<p>Enact Holdings Inc（ACT）最近召开了第三季度财报电话会议。以下是会议的主要亮点。</p>
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<p>Enact Holdings Inc.最近召开了财报电话会议，透露了一个强劲的季度，资本回报预期上升、新的信贷设施以及积极的评级升级。尽管面临逾期增加和每股调整后营业收入略有下降等挑战，但公司的整体业务表现和战略举措表明前景大体向好。</p>
<h2>资本回报预期上升</h2>
<p>Enact 将其 2025 年的资本回报预期提高至约 5 亿美元，高于之前的 4 亿美元指导。这一增长反映了公司强劲的业务表现和对未来前景的信心。</p>
<h2>新的信贷设施</h2>
<p>公司已签署一项新的 4.35 亿美元循环信贷设施，条款优惠。这一举措为 Enact 提供了额外的财务灵活性，支持其战略举措和增长计划。</p>
<h2>积极的评级升级</h2>
<p>穆迪将 Enact 的评级从 A3 上调至 A2，将 Enact Holdings 的评级从 Baa3 上调至 Baa2。此外，A.M. Best 将展望调整为积极，强调了公司强大的财务状况和未来增长潜力。</p>
<h2>强劲的保险指标</h2>
<p>Enact 报告的调整后营业收入为 1.66 亿美元，股本回报率为 13%。在保单有效保险方面，同比增长 2%，达到 2720 亿美元，表明业务健康状况良好。</p>
<h2>有效的成本管理</h2>
<p>尽管面临通货膨胀压力，Enact 仍设法减少了年度费用，并对 2025 年剩余时间的预期有所改善。这反映了公司对保持运营效率的承诺。</p>
<h2>逾期增加</h2>
<p>财报电话会议指出，总逾期率环比上升 6%，新逾期上升 12%，治愈率下降 1%。这些变化与季节性趋势一致，公司正在密切监控这些情况。</p>
<h2>每股调整后营业收入下降</h2>
<p>每股稀释后调整营业收入从去年的 1.16 美元下降至 1.12 美元，较上一季度的 1.15 美元也有所下降。这一轻微下降是公司在继续优化财务表现时关注的一个领域。</p>
<h2>净保费持平</h2>
<p>总净保费收入环比持平，因更高的转保费而同比略有下降。这一保费的稳定反映了公司有效管理其投资组合的努力。</p>
<h2>前瞻性指导</h2>
<p>Enact 更新的 2025 年指导反映了强劲的表现和战略执行。公司将资本回报预期提高至 5 亿美元，强调其强大的业务健康状况。调整后营业收入为 1.66 亿美元，股本回报率为 13%，Enact 在未来增长方面处于良好位置。公司还强调其 PMIERs 充足率为 162%，确保了显著的财务灵活性。尽管面临宏观经济挑战，Enact 仍致力于创造长期股东价值并抓住增长机会。</p>
<p>总之，Enact Holdings Inc.的财报电话会议描绘了一家财务健康和战略前瞻性的公司。尽管存在逾期增加和每股营业收入轻微下降等挑战，但整体情绪积极，资本回报预期上升和新的信贷设施增强了对未来增长的信心。</p>

<p>Enact Holdings Inc. 发布了强劲的第三季度财报电话会议，强调资本回报预期提高至 5 亿美元，新的 4.35 亿美元信贷额度，以及来自穆迪和 A.M. Best 的积极评级升级。尽管逾期率上升了 6%，调整后的每股营业收入略微下降至 1.12 美元，但公司展现了强健的财务健康，调整后的营业收入为 1.66 亿美元，股本回报率为 13%。Enact 对未来的增长和股东价值创造保持乐观</p>

