Enact Holdings Inc 2026年季度报告

(Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 46-1579166 Delaware (State or other jurisdiction ofincorporation or organization) 8325 Six Forks RoadRaleigh, North Carolina 27615(919) 846-4100(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices) Securities registered pursuant to Section 12(b) of the Act: Trading Symbol Title of each class Name of each exchange on which registered ACT Common Stock, par value $0.01 per share The Nasdaq Stock Market, LLC Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and(2) has been subject to such filing requirements for the past 90 days. Yes☒No☐ Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theRegistrant was required to submit such files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany” and “emerging growth company” in Rule12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ As of May 4, 2026, there were 139,600,745 shares of Common Stock, par value $0.01 per share, outstanding. TABLE OF CONTENTS Part I. Financial InformationItem 1. Financial StatementsCondensed Consolidated Balance Sheets (Unaudited)Condensed Consolidated Statements of Income (Unaudited)Condensed Consolidated Statements of Comprehensive Income (Unaudited)Condensed Consolidated Statements of Changes in Equity (Unaudited)Condensed Consolidated Statements of Cash Flows (Unaudited)Notes to Condensed Consolidated Financial Statements (Unaudited)Item 2. Management's Discussion and Analysis of Financial Condition and Results of OperationsItem 3. Quantitative and Qualitative Disclosures About Market RiskItem 4. Controls and ProceduresPart II. Other InformationItem 1. Legal ProceedingsItem 1A. Risk FactorsItem2. Unregistered Sales of Equity Securities and Use of ProceedsItem 5. Other InformationItem6. ExhibitsSignatures Cautionary Note Regarding Forward-Looking Statements This Quarterly Report on Form 10-Q, including Management’s Discussion and Analysis of Financial Condition and Resultsof Operations, contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act. Theseforward-looking statements may address, among other things, our expected financial and operational results, the relatedassumptions underlying our expected results and the quotations of management. These forward-looking statements aredistinguished by use of words such as “will,” “would,” “anticipate,” “expect,” “believe,” “designed,” “plan,” or “intend,” thenegative of these terms and similar references to future periods. These views involve risks and uncertainties that are difficultto predict and, accordingly, our actual results may differ materially from the results discussed in our forward-lookingstatements. Our forward-looking statements contained herein speak only as of the date of this quarterly report. Although Enact Holdings, Inc. (the “Company”) believes the expectations reflected in such forward-looking statements arebased on reasonable assumptions, the Company can give no assurance that its expectations will be achieved and itundertakes no obligation to update publicly any forward-looking statements as a result of new information, future events, orotherwise, except as required by applicable law. Factors or events that we cannot predict, including the following, may causeour actual results to differ from those expressed in forward-looking statements: •inabilityto continue to maintain the private mortgage insurer eligibility requirements(“PMIERs”)or any otherrestrictions imposed on us by the Federal National Mortgage Association (“Fannie Mae”) and the Federal Home LoanMortgage Corporation (“Freddie Mac”), government-sponsored enterprises collectively referred to as the “GSEs”; •deterioration in economic conditions, a decline in h