Enact Holdings Inc. (ACT) quarterly income statement — complete revenue, gross profit & net income history
Enact Holdings Inc. (ACT) annual income statement — 8-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Revenue | 312.85M | 317.31M | 312.07M | 311.51M | 311.45M | 304.62M | 306.89M | 301.93M | 309.59M | 298.83M | 291.59M | 296.19M | 299.04M | 277.52M | 280.94M | 276.67M | 275.07M | 273.54M | 269.59M | 272.88M |
| Revenue Growth % | 0.45% | 4.17% | 1.69% | 3.17% | 0.6% | 1.94% | 5.25% | 1.94% | 3.53% | 7.68% | 3.79% | 7.06% | 8.71% | 1.46% | 4.21% | 1.39% | -1.87% | -1.4% | - | -4.42% |
| Medical Costs & Claims | 47.36M | 33.26M | 37.16M | 17.81M | 88.73M | 78.09M | 83.06M | 81.66M | 67.84M | 39.43M | 72.69M | 83.5M | 72.99M | 50.46M | 43.36M | 80.8M | 17.55M | -132K | 46.91M | 65.2M |
| Medical Cost Ratio % | 15.14% | 10.48% | 11.91% | 5.72% | 28.49% | 25.64% | 27.07% | 27.05% | 21.91% | 13.19% | 24.93% | 28.19% | 24.41% | 18.18% | 15.43% | 29.2% | 6.38% | -0.05% | 17.4% | 23.89% |
| Gross Profit | 265.5M | 284.04M | 274.91M | 293.7M | 222.73M | 226.53M | 223.83M | 220.27M | 241.75M | 259.4M | 218.89M | 212.69M | 226.05M | 227.06M | 237.58M | 195.87M | 257.52M | 273.67M | 222.68M | 207.68M |
| Gross Margin % | 84.86% | 89.52% | 88.09% | 94.28% | 71.51% | 74.36% | 72.93% | 72.95% | 78.09% | 86.81% | 75.07% | 71.81% | 75.59% | 81.82% | 84.57% | 70.8% | 93.62% | 100.05% | 82.6% | 76.11% |
| Gross Profit Growth % | 19.2% | 25.39% | 22.82% | 33.33% | -7.87% | -12.67% | 2.25% | 3.56% | 6.95% | 14.24% | -7.86% | 8.59% | -12.22% | -17.03% | 6.69% | -5.69% | 37.44% | 51.39% | - | 62.98% |
| Operating Expenses | 62.46M | 64.08M | 61.53M | 70.61M | 12.9M | 12.02M | 12.41M | 12.42M | 12.29M | 24.57M | 12.97M | 12.95M | 12.94M | 12.91M | 13.06M | 13.09M | 12.88M | 12.79M | 12.78M | 12.81M |
| OpEx / Revenue % | 19.96% | 20.19% | 19.72% | 22.67% | 4.14% | 3.95% | 4.04% | 4.11% | 3.97% | 8.22% | 4.45% | 4.37% | 4.33% | 4.65% | 4.65% | 4.73% | 4.68% | 4.67% | 4.74% | 4.69% |
| Depreciation & Amortization | 0 | 4.25M | 0 | 0 | 0 | 0 | 0 | 0 | 27M | 2.89M | 2.93M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Combined Ratio % | 35.1% | 30.68% | 31.62% | 28.39% | 32.63% | 29.58% | 31.11% | 31.16% | 25.88% | 21.42% | 29.38% | 32.56% | 28.74% | 22.84% | 20.08% | 33.93% | 11.06% | 4.63% | 22.14% | 28.59% |
| Operating Income | 203.04M | 219.97M | 213.38M | 223.09M | 209.83M | 214.5M | 211.42M | 207.85M | 229.46M | 234.83M | 205.92M | 199.74M | 213.1M | 214.15M | 224.51M | 182.78M | 244.64M | 260.89M | 209.91M | 194.87M |
| Operating Margin % | 64.9% | 69.32% | 68.38% | 71.61% | 67.37% | 70.42% | 68.89% | 68.84% | 74.12% | 78.58% | 70.62% | 67.44% | 71.26% | 77.16% | 79.92% | 66.07% | 88.94% | 95.37% | 77.86% | 71.41% |
| Operating Income Growth % | -3.24% | 2.55% | 0.93% | 7.33% | -8.55% | -8.66% | 2.67% | 4.06% | 7.67% | 9.66% | -8.28% | 9.28% | -12.89% | -17.92% | 6.96% | -6.2% | 40.11% | 56.48% | - | 69.9% |
