Enact Holdings, Inc.
Enact Holdings, Inc. (NASDAQ: ACT) is a leading private mortgage insurance company serving the United States housing finance market since 1981. The company operates through its primary insurance subsidiary, Enact Mortgage Insurance Corporation (EMICO), which is approved by government-sponsored enterprises Fannie Mae… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Enact Holdings, Inc. does
In the company’s own words
Enact Holdings, Inc. (NASDAQ: ACT) is a leading private mortgage insurance company serving the United States housing finance market since 1981. The company operates through its primary insurance subsidiary, Enact Mortgage Insurance Corporation (EMICO), which is approved by government-sponsored enterprises Fannie Mae and Freddie Mac. Enact's website is www.enactmi.com.
The company's core business involves writing and assuming residential mortgage guaranty insurance that protects lenders and investors against losses from nonpayment of loans secured by mortgages on residential real estate. Enact primarily insures low down payment loans where the loan amount exceeds eighty percent of the home's value, facilitating secondary market sales and enabling mortgage lenders to increase lending capacity and expand financing access to prospective homeowners, including first-time home buyers. The company operates in all fifty states and the District of Columbia.
Enact's insurance portfolio consists primarily of primary mortgage insurance, which provides protection on individual loans at specified coverage percentages, with approximately twenty-five percent risk coverage across all policies. The company also offers pool mortgage insurance and contract underwriting services. As of December 31, 2025, the company maintained an insurance in-force portfolio with a weighted average loan-to-value ratio of ninety-three percent and weighted average FICO score of 746.
The company serves approximately 1,600 mortgage lender customers, including national banks, non-bank mortgage lenders, local mortgage bankers, community banks, and credit unions. In 2025, Enact generated new insurance written of $51.5 billion and net income of $674 million. The company maintains a well-capitalized balance sheet and utilizes a credit risk transfer program to mitigate loss volatility and manage capital efficiently.
Enact employs 419 full-time employees, with fifty-one percent based in Raleigh, North Carolina and forty-nine percent working in field positions, predominantly in sales and underwriting. The company was a wholly owned subsidiary of Genworth Financial, Inc. until completing a minority initial public offering in September 2021, when eighteen point four percent of common stock was offered publicly.
Company details
- Sector
- Financials
- Industry
- Insurance
- Headquarters
- RALEIGH, NC
- Fiscal year end
- December
- CIK
- 1823529
- SIC
- 6411
Financial performance, year by year
Fiscal 2021–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Enact Holdings, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Enact Holdings, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Enact Holdings, Inc.’s bonds, as funds hold them
Funds report holding 1 issues of Enact Holdings, Inc.’s debt, $197.38M at market value — what funds hold, not the company’s total debt. Weighted-average coupon 6.25%, maturing 2029 to 2029.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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