Enact Holdings, Inc. (ACT)

Enact Holdings Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	674.24	688.07	665.51	704.16	546.69
Depreciation & Amortization	9.19	9.66	10.65	12.41	14.7
Stock-Based Compensation	19.02	18.77	15.28	9.88	1.5
Other Adjustments	11.51	28.55	8.25	-1.03	-4.63
Changes in Receivables	6.9	-7.96	-3.33	0.53	4.2
Changes in Deferred Acquisition Costs	-5.22	-5.76	-6.11	-6.68	-7.27
Changes in Unearned Premiums	-23.04	-34.65	-53.39	-43.6	-60.63
Changes in Claims Reserves	47.76	6.52	-0.82	-122.32	85.65
Changes in Other Operating Activities	-15.84	-16.95	-4.01	7.17	-8.1
Operating Cash Flow	724.52	686.26	632.04	560.51	572.11
Operating Cash Flow Growth	5.58%	8.58%	12.76%	-2.03%	-18.77%
Purchases of Investments	-1,897	-1,611	-1,018	-1,223	-1,611
Proceeds from Sale of Investments	1,675	1,289	819.58	1,006	1,212
Other Investing Activities	-4.96	1.26	-30.58	-3.08	-
Investing Cash Flow	-226.38	-320.51	-229.4	-220.26	-398.78
Long-Term Debt Issued	-	749.65	-	-	-
Long-Term Debt Repaid	-	-757.5	-	-	-
Net Long-Term Debt Issued (Repaid)	-	-7.85	-	-	-
Repurchase of Common Stock	-382.4	-243.97	-87.76	-1.53	-
Net Common Stock Issued (Repurchased)	-382.4	-243.97	-87.76	-1.53	-
Common Dividends Paid	-120.83	-111.72	-212.96	-250.78	-200.29
Other Financing Activities	-11.85	-18.46	-	-	-
Financing Cash Flow	-515.08	-382	-300.73	-252.31	-200.29
Net Cash Flow	-16.94	-16.25	101.91	87.95	-26.97
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%
FCF Margin	58.63%	57.10%	54.78%	51.19%	51.18%
Free Cash Flow Per Share	4.85	4.36	3.91	3.43	3.51
Levered Free Cash Flow	639.33	632.52	612.66	673.45	485.4
Unlevered Free Cash Flow	678.55	689.03	653.2	713.98	525.51

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

SEC Filings: 10-K · 10-Q