NASDAQ$ACT
Enact Holdings Inc · Q4 2021 earnings
Q4 2021 earnings · · Investor relations
Briefing
Announced financial results for the fourth quarter and full year of 2021.
Enact reported an excellent fourth quarter driven by strong execution of their strategies, the benefits of their competitive position, and supportive industry fundamentals. With over $21 billion of new insurance written, record insurance-in-force, and favorable loss performance.
- Net income for the fourth quarter of 2021 was $154 million, or $0.94 per diluted share.
- Adjusted net operating income for the fourth quarter of 2021 was $154 million, or $0.94 per diluted share.
- New insurance written (NIW) was $21.4 billion.
- Persistency for the fourth quarter of 2021 was 69%.
Headline financials
Revenue & EPS history
Enact · Revenue · Quarterly
$273M
Revenue by segment
Enact · $272M total across 2 segments · Q4 2021
- Premiums$237M—87.1%
- Net Investment Income$35M—12.9%
Forward guidance
Looking ahead, market dynamics for our business remain favorable, and we are well positioned to build on our success. Our experienced team, differentiated solutions, strong relationships and approach to risk management and efficiency provide a strong foundation for continued growth and value creation for all of our stakeholders.
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 Q4 2021
+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
| Quarter | Report date | Reaction (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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