Saturday 17 October 2026 Export ACT’s income statement to Excel — free account

Enact Holdings, Inc.

Enact Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, up 2.83% from fiscal 2024. In the quarter to June 2026, revenue grew 4.07%, EPS grew 11.6%, free cash flow was flat and total debt was flat, each against the same quarter a year earlier. Revenue growth for three consecutive years, operating cash flow growth for three.

46.28 0.61 +1.34%

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Market cap: $6.3B
P/E: 9.7×
Fwd P/E: 8.8×
Dividend yield: 1.94%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 317.46

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	2	1	1	2	3	1	1	2	1	2	1	—

Insider Ownership 79.40%

Capital & Financial Ratios $m

Market Cap 6,280.00

Revenue 1,253.54

Net Income 683.27

Free Cash Flow 720.83

Net Debt 296.79

Current Ratio 0.76

Debt/Equity 0.14

P/E ratio 9.70

Fwd P/E 8.82

P/S ratio 5.15

P/B ratio 1.20

Past 5Y EPS Growth 14.72%

This Y EPS Growth 6.38%

Next Y EPS Growth 4.78%

Next Y revenue growth (93.84%)

Next 5Y EPS Growth 4.46%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 95.69%

10-year low 10-year high

P/S against its own 10 years 95.22%

10-year low 10-year high

P/B against its own 10 years 95.30%

10-year low 10-year high

Dividends

Payout Ratio 0.19

Annual Dividend Rate 0.90

Annual Dividend Yield 1.94%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.06	0.21 0.24 0.24
2025	0.05	0.19 0.21 0.21 0.21
2024	0.95	0.16 0.23 0.19 0.19 0.19
2023	0.46	0.14 0.16 0.16 0.71
2022	0.42	0.14 0.14 0.14
2020	Powerpack
2019	0.62	0.62
2018	0.37	0.37
2017	0.05	0.05

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	616	599	582	448
Receivables	45	53	46	67
Inventory	—	—	—	—
Other	—	—	—	—
	661	652	629	515

	2023	2024	2025	Q'26
Payables	668	639	664	680
ST’ Debt	—	—	—	—
Other	—	—	—	—
	668	639	664	680

Compound Annual Growth %

	10y	5y	3y
Sales	—	2.24%	4.11%
Cash Flow	—	0.57%	8.93%
Earnings	—	12.73%	(1.44%)
Book Value	—	6.65%	9.30%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	312	317	—	—	—
’25	307	305	311	313	1,236
’24	292	299	310	302	1,202
’23	281	278	299	296	1,154
’22	270	274	275	277	1,095
’21	289	276	280	273	1,118
’20	—	—	284	286	1,106

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	224	119	—	—	—
’25	227	120	192	186	725
’24	187	145	188	166	686
’23	119	168	155	190	632
’22	161	141	100	158	561
’21	127	136	148	161	572
’20	—	345	215	144	704

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	224	119	—	—	—
’25	227	120	192	186	725
’24	187	145	188	166	686
’23	119	168	155	190	632
’22	161	141	100	158	561
’21	127	136	148	161	572
’20	—	345	215	144	704

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.18	1.25	—	—	—
’25	1.08	1.11	1.10	1.22	4.52
’24	1.01	1.16	1.15	1.05	4.37
’23	1.08	1.04	1.02	0.98	4.11
’22	1.01	1.25	1.17	0.88	4.31
’21	0.77	0.80	0.84	0.94	3.35
’20	—	—	0.85	0.56	2.27

