ACT FINANCIAL STATEMENTS

Enact Holdings Inc — balance sheet, income statement and cash flow trends

ACTEnact Holdings Inc

🇺🇸 USA · NASDAQ · Financial Services · Insurance - Specialty

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.2 B $+1.8%

Gross Profit1 B $+7.7%

Operating Income860.8 M $-2.6%

EBITDA910.8 M $-2.5%

Net Income676.2 M $-2.4%

Peer Comparison· Insurance - Specialty

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
ACT	—	—	—	54.6%
MPL	—	—	—	5.3%
NHF	—	—	—	5.4%
TSU	—	—	—	4.7%
BEZ	—	—	—	88.1%
Industry median	—	—	—	12.4%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity5.3 B $77%
Current Liabilities85.3 M $1%
Long-term Liabilities1.5 B $22%

Key Figures

YoY change

Total Assets7 B $+3.6%

Total Liabilities1.6 B $+1.0%

Total Equity5.3 B $+4.4%

Cash & ST Investments549 M $-13.6%

Total Debt744.9 M $+0.2%

Net Debt195.8 M $+81.1%

Peer Comparison· Insurance - Specialty

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
ACT	7.00	13.9%	0.21	76.8%
MPL	13.45	20.5%	0.04	55.0%
NHF	—	27.6%	0.48	52.2%
TSU	23.58	23.4%	-0.19	18.5%
BEZ	—	12.9%	-0.60	30.1%
Industry median	2.53	20.5%	-0.54	30.3%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
ACT	7.00	13.9%	0.21	76.8%
MTG	10.40	12.8%	-5.63	78.5%
ESNT	5.91	8.7%	-6.61	75.3%
FAF	—	31.9%	-0.54	30.6%
RYAN	1.02	588.3%	4.47	5.8%
RDN	0.49	23.9%	1.25	46.7%
Industry median	2.53	20.5%	-0.54	30.3%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow721.8 M $-0.5%

Capital Expenditures0 $—

Free Cash Flow721.8 M $-0.5%

Dividends Paid122.5 M $+7.1%

Peer Comparison· Insurance - Specialty

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
ACT	58.2%	58.2%	0.0%	106.7%
MPL	4.8%	3.9%	0.1%	91.0%
NHF	5.4%	4.2%	1.1%	98.7%
TSU	10.4%	10.2%	0.2%	220.2%
BEZ	91.7%	90.5%	1.3%	104.1%
Industry median	18.5%	17.6%	0.6%	105.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
ACT	58.2%	58.2%	0.0%	106.7%
MTG	58.6%	58.5%	0.1%	98.3%
ESNT	64.2%	63.6%	0.6%	120.4%
FAF	16.8%	13.7%	3.1%	150.0%
RYAN	19.6%	17.6%	2.0%	470.3%
RDN	24.1%	23.9%	0.3%	59.9%
Industry median	18.5%	17.6%	0.6%	105.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
ACT	—	—	—	54.6%
MTG	—	—	—	59.6%
ESNT	—	—	—	53.3%
FAF	—	—	—	11.2%
RYAN	—	—	—	4.2%
RDN	—	—	—	40.3%
Industry median	—	—	—	12.4%