while managing risk and maintaining portfolio quality.
Stated as a priority in 3 of last 3 quarters. New insurance written increased from $13B in 2026-Q1 to $15B in 2026-Q2, a 15% year-over-year increase; it was $14B in 2025-Q4, up 8% from prior year. Management's focus on prudent growth is reflected in these steady increases, indicating delivery on this priority.
Increase capital returned to shareholders through dividends and share repurchases while maintaining financial flexibility.
Stated as a priority in 3 of last 3 quarters. Capital returned to shareholders was approximately $500M in 2025, with guidance for $550M to $600M in 2026. Dividends paid increased from $30M in 2026-Q1 to $34M in 2026-Q2. Management has consistently emphasized capital return, and financial data shows increased payouts, indicating delivery on this priority.
Grow operating income through disciplined execution and expense management.
Stated as a priority in 3 of last 3 quarters. Adjusted operating income was $179M in 2025-Q4, declined to $172M in 2026-Q1, then rose to $177M in 2026-Q2. Management emphasizes operating discipline and execution; financials show stable operating income with slight fluctuations, indicating delivery with some variability.
Increase net income through growth and operational efficiency.
Stated as a priority in 3 of last 3 quarters. Net income was $177M in 2025-Q4, decreased to $168M in 2026-Q1, then increased to $175M in 2026-Q2. Management highlights consistent execution and credit performance; net income shows stable levels with minor fluctuations, indicating delivery on this priority.
“Net income was $175 million, up from $168 million in 2026-Q1.”
Over the trailing year it converted 1.27x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
6 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
“New insurance written (NIW) was $15 billion, up 19% from the first quarter of 2026, and up 15% from the second quarter of 2025.”
“NIW was $13 billion, down 11% from the fourth quarter of 2025, and up 30% from the first quarter of 2025.”
“NIW was $14 billion, up 2% from the third quarter of 2025, and up 8% from the fourth quarter of 2024.”
“We now anticipate a total 2026 capital return to be in the range of $550 million to $600 million.”
“EMICO completed a dividend of $150 million in the first quarter to support capital return and financial flexibility.”
“Returned over $500 million to shareholders in 2025 including dividends and share repurchases.”
“Adjusted Operating Income was $177 million, up from $172 million in 2026-Q1.”
“Adjusted Operating Income was $172 million, down from $179 million in 2025-Q4.”
“Adjusted Operating Income was $179 million, up from $166 million in 2025-Q3.”
“Net income was $168 million, down from $177 million in 2025-Q4.”
“Net income was $177 million, up from $163 million in 2025-Q3.”