| EBITDA | 215.51M | 224.22M | 225.75M | 235.55M | 222.73M | 226.8M | 223.71M | 220.12M | 256.46M | 237.72M | 208.85M | 212.69M | 226.05M | 227.06M | 237.58M | 196.04M | 257.52M | 273.67M | 222.68M | 207.64M |
| EBITDA Margin % | 68.89% | 70.66% | 72.34% | 75.62% | 71.51% | 74.45% | 72.9% | 72.9% | 82.84% | 79.55% | 71.63% | 71.81% | 75.59% | 81.82% | 84.57% | 70.86% | 93.62% | 100.05% | 82.6% | 76.09% |
| Interest Expense | 12.47M | 12.48M | 12.37M | 12.46M | 12.9M | 12.3M | 12.29M | 12.26M | 12.29M | 13.64M | 12.96M | 12.95M | 12.94M | 12.91M | 13.06M | 13.26M | 12.88M | 12.79M | 12.78M | 12.77M |
| Non-Operating Income | -12.47M | -12.48M | -12.37M | -12.46M | -12.9M | -12.3M | -12.29M | -12.26M | -12.29M | -13.64M | -12.96M | -12.95M | -12.94M | -12.91M | -13.06M | -13.26M | -12.88M | -12.79M | -12.78M | -12.77M |
| Pretax Income | 203.04M | 219.97M | 213.38M | 223.09M | 209.83M | 214.5M | 211.42M | 207.85M | 229.46M | 234.83M | 205.92M | 199.74M | 213.1M | 214.15M | 224.51M | 182.78M | 244.64M | 260.89M | 209.91M | 194.87M |
| Pretax Margin % | 64.9% | 69.32% | 68.38% | 71.61% | 67.37% | 70.42% | 68.89% | 68.84% | 74.12% | 78.58% | 70.62% | 67.44% | 71.26% | 77.16% | 79.92% | 66.07% | 88.94% | 95.37% | 77.86% | 71.41% |
| Income Tax | 44.13M | 45.13M | 45.61M | 45.92M | 46.33M | 46.69M | 45.64M | 45.12M | 48.79M | 51.16M | 44.93M | 42.44M | 48.91M | 46.13M | 48.52M | 38.98M | 53.66M | 56.15M | 45.28M | 41.34M |
| Effective Tax Rate % | 21.73% | 20.52% | 21.37% | 20.59% | 22.08% | 21.77% | 21.59% | 21.71% | 21.26% | 21.78% | 21.82% | 21.25% | 22.95% | 21.54% | 21.61% | 21.33% | 21.93% | 21.52% | 21.57% | 21.21% |
| Net Income | 158.91M | 174.84M | 167.77M | 177.16M | 163.5M | 167.81M | 165.78M | 162.74M | 180.67M | 183.67M | 160.99M | 157.31M | 164.19M | 168.02M | 175.99M | 143.81M | 190.99M | 204.74M | 164.63M | 153.53M |
| Net Margin % | 50.79% | 55.1% | 53.76% | 56.87% | 52.49% | 55.09% | 54.02% | 53.9% | 58.36% | 61.46% | 55.21% | 53.11% | 54.91% | 60.54% | 62.64% | 51.98% | 69.43% | 74.85% | 61.07% | 56.26% |
| Net Income Growth % | -2.81% | 4.19% | 1.2% | 8.86% | -9.5% | -8.64% | 2.98% | 3.45% | 10.03% | 9.32% | -8.52% | 9.39% | -14.03% | -17.93% | 6.9% | -6.34% | 39.19% | 56.51% | - | 68.38% |
| EPS (Diluted) | 1.15 | 1.25 | 1.18 | 1.22 | 1.10 | 1.11 | 1.08 | 1.05 | 1.15 | 1.16 | 1.01 | 0.98 | 1.02 | 1.04 | 1.08 | 0.88 | 1.17 | 1.25 | 1.01 | 0.94 |
| EPS Growth % | 4.55% | 12.61% | 9.26% | 16.19% | -4.35% | -4.31% | 6.93% | 7.14% | 12.75% | 11.54% | -6.48% | 11.36% | -12.82% | -16.8% | 6.93% | -6.38% | 39.29% | 56.25% | - | 67.86% |
| EPS (Basic) | 1.16 | 1.25 | 1.18 | 1.23 | 1.11 | 1.12 | 1.09 | 1.06 | 1.16 | 1.17 | 1.01 | 0.99 | 1.03 | 1.04 | 1.08 | 0.88 | 1.17 | 1.26 | 1.01 | 0.94 |
| Diluted Shares Outstanding | 138.29M | 140.31M | 142.63M | 145.29M | 148.34M | 150.73M | 152.91M | 154.54M | 157.02M | 158.57M | 160.09M | 160.9M | 161.15M | 162.17M | 163.18M | 163.52M | 163.38M | 163.22M | 163.05M | 162.88M |