Enact Reports Third Quarter 2024 Results And Announces Quarterly Dividend
Enact Holdings reported strong Q3 2024 financial results with GAAP Net Income of $181 million ($1.15 per diluted share) and Adjusted Operating Income of $182 million ($1.16 per diluted share). The company achieved a Return on Equity of 14.7% and reached a record Primary insurance in-force of $268 billion, representing a 2% increase from Q3 2023. The company maintained strong capital position with PMIERs Sufficiency of 173% ($2,190 million). Net premiums earned increased to $249 million, up 2% from previous quarter. The company announced a quarterly cash dividend of $0.185 per common share.
Enact Holdings ha riportato risultati finanziari solidi per il terzo trimestre del 2024, con un reddito netto GAAP di 181 milioni di dollari (1,15 dollari per azione diluita) e un reddito operativo rettificato di 182 milioni di dollari (1,16 dollari per azione diluita). L'azienda ha raggiunto un ritorno sul patrimonio netto del 14,7% e ha toccato un massimo record di assicurazione primaria in vigore di 268 miliardi di dollari, con un aumento del 2% rispetto al terzo trimestre del 2023. L'azienda ha mantenuto una solida posizione di capitale con una sufficienza PMIERs del 173% (2.190 milioni di dollari). I premi netti guadagnati sono aumentati a 249 milioni di dollari, in crescita del 2% rispetto al trimestre precedente. L'azienda ha annunciato un dividendo in contante trimestrale di 0,185 dollari per azione comune.
Enact Holdings reportó resultados financieros sólidos en el tercer trimestre de 2024, con un ingreso neto GAAP de 181 millones de dólares (1,15 dólares por acción diluida) y un ingreso operativo ajustado de 182 millones de dólares (1,16 dólares por acción diluida). La compañía logró un retorno sobre el patrimonio del 14.7% y alcanzó un récord de seguros primarios en vigor de 268 mil millones de dólares, lo que representa un aumento del 2% con respecto al tercer trimestre de 2023. La empresa mantuvo una sólida posición de capital con una suficiencia PMIERs del 173% (2,190 millones de dólares). Los premios netos ganados aumentaron a 249 millones de dólares, un 2% más que en el trimestre anterior. La compañía anunció un dividendo en efectivo trimestral de 0,185 dólares por acción común.
Enact Holdings는 2024년 3분기 강력한 재무 결과를 보고했으며, GAAP 순이익이 1억 8,100만 달러 (희석 주당 1.15 달러)와 조정 운영 이익이 1억 8,200만 달러 (희석 주당 1.16 달러)에 달했습니다. 이 회사는 자기 자본이익률 14.7%을 달성했으며, 기록적인 기초 보험 유효액 2,680억 달러에 도달했습니다. 이는 2023년 3분기 대비 2% 증가한 수치입니다. 이 회사는 PMIERs 충족율 173% (21억 9,000만 달러)로 강력한 자본 위치를 유지했습니다. 순 보험료 수입은 2억 4,900만 달러로 증가했으며, 이는 이전 분기 대비 2% 증가한 수치입니다. 이 회사는 보통주 1주당 0.185 달러의 분기 현금 배당금을 발표했습니다.
Enact Holdings a annoncé des résultats financiers solides pour le troisième trimestre 2024, avec un revenu net GAAP de 181 millions de dollars (1,15 dollar par action diluée) et un revenu d'exploitation ajusté de 182 millions de dollars (1,16 dollar par action diluée). L'entreprise a réalisé un rendement des capitaux propres de 14,7 % et a atteint un niveau record d'assurance primaire en vigueur de 268 milliards de dollars, représentant une augmentation de 2 % par rapport au troisième trimestre 2023. L'entreprise a maintenu une solide position en capital avec une suffisance PMIERs de 173 % (2,190 millions de dollars). Les primes nettes gagnées ont augmenté à 249 millions de dollars, soit une hausse de 2 % par rapport au trimestre précédent. L'entreprise a annoncé un dividende en espèces trimestriel de 0,185 dollar par action ordinaire.
