Enact Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Premiums Earned	980.51	980.1	957.08	939.46	974.95
Investment Income	266.15	240.56	207.37	155.31	141.19
Net Gains on Investments	-16.28	-22.81	-14.02	-2.04	-2.12
Total Other Revenues	5.45	3.91	3.26	2.31	3.84
Revenue	1,236	1,202	1,154	1,095	1,118
Revenue Growth (YoY)	2.83%	4.17%	5.36%	-2.04%	1.03%
Insurance Benefits & Claims	109.53	38.66	27.17	-94.22	125.47
Policy Amortization Costs	9.19	9.66	10.65	12.41	14.7
Other Operating Expenses	208.33	213.31	212.49	226.94	231.45
Operating Income	908.79	940.15	903.38	949.92	746.23
Interest Expense	-49.95	-51.16	-51.87	-51.7	-51.01
Other Non-Operating Income (Expense)	-	-10.93	-	-	-
Total Non-Operating Income (Expense)	-49.95	-62.09	-51.87	-51.7	-51.01
Pretax Income	858.84	878.06	851.51	898.22	695.22
Provision for Income Taxes	184.59	189.99	186	194.07	148.53
Net Income	674.24	688.07	665.51	704.16	546.69
Net Income to Common	674.24	688.07	665.51	704.16	546.69
Net Income Growth	-2.01%	3.39%	-5.49%	28.80%	47.59%
Shares Outstanding (Basic)	148	156	161	163	163
Shares Outstanding (Diluted)	149	158	162	163	163
Shares Change (YoY)	-5.23%	-2.65%	-0.89%	0.26%	0.02%
EPS (Basic)	4.54	4.40	4.14	4.32	3.36
EPS (Diluted)	4.52	4.37	4.11	4.31	3.36
EPS Growth	3.43%	6.33%	-4.64%	28.27%	48.02%
Free Cash Flow	724.52	686.26	632.04	560.51	572.11
Free Cash Flow Growth	5.58%	8.58%	12.76%	-2.03%	-18.77%
Free Cash Flow Per Share	4.85	4.36	3.91	3.43	3.51
Dividends Per Share	0.815	0.715	0.620	0.420	-
Dividend Growth	13.99%	15.32%	47.62%	-	-
Operating Margin	73.54%	78.23%	78.30%	86.75%	66.76%
Profit Margin	54.56%	57.25%	57.69%	64.30%	48.90%
FCF Margin	58.63%	57.10%	54.78%	51.19%	51.18%
EBITDA	917.98	949.81	914.03	962.33	760.93
EBITDA Margin	74.28%	79.03%	79.23%	87.88%	68.07%
EBIT	908.79	940.15	903.38	949.92	746.23
EBIT Margin	73.54%	78.23%	78.30%	86.75%	66.76%
Effective Tax Rate	21.49%	21.64%	21.84%	21.61%	21.36%

Updated Dec 31, 2025. Data Source: Fiscal.ai. insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q