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	-	688.07	665.51	704.16	546.69
Other Amortization	-	11.61	13.24	14.82	16.96
Gain (Loss) on Sale of Investments	-	11.2	7.49	-1.13	-6.37
Stock-Based Compensation	-	18.77	15.28	9.88	1.5
Change in Accounts Receivable	-	-7.96	-3.33	0.53	4.2
Change in Unearned Revenue	-	-34.65	-53.39	-43.6	-60.63
Change in Insurance Reserves / Liabilities	-	6.52	-0.82	-122.32	85.65
Change in Other Net Operating Assets	-	-16.95	-4.01	7.17	-8.1
Other Operating Activities	-	9.64	-7.94	-9	-7.78
Operating Cash Flow	-	686.26	632.04	560.51	572.11
Operating Cash Flow Growth	-	8.58%	12.76%	-2.03%	-18.77%
Investment in Securities	-	-304.92	-215.48	-220.26	-398.78
Other Investing Activities	-	-15.59	-13.93	-	-
Investing Cash Flow	-	-320.51	-229.4	-220.26	-398.78
Long-Term Debt Issued	-	749.65	-	-	-
Total Debt Repaid	-	-757.5	-	-	-
Net Debt Issued (Repaid)	-	-7.85	-	-	-
Repurchases of Common Stock	-	-243.97	-87.76	-1.53	-
Common Dividends Paid	-	-111.72	-212.96	-250.78	-200.29
Other Financing Activities	-	-18.46	-	-	-
Financing Cash Flow	-	-382	-300.73	-252.31	-200.29
Net Cash Flow	-	-16.25	101.91	87.95	-26.97
Cash Interest Paid	-	62.95	49.18	49.09	47.94
Cash Income Tax Paid	-	188.54	181.97	186.15	145.95
Levered Free Cash Flow	-	1,077	486.82	547.55	395.3
Unlevered Free Cash Flow	-	1,107	516.66	577.45	424.93
Change in Working Capital	-	-53.03	-61.54	-158.23	21.12

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

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