Enact Holdings hat für das dritte Quartal 2024 starke Finanzergebnisse gemeldet, mit einem GAAP-Nettogewinn von 181 Millionen Dollar (1,15 Dollar pro verwässerter Aktie) und einem bereinigten Betriebsergebnis von 182 Millionen Dollar (1,16 Dollar pro verwässerter Aktie). Das Unternehmen erzielte eine Eigenkapitalrendite von 14,7 % und erreichte einen Rekord von 268 Milliarden Dollar an gültiger Primärversicherung, was einem Anstieg von 2 % im Vergleich zum dritten Quartal 2023 entspricht. Das Unternehmen hielt eine starke Kapitalposition mit einer PMIERs-Durchführungsrate von 173 % (2.190 Millionen Dollar) aufrecht. Die verdienten Bruttoprämien stiegen auf 249 Millionen Dollar, was einem Anstieg von 2 % im Vergleich zum vorherigen Quartal entspricht. Das Unternehmen kündigte eine quartalsweise Bardividende von 0,185 Dollar pro Stammaktie an.
- Record Primary insurance in-force of $268 billion, up 2% YoY
- Strong PMIERs Sufficiency of 173% ($2,190 million)
- Net premiums earned increased 2% QoQ to $249 million
- Net investment income grew to $61 million, up from $55 million YoY
- High persistency rate maintained at 83%
- Net income decreased from $184M in Q2 2024 to $181M in Q3 2024
- Adjusted Operating Income declined from $201M in Q2 to $182M in Q3 2024
- Losses incurred increased to $12M from -$17M in Q2 2024
- New insurance written remained flat QoQ and declined 6% YoY
Insights
Enact delivered a solid Q3 2024 with strong financial metrics across the board. Net income reached
Key performance highlights include a healthy
The combination of growing insurance-in-force, controlled expenses and strong investment income positions Enact well in the challenging mortgage market environment.
GAAP Net Income of
Adjusted Operating Income of
Return on Equity of
Record Primary insurance in-force of
PMIERs Sufficiency of
Book Value Per Share of
Announces quarterly cash dividend of
RALEIGH, N.C., Nov. 06, 2024 (GLOBE NEWSWIRE) -- Enact Holdings, Inc. (Nasdaq: ACT) today announced financial results for the third quarter of 2024.
"Our strong third-quarter performance underscores the continued successful execution of our strategy," stated Rohit Gupta, President and CEO of Enact. "Driven by our effective go-to-market strategy, our insurance-in-force reached a new peak during the quarter, while our careful risk and expense management initiatives continued to produce strong bottom-line performance, fueling our ability to deliver for our policyholders, invest in our business, and return capital to our shareholders. Looking to the remainder of the year and beyond, we believe we are well positioned to continue driving value for all stakeholders. The long-term drivers of demand remain intact, and we will continue to play an essential role in helping people responsibly achieve and maintain their homeownership goals."
Key Financial Highlights
| (In millions, except per share data or otherwise noted) | 3Q24 | 2Q24 | 3Q23 | ||||||||
| Net Income (loss) | $ | 181 | $ | 184 | $ | 164 | |||||
| Diluted Net Income (loss) per share | $ | 1.15 | $ | 1.16 | $ | 1.02 | |||||
| Adjusted Operating Income (loss) | $ | 182 | $ | 201 | $ | 164 | |||||
| Adj. Diluted Operating Income (loss) per share | $ | 1.16 | $ | 1.27 | $ | 1.02 | |||||
| NIW ($B) | $ | 14 | $ | 14 | $ | 14 | |||||
| Primary IIF ($B) | $ | 268 | $ | 266 | $ | 262 | |||||
| Primary Persistency Rate | 83 | % | 83 | % | 84 | % | |||||
| Net Premiums Earned | $ | 249 | $ | 245 | $ | 243 | |||||
| Losses Incurred | $ | 12 | $ | (17 | ) | $ | 18 | ||||
| Loss Ratio | 5 | % | (7 | )% | 7 | % | |||||
| Operating Expenses | $ | 56 | $ | 56 | $ | 55 | |||||
| Expense Ratio | 22 | % | 23 | % | 23 | % | |||||
| Net Investment Income | $ | 61 | $ | 60 | $ | 55 | |||||
| Net Investment gains (losses) | $ | (1 | ) | $ | (8 | ) | $ | 0 | |||
| Return on Equity | 14.7 | % | 15.4 | % | 14.9 | % | |||||
| Adjusted Operating Return on Equity | 14.8 | % | 16.9 | % | 14.9 | % | |||||
| PMIERs Sufficiency ($) | $ | 2,190 | $ | 2,057 | $ | 2,017 | |||||
| PMIERs Sufficiency (%) | 173 | % | 169 | % | 162 | % | |||||
Third Quarter 2024 Financial and Operating Highlights
- Net income was
$181 million , or$1.15 per diluted share, compared with$184 million , or$1.16 per diluted share, for the second quarter of 2024 and$164 million , or$1.02 per diluted share, for the third quarter of 2023. Adjusted operating income was$182 million , or$1.16 per diluted share, compared with$201 million , or$1.27 per diluted share, for the second quarter of 2024 and$164 million , or$1.02 per diluted share, for the third quarter of 2023. - New insurance written (NIW) was approximately
