Enact Reports Strong Fourth Quarter and Full Year 2025 Results

Delivered disciplined execution, resilient credit performance, and long-term value creation

Feb. 3, 2026 at 4:15pm

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Enact Holdings, Inc. (Nasdaq: ACT), a leading U.S. private mortgage insurance provider, today announced its fourth quarter and full year 2025 results. The company reported 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. Enact also saw a Return on Equity of 13.3% and Adjusted Operating Return on Equity of 13.5%, with Primary Insurance in-force of $273 billion, a 2% year-over-year increase.

Why it matters

Enact's strong financial performance in 2025 highlights the critical role of private mortgage insurance in the current housing market environment marked by affordability pressures and interest rate volatility. The company's disciplined execution, resilient credit performance, and focus on long-term value creation have enabled it to support customers, grow the business, and deliver sustainable value for shareholders.

The details

Enact reported 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 the fourth quarter of 2025. For the full year 2025, the company saw a Return on Equity of 13.3% and Adjusted Operating Return on Equity of 13.5%. Enact's Primary Insurance in-force grew 2% year-over-year to $273 billion, and the company returned over $500 million of capital to shareholders in 2025.

  • Enact reported its fourth quarter and full year 2025 results on February 3, 2026.

The players

Enact Holdings, Inc.

A leading U.S. private mortgage insurance provider committed to helping more people achieve the dream of homeownership.

Rohit Gupta

President and CEO of Enact.

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What they’re saying

“Enact delivered a strong fourth quarter, capping another successful year driven by disciplined execution, resilient credit performance, and a continued focus on long-term value creation.”

— Rohit Gupta, President and CEO of Enact (Enact press release)

What’s next

Enact will discuss its fourth quarter financial results in a conference call on Wednesday, February 4, 2026 at 8:00 a.m. Eastern.

The takeaway

Enact's strong 2025 performance demonstrates the continued importance of private mortgage insurance in supporting homeownership, even in a challenging housing market environment. The company's disciplined approach and focus on long-term value creation have enabled it to grow its business and deliver sustainable returns for shareholders.