ACT (Enact Holdings) Net Income: $676 Mil (TTM As of Mar. 2026)


ACT Enact Holdings Inc ACT
74 GF Score
Price $45.75
GF Value $38.40
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Enact Holdings Net Income?

Enact Holdings ACT +0.43% 74 Net Income is $676 Mil as of Mar. 2026. GuruFocus rates ACT with a GF Score™ of 74/100 and a GF Value™ of $38.40 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Enact Holdings's Net Income for the three months ended in Mar. 2026 was $168 Mil. Its Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was $676 Mil.

Net Income is linked to the most popular Earnings per Share (Diluted) number. Enact Holdings's Earnings per Share (Diluted) for the three months ended in Mar. 2026 was $1.18.


Enact Holdings  (NAS:ACT) Net Income Explanation

Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:

Enact Holdings's Earnings per Share (Diluted) (EPS) for the quarter that ended in Mar. 2026 is calculated as

* 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.

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

EPS is most useful for companies that have:

A predictable business
Consistent accounting methods
And few restructurings

The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Enact Holdings Net Income Related Terms


Enact Holdings Net Income Historical Data

* Premium members only.

The historical data trend for Enact Holdings's Net Income 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 Net Income Chart

Enact Holdings Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Income
Get a 7-Day Free Trial 546.69 704.16 665.51 688.07 674.24

Enact Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Income 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 165.78 167.81 163.50 177.16 167.77
ACT
74GF Score
Enact Holdings Inc ACT
Net Income is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Enact Holdings Net Income Calculation

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.

Net Income
= Revenue - Cost of Goods Sold - Selling, General, & Admin. Expense - Research & Development - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= EBITDA - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Operating Income - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Pre-Tax Income - Tax Expense + Others

Enact Holdings's Net Income for the fiscal year that ended in Dec. 2025 is calculated as

Net Income(A: Dec. 2025 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=858.837+-184.593+0+0
=674

Enact Holdings's Net Income for the quarter that ended in Mar. 2026 is calculated as

Net Income(Q: Mar. 2026 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=213.38+-45.608+0+0
=168

Net Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $676 Mil.

* 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.

Frequently Asked Questions Learn more about Net Income →
What does a Net Income of $676 Mil mean?
Enact Holdings (ACT) has a Net Income of $676 Mil as of Mar. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Enact Holdings and its competitors.
Is Enact Holdings' Net Income too high?
Enact Holdings' current Net Income is $676 Mil. Overall, Enact Holdings has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enact Holdings' Net Income compare to ESNT and MTG?
Enact Holdings' Net Income of $676 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 Net Income for an Insurance company?
A good Net Income depends on the Insurance industry context. However, Net Income 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Enact Holdings and its competitors. Enact Holdings's current Net Income is $676 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 $38.40, compared to a current price of $45.75 — trading 19.1% above its estimated fair value. The current Net Income is $676 Mil. Enact Holdings' overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Enact Holdings (ACT), the current Net Income is $676 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 $45.75 is trading 19.1% above its estimated GF Value™ of $38.40. GuruFocus considers Enact Holdings to be Modestly Overvalued.

Key valuation signals for ACT:

  • Net Income: $676 Mil
  • GF Value™: $38.40 vs. price of $45.75 (19.1% above fair value)
  • GF Score™: 74/100 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.
74GF Score

Get the complete analysis for ACT

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

$45.75
Price
$38.40
GF Value