$14 billion , flat from the second quarter of 2024 and down6% from the third quarter of 2023 on estimated lower market share. NIW for the current quarter was comprised of95% monthly premium policies and96% purchase originations. - Primary insurance in-force was a record
$268 billion , up from$266 billion in the second quarter of 2024 and up2% from$262 billion in the third quarter of 2023. - Persistency was
83% , flat from83% in the second quarter of 2024 and modestly down from84% in the third quarter of 2023. Approximately8% of our IIF had rates at least 50 basis points above the prevailing market rate on October 31, 2024. - Net premiums earned were
$249 million , up2% from$245 million in the second quarter of 2024 and up2% from$243 million in the third quarter of 2023. Net premiums increased sequentially and year over year driven by insurance in-force growth and our growth in premiums from our expansion into attractive adjacencies primarily consisting of Enact Re’s GSE CRT participation, partially offset by higher ceded premiums. - Losses incurred for the third quarter of 2024 were
$12 million and the loss ratio was5% , compared to$(17) million and (7)%, respectively, in the second quarter of 2024 and$18 million and7% , respectively, in the third quarter of 2023. The sequential increase in losses and the loss ratio were primarily driven by seasonally higher new delinquencies and a lower reserve release of$65 million from favorable cure performance and loss mitigation activities in the current quarter. The$65 million reserve release compares to a reserve release of$77 million and$55 million in the second quarter of 2024 and third quarter of 2023, respectively. The decrease year-over-year was primarily driven by the higher reserve release in the current quarter. - Operating expenses in the current quarter were
$56 million and the expense ratio was22% . This compared to$56 million and23% , respectively, in the second quarter of 2024 and$55 million and23% , respectively in the third quarter of 2023. The third quarter and second quarter of 2024 reflect expense actions taken that resulted in nonrecurring expenses of$1 million and$3 million , respectively. When adjusted for these one-time charges, expenses modestly increased sequentially primarily driven by variable incentive compensation. - Net investment income was
$61 million , up from$60 million in the second quarter of 2024 and$55 million in the third quarter of 2023, driven by the continuation of elevated interest rates and higher average invested assets. - Net investment loss in the quarter was
$(1) million , as compared to$(8) million sequentially and$(0) million in the same period last year. - Annualized return on equity for the third quarter of 2024 was
14.7% and annualized adjusted operating return on equity was14.8% . This compares to second quarter 2024 results of15.4% and16.9% , respectively, and to third quarter 2023 results of14.9% and14.9% , respectively.
Capital and Liquidity
- As previously announced, we paid a
$29 million , or$0.18 5 per share, dividend in the current quarter. - Enact Holdings, Inc. held
$151 million of cash and cash equivalents plus$292 million of invested assets as of September 30, 2024. Combined cash and invested assets decreased$83 million from the prior quarter, primarily due to share buybacks and our quarterly dividend. - PMIERs sufficiency was
173% and$2.2 billion above the PMIERs requirements, compared to169% and$2.1 billion above the PMIERs requirements in the second quarter of 2024. - S&P Global Ratings has assigned an A- rating to Enact Re, Ltd. (Enact Re), a subsidiary of Enact Mortgage Insurance Company (EMICO). The outlook for the ratings is stable.
Recent Events
- We repurchased approximately 2.1 million shares at an average price of
$34.04 for a total of approximately$71 million in the quarter. Additionally, through October 31, 2024, we repurchased 0.8 million shares at an average price of$35.89 for a total of$30 million and there remains approximately$137 million of our$250 million repurchase authorization. - We announced today that the Board of Directors declared a quarterly dividend of
$0.18 5 per common share, payable on December 5, 2024, to shareholders of record on November 18, 2024. - We anticipate full year capital return at the higher end of our previously announced range of between
$300 and$350 million , the final amount and form of capital returned to shareholders will ultimately depend on business performance, market conditions, and regulatory approvals.
