ACT (Enact Holdings) Unearned Premiums: $85 Mil (As of Mar. 2026)


ACT Enact Holdings Inc ACT
75 GF Score
Price $44.75
GF Value $38.48
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Enact Holdings Unearned Premiums?

Enact Holdings ACT -0.51% 75 Unearned Premiums is $85 Mil as of Mar. 2026. GuruFocus rates ACT with a GF Score™ of 75/100 and a GF Value™ of $38.48 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Enact Holdings's quarterly unearned premiums declined from Sep. 2025 ($96 Mil) to Dec. 2025 ($92 Mil) and declined from Dec. 2025 ($92 Mil) to Mar. 2026 ($85 Mil).

Enact Holdings's annual unearned premiums declined from Dec. 2023 ($149 Mil) to Dec. 2024 ($115 Mil) and declined from Dec. 2024 ($115 Mil) to Dec. 2025 ($92 Mil).

Enact Holdings Unearned Premiums Historical Data

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The historical data trend for Enact Holdings's Unearned Premiums can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enact Holdings Unearned Premiums Chart

Enact Holdings Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Premiums
Get a 7-Day Free Trial 246.32 202.72 149.33 114.68 91.64

Enact Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Unearned Premiums Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 107.52 101.21 96.03 91.64 85.25
ACT
75GF Score
Enact Holdings Inc ACT
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
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Enact Holdings Unearned Premiums Calculation

The portion of premium that has not been earned by insurance companies. Insurance companies have to pay them back to the insured if the policies are cancelled.

Frequently Asked Questions Learn more about Unearned Premiums →
What does a Unearned Premiums of $85 Mil mean?
Enact Holdings (ACT) has a Unearned Premiums of $85 Mil as of Mar. 2026. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Enact Holdings and its competitors.
Is Enact Holdings' Unearned Premiums too high?
Enact Holdings' current Unearned Premiums is $85 Mil. Overall, Enact Holdings has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enact Holdings' Unearned Premiums compare to ESNT and MTG?
Enact Holdings' Unearned Premiums of $85 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Premiums for an Insurance company?
A good Unearned Premiums depends on the Insurance industry context. However, Unearned Premiums should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Unearned Premiums mean?
A high Unearned Premiums can signal that a stock is expensive relative to its fundamentals. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Enact Holdings and its competitors. Enact Holdings's current Unearned Premiums is $85 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enact Holdings stock overvalued right now?
Based on GuruFocus' analysis, Enact Holdings (ACT) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.48, compared to a current price of $44.75 — trading 16.3% above its estimated fair value. The current Unearned Premiums is $85 Mil. Enact Holdings' overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Unearned Premiums calculated?
Unearned Premiums is calculated from a company's financial statements. For Enact Holdings (ACT), the current Unearned Premiums is $85 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Enact Holdings (ACT) Overvalued in 2026?

Based on GuruFocus' analysis, Enact Holdings stock appears to be overvalued. The current stock price of $44.75 is trading 16.3% above its estimated GF Value™ of $38.48. GuruFocus considers Enact Holdings to be Modestly Overvalued.

Key valuation signals for ACT:

  • Unearned Premiums: $85 Mil
  • GF Value™: $38.48 vs. price of $44.75 (16.3% above fair value)
  • GF Score™: 75/100 with 6 warning signs

No single metric tells the full story. See the ACT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Enact Holdings Business Description

Address 8325 Six Forks Road, Raleigh, NC, USA, 27615
Enact Holdings Inc is a private mortgage insurance company serving the United States housing finance market. The company operates in a single reportable segment namely Mortgage Insurance The principal mortgage insurance customers are originators of residential mortgage loans that determines the mortgage insurer or insurers to be used for the placement of mortgage insurance written on loans originated. The company is engaged in writing and assuming residential mortgage guaranty insurance.
75GF Score

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Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.75
Price
$38.48
GF Value