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Enact Holdings, Inc.

ACT Clue Score56
United States Fiscal year ends December CIK 0001823529
$45.97 -1.44% Close, 9 Oct 2026
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Price $45.97 +124.79% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 16 Sep 2021. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2019Revenue978.9Net income677.6EPS, diluted4.16Fiscal year 2020Revenue1,106.5 +13.0%Net income370.4 −45.3%EPS, diluted2.27 −45.4%Fiscal year 2021Revenue1,117.9 +1.0%Net income546.7 +47.6%EPS, diluted3.36 +48.0%Fiscal year 2022Revenue1,095.0 −2.0%EPS, diluted4.31 +28.3%Fiscal year 2023Revenue1,153.7 +5.4%Net income665.5EPS, diluted4.11 −4.6%Fiscal year 2024Revenue1,201.8 +4.2%Net income688.1 +3.4%EPS, diluted4.37 +6.3%Fiscal year 2025Revenue1,235.8 +2.8%Net income674.2 −2.0%EPS, diluted4.52 +3.4%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 978.9 1,106.5 1,117.9 1,095.0 1,153.7 1,201.8 1,235.8
Growth +13.0% +1.0% −2.0% +5.4% +4.2% +2.8%
Net income 677.6 370.4 546.7 n/a 665.5 688.1 674.2
Growth −45.3% +47.6% +3.4% −2.0%
EPS, diluted 4.16 2.27 3.36 4.31 4.11 4.37 4.52
Growth −45.4% +48.0% +28.3% −4.6% +6.3% +3.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2019Net margin69.2%Fiscal year 2020Net margin33.5%Fiscal year 2021Net margin48.9%Fiscal year 2022Fiscal year 2023Net margin57.7%Fiscal year 2024Net margin57.3%Fiscal year 2025Net margin54.6%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 69.2% 33.5% 48.9% n/a 57.7% 57.3% 54.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2019Operating cash flow500.0Dividends paid−250.0Fiscal year 2020Operating cash flow704.4Buybacks0.0Dividends paid−437.4Fiscal year 2021Operating cash flow572.1Buybacks0.0Dividends paid−200.3Fiscal year 2022Operating cash flow560.5Buybacks−1.5Dividends paid−250.8Fiscal year 2023Operating cash flow632.0Buybacks−87.8Dividends paid−213.0Fiscal year 2024Operating cash flow686.3Buybacks−244.0Dividends paid−111.7Fiscal year 2025Operating cash flow724.5Buybacks−382.4Dividends paid−120.8
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 500.0 704.4 572.1 560.5 632.0 686.3 724.5
Buybacks n/a 0.0 0.0 −1.5 −87.8 −244.0 −382.4
Dividends paid −250.0 −437.4 −200.3 −250.8 −213.0 −111.7 −120.8

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2019Cash585.1Shareholders’ equity3,827.1Fiscal year 2020Cash452.8Total debt738.2Net cash (debt)−285.4Shareholders’ equity3,881.8Debt to equity0.19Fiscal year 2021Cash425.8Total debt740.4Net cash (debt)−314.6Shareholders’ equity4,105.5Debt to equity0.18Fiscal year 2022Cash513.8Total debt742.8Net cash (debt)−229.1Shareholders’ equity4,100.9Debt to equity0.18Fiscal year 2023Cash615.7Total debt745.4Net cash (debt)−129.7Shareholders’ equity4,632.3Debt to equity0.16Fiscal year 2024Cash599.4Total debt743.1Net cash (debt)−143.6Shareholders’ equity4,996.1Debt to equity0.15Fiscal year 2025Cash582.5Total debt744.5Net cash (debt)−162.0Shareholders’ equity5,355.2Debt to equity0.14
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 585.1 452.8 425.8 513.8 615.7 599.4 582.5
Total debt n/a 738.2 740.4 742.8 745.4 743.1 744.5
Net cash (debt) n/a −285.4 −314.6 −229.1 −129.7 −143.6 −162.0
Shareholders’ equity 3,827.1 3,881.8 4,105.5 4,100.9 4,632.3 4,996.1 5,355.2
Debt to equity n/a 0.19 0.18 0.18 0.16 0.15 0.14

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
978.9 1,106.5 1,117.9 1,095.0 1,153.7 1,201.8 1,235.8
Growth +13.0% +1.0% −2.0% +5.4% +4.2% +2.8%
n/a 215.0 231.5 226.9 212.5 213.3 208.3
718.2 472.4 695.2 898.2 851.5 878.1 858.8
155.8 102.0 148.5 194.1 186.0 190.0 184.6
677.6 370.4 546.7 n/a 665.5 688.1 674.2
Growth −45.3% +47.6% +3.4% −2.0%
Per share
4.16 2.27 3.36 4.32 4.14 4.40 4.54
4.16 2.27 3.36 4.31 4.11 4.37 4.52
Growth −45.4% +48.0% +28.3% −4.6% +6.3% +3.4%
162.8 162.8 162.8 162.8 160.9 156.3 148.4
162.8 162.8 162.9 163.3 161.8 157.6 149.3
Growth +0.0% +0.0% +0.3% −0.9% −2.7% −5.2%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 2.2% a year over five years, and earnings per share grew 14.8% a year.
  • The diluted share count fell 8.3% in five years, so buybacks did some of the work per share.
  • Profitable in every one of the 6 years on file.