Conference Call and Financial Supplement Information
This press release, the third quarter 2024 financial supplement and earnings presentation are now posted on the Company’s website, https://ir.enactmi.com. Investors are encouraged to review these materials.
Enact will discuss third quarter financial results in a conference call tomorrow, Thursday, November 7, 2024, at 8:00 a.m. (Eastern). Participants interested in joining the call’s live question and answer session are required to pre-register by clicking here to obtain your dial-in number and unique PIN. It is recommended to join at least 15 minutes in advance, although you may register ahead of the call and dial in at any time during the call. If you wish to join the call but do not plan to ask questions, a live webcast of the event will be available on our website, https://ir.enactmi.com/news-and-events/events.
The webcast will also be archived on the Company’s website for one year.
About Enact
Enact (Nasdaq: ACT), operating principally through its wholly-owned subsidiary Enact Mortgage Insurance Corporation since 1981, is a leading U.S. private mortgage insurance provider committed to helping more people achieve the dream of homeownership. Building on a deep understanding of lenders' businesses and a legacy of financial strength, we partner with lenders to bring best-in class service, leading underwriting expertise, and extensive risk and capital management to the mortgage process, helping to put more people in homes and keep them there. By empowering customers and their borrowers, Enact seeks to positively impact the lives of those in the communities in which it serves in a sustainable way. Enact is headquartered in Raleigh, North Carolina.
Safe Harbor Statement
This communication contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may address, among other things, our expected financial and operational results, the related assumptions underlying our expected results, guidance concerning the future return of capital and the quotations of management. These forward-looking statements are distinguished by use of words such as “will,” “may,” “would,” “anticipate,” “expect,” “believe,” “designed,” “plan,” “predict,” “project,” “target,” “could,” “should,” or “intend,” the negative of these terms, and similar references to future periods. These views involve risks and uncertainties that are difficult to predict and, accordingly, our actual results may differ materially from the results discussed in our forward-looking statements. Our forward-looking statements contained herein speak only as of the date of this press release. Factors or events that we cannot predict, including risks related to an economic downturn or a recession in the United States and in other countries around the world; changes in political, business, regulatory, and economic conditions; changes in or to Fannie Mae and Freddie Mac (the “GSEs”), whether through Federal legislation, restructurings or a shift in business practices; failure to continue to meet the mortgage insurer eligibility requirements of the GSEs; competition for customers; lenders or investors seeking alternatives to private mortgage insurance; an increase in the number of loans insured through Federal government mortgage insurance programs, including those offered by the Federal Housing Administration; and other factors described in the risk factors contained in our 2023 Annual Report on Form 10-K and other filings with the SEC, may cause our actual results to differ from those expressed in forward-looking statements. Although Enact believes the expectations reflected in such forward-looking statements are based on reasonable assumptions, Enact can give no assurance that its expectations will be achieved and it undertakes no obligation to update publicly any forward-looking statements as a result of new information, future events, or otherwise, except as required by applicable law.
GAAP/Non-GAAP Disclosure Discussion
This communication includes the non-GAAP financial measures entitled “adjusted operating income (loss)”, “adjusted operating income (loss) per share," and “adjusted operating return on equity." Adjusted operating income (loss) per share is derived from adjusted operating income (loss). The chief operating decision maker evaluates performance and allocates resources on the basis of adjusted operating income (loss). Enact Holdings, Inc. (the “Company”) defines adjusted operating income (loss) as net income (loss) excluding the after-tax effects of net investment gains (losses), restructuring costs and infrequent or unusual non-operating items, and gain (loss) on the extinguishment of debt. The Company excludes net investment gains (losses), gains (losses) on the extinguishment of debt and infrequent or unusual non-operating items because the Company does not consider them to be related to the operating performance of the Company and other activities. The recognition of realized investment gains or losses can vary significantly across periods as the activity is highly discretionary based on the timing of individual securities sales due to such factors as market opportunities or exposure management. Trends in the profitability of our fundamental operating activities can be more clearly identified without the fluctuations of these realized gains and losses. We do not view them to be indicative of our fundamental operating activities. Therefore, these items are excluded from our calculation of adjusted operating income. In addition, adjusted operating income (loss) per share is derived from adjusted operating income (loss) divided by shares outstanding. Adjusted operating return on equity is calculated as annualized adjusted operating income for the period indicated divided by the average of current period and prior periods’ ending total stockholders’ equity.
