Enact Holdings, Inc.
Enact Holdings, Inc. is classed by the SEC under Insurance Agents, Brokers & Service (industry code 6411), based in Raleigh, NC. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.2 billion and a profit of $674 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a brokerage business: prior from its industry code (SEC 6411, Insurance Agents, Brokers & Service); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.3 out of ten, 9 of 9 metrics filed: past 6.7 out of ten, present 6.7 out of ten, future 5.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.2 out of ten. No warning events in its filings since 2020. 72nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.8 out of ten. +4% a year over 7 filed years; profitable in 6 of 6. 48th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 8.6 out of ten. Share count shrank 2.9% a year. 57% of cash flow returned. Insiders: 7 sales, 0 purchases. 86th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 8.5 out of ten. ROE 13%: 13¢ of profit per shareholder dollar. Leverage 22%: owes 22¢ per asset dollar. 85th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.7 out of ten. top 43% of 30 in its family; net margin 54.6%. 57th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.9 out of ten. top 41% of 21 in its family for leadership; chief executive since 2021. 59th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 7.1 out of ten. top 29% of 29 in its family for room to expand. 71st percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.8 out of ten. bottom 48% of 29 in its family for growth drivers. 48th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.9 out of ten. bottom 39% of 25 in its family for expectations against reality. 39th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 4, 2026-10-05. Filings on record since 2020. Read from EDGAR 2026-10-12.
Who runs it
Gupta, Rohit (President and CEO); Mitchell, Hardin Dean (EVP, CFO and Treasurer); Derstine, Michael (EVP and Chief Risk Officer); Gould, Brian (EVP & Chief Operations Officer); Mcmullen, James (Controller); Stolove, Evan (EVP, Gen. Counsel & Secretary); Addesso, Dominic James (director); Bless, Michael A (director); Fisk, John D (director); Hooda, Sheila (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-05.
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