NASDAQ$ACT

Enact Holdings Inc · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Enact reported a strong start to the year, marked by record insurance in force and profitable new business, while prudently managing risk and driving cost efficiency.

Enact Holdings, Inc. announced strong first quarter 2023 results with a net income of $176 million, or $1.08 per diluted share. The company achieved a record primary insurance-in-force of $253 billion, driven by new insurance written and elevated persistency.

  • Net income was $176 million, or $1.08 per diluted share.
  • Adjusted operating income was $176 million, or $1.08 per diluted share.
  • New insurance written (NIW) was $13 billion.
  • Primary Insurance-In-Force was a record $253 billion.

Headline financials

Total Revenue

$281M

Previous: $270M+4.2%
EPS (adj)

$1.08

Previous: $1.01+6.9%
New Insurance Written (NIW)

$13B

Previous: $19B-31.6%
Primary Insurance In-Force (IIF)

$253B

No prior period
Primary Persistency Rate

85.0%

Previous: 76.0%+11.8%
Net Income

$176M

Previous: $165M+6.7%
Operating Income

$176M

Previous: $165M+6.7%
Gross Profit

$281M

Previous: $173K+162292.5%
Cash & Equivalents

$622M

Previous: $440M+41.2%
Total Assets

$5.84B

Previous: $5.79B+0.9%
Stock-Based Comp

$2.18M

Previous: $2.72M-19.7%

Revenue & EPS history

Enact · Revenue · Quarterly

$281M

Q1 2023+4.2%vs Q1 2022
Beat estimate in 6 of 13 quarters(46%)
ActualEstimate

Revenue by segment

Enact · $278M total across 2 segments · Q4 2022

  • Premiums
    $233M-1.8%
  • Net Investment Income
    $44.9M+28.3%

Forward guidance

Enact is well positioned with a strong balance sheet and financial flexibility, and remains focused on the continued execution of its cycle-tested growth strategy as it navigates the current market.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2023

Historical avgQ1 2023

+0.2%

Avg return

Earnings day

+1.0%

Avg return

5 days after

+1.8%

Avg return

30 days after

61%

14 / 23 earnings

Positive

+8.9%

Q4 2025

Best reaction

-8.3%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-3.3%+1.3%-1.3%
Q4 2025+8.9%+5.1%+2.8%
Q3 2025+2.2%+4.7%+5.7%
Q2 2025+1.0%+4.3%+9.4%
Q1 2025+2.2%+1.3%-1.1%
Q4 2024+1.5%+1.0%+1.4%
Q3 2024+2.1%+5.2%+7.0%
Q1 2024+0.9%+5.3%+3.3%
Q4 2023-4.6%-2.1%+3.2%
Q3 2023+1.2%+1.4%+1.2%
Q2 2023+3.6%+6.6%+5.4%
Q1 2023-7.7%-0.8%+4.9%
Q4 2022-8.3%-3.0%-2.4%
Q3 2022+1.8%+0.4%-3.3%
Q2 2021+4.5%+3.9%-1.0%
Q2 2022+7.9%+12.8%+6.2%
Q1 2021-4.4%-8.9%+2.4%
Q1 2022+5.8%+1.2%+7.1%
Q4 2020-5.1%-4.7%+6.1%
Q4 2019-5.1%-4.7%+6.1%
Q4 2021-1.1%-3.8%-5.6%
Q3 2020-0.6%-3.9%-9.4%
Q3 2021+1.1%+0.6%-7.5%
Q2 2020
Q1 2020
Q3 2019
Q2 2019
Q1 2019
Q1 2015
Q4 2014

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