While some of these items may be significant components of net income (loss) in accordance with U.S. GAAP, the Company believes that adjusted operating income (loss) and measures that are derived from or incorporate adjusted operating income (loss), including adjusted operating income (loss) per share on a basic and diluted basis and adjusted operating return on equity, are appropriate measures that are useful to investors because they identify the income (loss) attributable to the ongoing operations of the business. Management also uses adjusted operating income (loss) as a basis for determining awards and compensation for senior management and to evaluate performance on a basis comparable to that used by analysts. Adjusted operating income (loss) and adjusted operating income (loss) per share on a basic and diluted basis are not substitutes for net income (loss) available to Enact Holdings, Inc.’s common stockholders or net income (loss) available to Enact Holdings, Inc.’s common stockholders per share on a basic and diluted basis determined in accordance with U.S. GAAP. In addition, the Company’s definition of adjusted operating income (loss) may differ from the definitions used by other companies.
Adjustments to reconcile net income (loss) available to Enact Holdings, Inc.’s common stockholders to adjusted operating income (loss) assume a
The tables at the end of this press release provide a reconciliation of net income (loss) to adjusted operating income (loss) and U.S. GAAP return on equity to adjusted operating return on equity for the three months ended September 30, 2024 and 2023, as well as for the three months ended June 30, 2024.
Exhibit A: Consolidated Statements of Income (amounts in thousands, except per share amounts)
| 3Q24 | 2Q24 | 3Q23 | |||||||
| REVENUES: | |||||||||
| Premiums | $ | 249,055 | $ | 244,567 | $ | 243,346 | |||
| Net investment income | 61,056 | 59,773 | 54,952 | ||||||
| Net investment gains (losses) | (1,243 | ) | (7,713 | ) | (23 | ) | |||
| Other income | 720 | 2,207 | 760 | ||||||
| Total revenues | 309,588 | 298,834 | 299,035 | ||||||
| LOSSES AND EXPENSES: | |||||||||
| Losses incurred | 12,164 | (16,821 | ) | 17,847 | |||||
| Acquisition and operating expenses, net of deferrals | 53,091 | 53,960 | 52,339 | ||||||
| Amortization of deferred acquisition costs and intangibles | 2,586 | 2,292 | 2,803 | ||||||
| Interest expense | 12,290 | 13,644 | 12,941 | ||||||
| Loss on debt extinguishment | 0 | 10,930 | 0 | ||||||
| Total losses and expenses | 80,131 | 64,005 | 85,930 | ||||||
| INCOME BEFORE INCOME TAXES | 229,457 | 234,829 | 213,105 | ||||||
| Provision for income taxes | 48,788 | 51,156 | 48,910 | ||||||
| NET INCOME | $ | 180,669 | $ | 183,673 | $ | 164,195 | |||
| Net investment (gains) losses | 1,243 | 7,713 | 23 | ||||||
| Costs associated with reorganization | 848 | 3,435 | 3 | ||||||
| Loss on debt extinguishment | 0 | 10,930 | 0 | ||||||
| Taxes on adjustments | (439 | ) | (4,636 | ) | (5 | ) | |||
| Adjusted Operating Income | $ | 182,321 | $ | 201,115 | $ | 164,216 | |||
| Loss ratio (1) | 5 | % | (7) % | 7 | % | ||||
| Expense ratio (2) | 22 | % | 23 | % | 23 | % | |||
| Earnings Per Share Data: | |||||||||
| Net Income per share | |||||||||
| Basic | $ | 1.16 | $ | 1.17 | $ | 1.03 | |||
| Diluted | $ | 1.15 | $ | 1.16 | $ | 1.02 | |||
| Adj operating income per share | |||||||||
| Basic | $ | 1.17 | $ | 1.28 | $ | 1.03 | |||
| Diluted | $ | 1.16 | $ | 1.27 | $ | 1.02 | |||
| Weighted-average common shares outstanding | |||||||||
