Enact Holdings Announces Strong 2025 Results, New Buyback Plan
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Enact Holdings ( (ACT) ) has shared an update.
On February 3, 2026, Enact Holdings reported fourth-quarter and full-year 2025 results showing continued profitability and capital strength, with Q4 GAAP net income of $177 million, or $1.22 per diluted share, and adjusted operating income of $179 million, or $1.23 per diluted share. For 2025, the company generated $674 million in net income, maintained a solid adjusted operating return on equity of 13.3%, and grew primary insurance in-force to $273 billion, up 2% year over year. Losses incurred fell to $18 million in the fourth quarter, driving a loss ratio of 7%, helped by a $60 million net reserve release tied to favorable cure performance and lower expected claim rates, while elevated persistency and stable net premiums earned supported earnings despite a challenging housing backdrop. Enact also underscored its robust capital position, with PMIERs sufficiency of 162% (about $1.9 billion) and book value per share of $37.66, and returned $503 million to shareholders in 2025 through dividends and $382 million of share repurchases. In a further demonstration of shareholder-return focus, the board on February 3, 2026 authorized a new share repurchase program of up to $500 million of common stock and the company entered into a stock buyback agreement with its majority owner Genworth Financial, moves that reinforce capital management discipline and signal confidence in the company’s long-term earnings power.
The most recent analyst rating on (ACT) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on Enact Holdings stock, see the ACT Stock Forecast page.
Spark’s Take on ACT Stock
According to Spark, TipRanks’ AI Analyst, ACT is a Outperform.
Enact Holdings receives a strong overall stock score driven by robust financial performance and attractive valuation. The company’s strategic initiatives and positive earnings call sentiment further enhance its outlook. Technical indicators support a positive trend, though caution is advised due to potential overbought conditions.
To see Spark’s full report on ACT stock, click here.
More about Enact Holdings
Enact Holdings, Inc., based in Raleigh, N.C., operates in the private mortgage insurance industry, providing credit enhancement products that help lenders manage mortgage default risk and facilitate access to homeownership, particularly in a housing market characterized by affordability pressures and interest rate volatility.
Average Trading Volume: 274,114
Technical Sentiment Signal: Buy
Current Market Cap: $5.74B
Learn more about ACT stock on TipRanks’ Stock Analysis page.