<p>Enact Holdings Inc ((ACT)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Enact Holdings Inc（ACT）最近召开了第三季度财报电话会议。以下是会议的主要亮点。</p>
</div><h3>Meet Your ETF AI Analyst</h3>
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<li>Explore ETFs TipRanks' users love and see what insights the <strong><em>ETF</em> AI Analyst</strong> reveals about the ones you follow.</li>
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<div class="lb-trans"><ul>
<li>了解 TipRanks 的_ETF_ AI 分析师如何帮助您做出更明智的投资决策</li>
<li>探索 TipRanks 用户喜爱的 ETF，并查看 <strong><em>ETF</em> AI 分析师</strong> 对您关注的 ETF 所揭示的见解。</li>
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</div><p>Enact Holdings Inc. recently held its earnings call, revealing a strong quarter characterized by increased capital return expectations, a new credit facility, and positive ratings upgrades. Despite facing challenges such as increased delinquencies and a slight decline in adjusted operating income per share, the company’s overall business performance and strategic initiatives suggest a largely positive outlook.</p>
<div class="lb-trans"><p>Enact Holdings Inc.最近召开了财报电话会议，透露了一个强劲的季度，资本回报预期上升、新的信贷设施以及积极的评级升级。尽管面临逾期增加和每股调整后营业收入略有下降等挑战，但公司的整体业务表现和战略举措表明前景大体向好。</p>
</div><h2>Increased Capital Return Expectation</h2>
<div class="lb-trans"><h2>资本回报预期上升</h2>
</div><p>Enact has raised its 2025 capital return expectation to approximately $500 million, up from prior guidance of $400 million. This increase reflects the company’s strong business performance and confidence in its future prospects.</p>
<div class="lb-trans"><p>Enact 将其 2025 年的资本回报预期提高至约 5 亿美元，高于之前的 4 亿美元指导。这一增长反映了公司强劲的业务表现和对未来前景的信心。</p>
</div><h2>New Credit Facility</h2>
<div class="lb-trans"><h2>新的信贷设施</h2>
</div><p>The company has entered a new $435 million revolving credit facility with favorable terms. This move provides Enact with additional financial flexibility, supporting its strategic initiatives and growth plans.</p>
<div class="lb-trans"><p>公司已签署一项新的 4.35 亿美元循环信贷设施，条款优惠。这一举措为 Enact 提供了额外的财务灵活性，支持其战略举措和增长计划。</p>
</div><h2>Positive Ratings Upgrade</h2>
<div class="lb-trans"><h2>积极的评级升级</h2>
</div><p>Moody’s upgraded Enact’s rating to A2 from A3, and Enact Holdings’ ratings to Baa2 from Baa3. Additionally, A.M. Best moved the outlook to positive, highlighting the company’s strong financial position and potential for future growth.</p>
<div class="lb-trans"><p>穆迪将 Enact 的评级从 A3 上调至 A2，将 Enact Holdings 的评级从 Baa3 上调至 Baa2。此外，A.M. Best 将展望调整为积极，强调了公司强大的财务状况和未来增长潜力。</p>
</div><h2>Strong Insurance Metrics</h2>
<div class="lb-trans"><h2>强劲的保险指标</h2>
</div><p>Enact reported an adjusted operating income of $166 million, with a 13% return on equity. The insurance in-force increased by 2% year-over-year to $272 billion, indicating robust business health.</p>
<div class="lb-trans"><p>Enact 报告的调整后营业收入为 1.66 亿美元，股本回报率为 13%。在保单有效保险方面，同比增长 2%，达到 2720 亿美元，表明业务健康状况良好。</p>
</div><h2>Effective Cost Management</h2>
<div class="lb-trans"><h2>有效的成本管理</h2>
</div><p>Despite inflationary pressures, Enact managed to reduce expenses year-over-year, with improved expectations for the remainder of 2025. This reflects the company’s commitment to maintaining operational efficiency.</p>
<div class="lb-trans"><p>尽管面临通货膨胀压力，Enact 仍设法减少了年度费用，并对 2025 年剩余时间的预期有所改善。这反映了公司对保持运营效率的承诺。</p>
</div><h2>Delinquency Increase</h2>
<div class="lb-trans"><h2>逾期增加</h2>
</div><p>The earnings call noted a 6% sequential rise in total delinquencies, with new delinquencies up 12% and cures down 1%. These changes are consistent with seasonal trends and are being closely monitored by the company.</p>
<div class="lb-trans"><p>财报电话会议指出，总逾期率环比上升 6%，新逾期上升 12%，治愈率下降 1%。这些变化与季节性趋势一致，公司正在密切监控这些情况。</p>
</div><h2>Decline in Adjusted Operating Income Per Share</h2>
<div class="lb-trans"><h2>每股调整后营业收入下降</h2>
</div><p>Adjusted operating income per diluted share decreased to $1.12 from $1.16 year-over-year and from $1.15 in the previous quarter. This slight decline is an area of focus for the company as it continues to optimize its financial performance.</p>
<div class="lb-trans"><p>每股稀释后调整营业收入从去年的 1.16 美元下降至 1.12 美元，较上一季度的 1.15 美元也有所下降。这一轻微下降是公司在继续优化财务表现时关注的一个领域。</p>
</div><h2>Flat Net Premiums</h2>
<div class="lb-trans"><h2>净保费持平</h2>
</div><p>Total net premiums earned remained flat sequentially and were down modestly year-over-year due to higher ceded premiums. This stability in premiums reflects the company’s efforts to manage its portfolio effectively.</p>
<div class="lb-trans"><p>总净保费收入环比持平，因更高的转保费而同比略有下降。这一保费的稳定反映了公司有效管理其投资组合的努力。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指导</h2>
</div><p>Enact’s updated guidance for 2025 reflects strong performance and strategic execution. The company increased its capital return expectation to $500 million, underscoring its robust business health. With an adjusted operating income of $166 million and a 13% return on equity, Enact is well-positioned for future growth. The company also highlighted its PMIERs sufficiency ratio of 162%, ensuring significant financial flexibility. Despite macroeconomic challenges, Enact remains committed to creating long-term shareholder value and capitalizing on growth opportunities.</p>
<div class="lb-trans"><p>Enact 更新的 2025 年指导反映了强劲的表现和战略执行。公司将资本回报预期提高至 5 亿美元，强调其强大的业务健康状况。调整后营业收入为 1.66 亿美元，股本回报率为 13%，Enact 在未来增长方面处于良好位置。公司还强调其 PMIERs 充足率为 162%，确保了显著的财务灵活性。尽管面临宏观经济挑战，Enact 仍致力于创造长期股东价值并抓住增长机会。</p>
</div><p>In summary, Enact Holdings Inc.’s earnings call paints a picture of a company with strong financial health and strategic foresight. While challenges such as increased delinquencies and a slight decline in operating income per share exist, the overall sentiment is positive, with increased capital return expectations and a new credit facility bolstering confidence in future growth.</p>
<div class="lb-trans"><p>总之，Enact Holdings Inc.的财报电话会议描绘了一家财务健康和战略前瞻性的公司。尽管存在逾期增加和每股营业收入轻微下降等挑战，但整体情绪积极，资本回报预期上升和新的信贷设施增强了对未来增长的信心。</p>
</div>

Enact Holdings Inc. 报告了一个强劲的季度，并对未来持积极展望