Enact Holdings, Inc. (ACT)

Enact Holdings Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	659.82	688.07	665.51	704.16	546.69	370.42
Other Amortization	10.91	11.61	13.24	14.82	16.96	20.94
Gain (Loss) on Sale of Investments	6.51	11.2	7.49	-1.13	-6.37	-2.03
Stock-Based Compensation	18.04	18.77	15.28	9.88	1.5	-
Change in Accounts Receivable	0.19	-7.96	-3.33	0.53	4.2	-5.3
Change in Unearned Revenue	-25.35	-34.65	-53.39	-43.6	-60.63	-76.51
Change in Insurance Reserves / Liabilities	61.65	6.52	-0.82	-122.32	85.65	320.62
Change in Other Net Operating Assets	-31.01	-16.95	-4.01	7.17	-8.1	71.09
Other Operating Activities	3.62	9.64	-7.94	-9	-7.78	5.13
Operating Cash Flow	704.38	686.26	632.04	560.51	572.11	704.35
Operating Cash Flow Growth	-0.82%	8.58%	12.76%	-2.03%	-18.77%	40.86%
Investment in Securities	-364.9	-304.92	-215.48	-220.26	-398.78	-1,137
Other Investing Activities	-8.45	-15.59	-13.93	-	-	-
Investing Cash Flow	-373.35	-320.51	-229.4	-220.26	-398.78	-1,137
Long-Term Debt Issued	-	749.65	-	-	-	737.65
Total Debt Repaid	-	-757.5	-	-	-	-
Net Debt Issued (Repaid)	-	-7.85	-	-	-	737.65
Repurchases of Common Stock	-330.02	-243.97	-87.76	-1.53	-	-
Common Dividends Paid	-118.94	-111.72	-212.96	-250.78	-200.29	-437.35
Other Financing Activities	-11.85	-18.46	-	-	-	-
Financing Cash Flow	-460.82	-382	-300.73	-252.31	-200.29	300.3
Net Cash Flow	-129.79	-16.25	101.91	87.95	-26.97	-132.26
Cash Interest Paid	62.95	62.95	49.18	49.09	47.94	-
Cash Income Tax Paid	188.54	188.54	181.97	186.15	145.95	56.99
Levered Free Cash Flow	585.05	1,077	486.82	547.55	395.3	229.33
Unlevered Free Cash Flow	614.74	1,107	516.66	577.45	424.93	240.74
Change in Working Capital	5.48	-53.03	-61.54	-158.23	21.12	309.89

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q