| Basic | 155,561 | 157,193 | 160,066 | ||||||
| Diluted | 157,016 | 158,571 | 161,146 | ||||||
| (1) The ratio of losses incurred to net earned premiums. | |||||||||
| (2) The ratio of acquisition and operating expenses, net of deferrals, and amortization of deferred acquisition costs and intangibles to net earned premiums. Expenses associated with strategic transaction preparations and restructuring costs increased the expense ratio by zero percentage points for the three-month period ended September 30, 2024, 1 percentage point for the three-month period ended June 30, 2024, and zero percentage points for the three-month period ended September 30, 2023. | |||||||||
Exhibit B: Consolidated Balance Sheets (amounts in thousands, except per share amounts)
| Assets | 3Q24 | 2Q24 | 3Q23 | ||||||
| Investments: | |||||||||
| Fixed maturity securities available-for-sale, at fair value | $ | 5,652,399 | $ | 5,331,345 | $ | 4,990,692 | |||
| Short term investments | 1,550 | 12,313 | 18,173 | ||||||
| Total investments | 5,653,949 | 5,343,658 | 5,008,865 | ||||||
| Cash and cash equivalents | 673,363 | 699,035 | 677,990 | ||||||
| Accrued investment income | 45,954 | 45,317 | 42,051 | ||||||
| Deferred acquisition costs | 24,160 | 24,619 | 25,572 | ||||||
| Premiums receivable | 48,834 | 48,698 | 44,310 | ||||||
| Other assets | 100,723 | 98,929 | 82,196 | ||||||
| Deferred tax asset | 50,063 | 89,116 | 119,704 | ||||||
| Total assets | $ | 6,597,046 | $ | 6,349,372 | $ | 6,000,688 | |||
| Liabilities and Shareholders' Equity | |||||||||
| Liabilities: | |||||||||
| Loss reserves | $ | 510,401 | $ | 508,138 | $ | 501,093 | |||
| Unearned premiums | 121,382 | 129,870 | 161,580 | ||||||
| Other liabilities | 186,312 | 143,167 | 136,057 | ||||||
| Long-term borrowings | 742,706 | 742,368 | 744,752 | ||||||
| Total liabilities | 1,560,801 | 1,523,543 | 1,543,482 | ||||||
| Equity: | |||||||||
| Common stock | 1,544 | 1,561 | 1,600 | ||||||
| Additional paid-in capital | 2,145,518 | 2,220,903 | 2,322,622 | ||||||
| Accumulated other comprehensive income | (101,984 | ) | (236,305 | ) | (400,349 | ) | |||
| Retained earnings | 2,991,167 | 2,839,670 | 2,533,333 | ||||||
| Total equity | 5,036,245 | 4,825,829 | 4,457,206 | ||||||
| Total liabilities and equity | $ | 6,597,046 | $ | 6,349,372 | $ | 6,000,688 | |||
| Book value per share | $ | 32.61 | $ | 30.91 | $ | 27.86 | |||
| Book value per share excluding AOCI | $ | 33.27 | $ | 32.43 | $ | 30.36 | |||
| U.S. GAAP ROE (1) | 14.7 | % | 15.4 | % | 14.9 | % | |||
| Net investment (gains) losses | 0.1 | % | 0.6 | % | 0.0 | % | |||
| Costs associated with reorganization | 0.1 | % | 0.3 | % | 0.0 | % | |||
| (Gains) losses on early extinguishment of debt | 0.0 | % | 0.9 | % | 0.0 | % | |||
| Taxes on adjustments | 0.0 | % | (0.4) % | 0.0 | % | ||||
| Adjusted Operating ROE(2) | 14.8 | % | 16.9 | % | 14.9 | % | |||
| Debt to Capital Ratio | 13 | % | 13 | % | 14 | % | |||
| (1) Calculated as annualized net income for the period indicated divided by the average of current period and prior periods’ ending total stockholders’ equity | |||||||||
| (2) Calculated as annualized adjusted operating income for the period indicated divided by the average of current period and prior periods’ ending total stockholders’ equity | |||||||||
FAQ
What was Enact Holdings (ACT) earnings per share in Q3 2024?
How much was Enact Holdings (ACT) quarterly dividend in Q3 2024?
What was Enact Holdings (ACT) Primary insurance in-force in Q3 2024?