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	18.76	19.21	20.84	26.13	30.79	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	24.00	28.37	29.74	37.42	40.89
People
People	Employees	—	—	—	—	500	503	496	465	421	419
	Revenue/emp, $m	—	—	0.00	0.00	2.21	2.22	2.21	2.48	2.85	2.95
Income, $m
Income, $m	Revenue	—	—	841	979	1,106	1,118	1,095	1,154	1,202	1,236
	Gross margin, %	—	—	0.00	74.91	46.24	68.07	87.88	79.23	79.03	74.28
	EBT	—	—	614	718	472	695	898	852	878	859
	EBT margin, %	—	—	73.01	73.37	42.70	62.19	82.03	73.81	73.06	69.49
	Net income	—	—	484	678	370	547	704	666	688	674
	Depreciation	—	—	—	12	16	8	12	7	0	(3)
Per share, $
Per share, $	Revenue	—	—	5.16	6.01	6.79	6.86	6.72	7.17	7.69	8.33
	Earnings	—	—	2.79	4.16	2.27	3.35	4.32	4.14	4.40	4.54
	Cash flow	—	—	3.14	3.07	4.33	3.51	3.44	3.93	4.39	4.88
	Capex	—	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Free cash flow	—	—	3.14	3.07	4.33	3.51	3.44	3.93	4.39	4.88
	Book value	—	—	20.09	23.50	23.84	25.21	25.18	28.80	31.97	36.09
	Shares, m	—	—	163	163	163	163	163	161	156	148
Valuation, ×
Valuation, ×	P/E	—	—	6.88	6.88	6.88	6.17	5.60	6.92	7.36	8.71
	P/S	—	—	2.94	2.94	2.94	3.01	3.60	4.00	4.21	4.76
	P/B	—	—	0.82	0.82	0.82	0.82	0.96	1.00	1.01	1.10
	EV/Sales	—	—	3.21	3.21	3.21	3.29	3.81	4.11	4.33	4.89
	EV/FCF	—	—	5.85	5.85	5.85	6.43	7.44	7.50	7.58	8.34
Cash, $m
Cash, $m	Operating cash flow	—	—	511	500	704	572	561	632	686	725
	Capex	—	—	—	—	—	—	—	—	—	—
	Free cash flow	—	—	511	500	704	572	561	632	686	725
Balance, $m
Balance, $m	Working capital	—	—	—	8	(363)	(420)	(166)	(7)	13	(35)
	Total debt	—	—	—	23	738	740	743	745	743	744
	Net debt	—	—	—	(562)	285	315	229	130	144	162
	Shareholders’ equity	—	—	3,274	3,827	3,882	4,106	4,101	4,632	4,996	5,355
Returns, %
Returns, %	ROA	—	—	11.19	15.76	7.29	9.49	12.17	11.19	10.83	10.05
	ROIC	—	—	0.00	13.75	7.09	9.83	12.97	11.18	10.81	9.73
	ROE	—	—	13.63	19.09	9.61	13.69	17.16	15.24	14.29	13.03

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FNF Fidelity National Financial, Inc.	$10.6B	14.1×	8.8×	+11.44% (above 0%: growing)	+9.80% (above 0%: growing)	−1.24% (below 0%: shrinking)	53.15%	9.85%	Compare
RYAN Ryan Specialty Holdings Inc.	$10.2B	52.9×	37.4×	+7.19% (above 0%: growing)	−19.51% (below 0%: shrinking)	−17.82% (below 0%: shrinking)	100.00%	19.67%	Compare
AXS Axis Capital Holdings Limited	$7.2B	7.0×	7.4×	+7.35% (above 0%: growing)	+24.00% (above 0%: growing)	+137.05% (above 0%: growing)	28.72%	19.18%	Compare
FAF First American Financial Corporation	$6.5B	9.0×	9.9×	+14.99% (above 0%: growing)	+51.06% (above 0%: growing)	+2.71% (above 0%: growing)	100.00%	16.60%	Compare
ACT Enact Holdings, Inc.	$6.3B	9.7×	8.8×	+4.07% (above 0%: growing)	+11.61% (above 0%: growing)	−0.84% (below 0%: shrinking)	73.93%	73.26%
ESNT Essent Group Ltd.	$5.7B	8.9×	8.0×	+13.64% (above 0%: growing)	+7.18% (above 0%: growing)	+3.88% (above 0%: growing)	65.75%	65.75%	Compare
MTG MGIC Investment Corporation	$5.7B	8.7×	8.3×	−2.91% (below 0%: shrinking)	+6.17% (above 0%: growing)	+0.83% (above 0%: growing)	81.29%	80.85%	Compare
RDN Radian Group Inc.	$4.5B	8.7×	7.8×	+92.58% (above 0%: growing)	−17.48% (below 0%: shrinking)	+147.96% (above 0%: growing)	50.35%	30.09%	Compare
AGO Assured Guaranty Ltd.	$3.1B	9.5×	11.8×	−30.60% (below 0%: shrinking)	−57.89% (below 0%: shrinking)	−48.72% (below 0%: shrinking)	97.95%	42.05%	Compare
Median of peers	$6.1B	9.0×	8.5×	+9.40%	+6.68%	+1.77%	73.52%	24.88%

All 17 Insurance Specialty stocks →

Enact Holdings, Inc. (ACT) key facts

Concern: Net income was $674.2 million, or $4.54 per share (basic), a net margin of 54.6%.
Strength: Enact Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, up 2.83% from fiscal 2024.
Enact Holdings, Inc. (ACT) is an Insurance Specialty company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, ACT traded at $46.28, a market capitalization of $6.3 billion.
At that price the stock trades at 9.7× trailing-twelve-month earnings and 5.2× sales; its P/E is higher than 96% of its own readings over the past ten years.
Enact Holdings, Inc. pays an annual dividend of $0.90 per share, a yield of 1.94%, with a payout ratio of 19.0%.
Return on equity was 13.0% and debt-to-equity 0.14.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.