Enact Holdings, Inc. (ACT) insider reports dividend-linked RSU awards

Rhea-AI Filing Summary

Enact Holdings, Inc. reported that one of its officers, serving as Controller, acquired additional restricted stock units (RSUs) tied to existing equity awards. The RSUs were credited on December 11, 2025 under dividend reinvestment terms connected to a quarterly cash dividend of $0.21 per share.

Each restricted stock unit is structured to settle into one share of common stock on a 1:1 basis. The affected RSU awards vest and convert to common stock in three equal annual installments, with different grants beginning on February 9, 2024, February 16, 2025, April 1, 2025, February 21, 2026, and October 1, 2026. The transactions were reported as acquisitions at a $0 exercise price, reflecting their nature as stock-based compensation rather than open-market purchases.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McMullen James

(Last) (First) (Middle)

C/O ENACT HOLDINGS, INC.

8325 SIX FORKS ROAD

(Street)

RALEIGH NC 27615

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Enact Holdings, Inc. [ ACT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Controller

3. Date of Earliest Transaction (Month/Day/Year)
12/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	12/11/2025		A		6		(2)	(2)	Common Stock	6	$0(3)	967	D
Restricted Stock Units	(1)	12/11/2025		A		9		(4)	(4)	Common Stock	9	$0(3)	1,626	D
Restricted Stock Units	(1)	12/11/2025		A		7		(5)	(5)	Common Stock	7	$0(3)	1,175	D
Restricted Stock Units	(1)	12/11/2025		A		11		(6)	(6)	Common Stock	11	$0(3)	2,069	D
Restricted Stock Units	(1)	12/11/2025		A		14		(7)	(7)	Common Stock	14	$0(3)	2,613	D

Explanation of Responses:

1. Each restricted stock unit will settle into shares of Issuer common stock on a 1:1 basis.

2. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on February 9, 2024

3. Additional restricted stock units acquired pursuant to reinvestment terms in the restricted stock unit award agreement resulting from a quarterly dividend at $0.21 per share, paid on December 11, 2025.

4. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on February 16, 2025

5. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on April 1, 2025

6. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on February 21, 2026

7. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on October 1, 2026

Remarks:

	/s/ Joe Jacumin, by power of attorney	12/15/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider activity did Enact Holdings, Inc. (ACT) report in this filing?

The filing shows that an officer and Controller of Enact Holdings, Inc. acquired additional restricted stock units (RSUs) on December 11, 2025. These units were added to existing RSU awards and were not open-market stock purchases.

How do the restricted stock units reported by Enact Holdings, Inc. (ACT) convert into common stock?

Each reported restricted stock unit is designed to settle into one share of Enact Holdings common stock on a 1:1 basis, according to the explanation of responses included with the transactions.

Why were additional RSUs credited to the Enact Holdings, Inc. (ACT) officer on December 11, 2025?

The additional RSUs were acquired under the reinvestment terms of the RSU award agreements, resulting from a quarterly dividend of $0.21 per share that was paid on December 11, 2025. Instead of receiving only cash, the awards credited extra RSUs.

What are the vesting schedules for the RSUs reported by Enact Holdings, Inc. (ACT)?

The RSUs referenced in the filing vest and convert to common stock in three equal annual installments. Different grants begin vesting on February 9, 2024, February 16, 2025, April 1, 2025, February 21, 2026, and October 1, 2026.

What price was used for the RSUs reported by Enact Holdings, Inc. (ACT)?

The transactions list a $0 price for the derivative securities, reflecting that the restricted stock units were granted or accrued as equity compensation and dividend reinvestment benefits rather than purchased in the market.

Does the Enact Holdings, Inc. (ACT) filing describe non-derivative share trades?

The excerpted disclosure focuses on derivative securities, specifically restricted stock units and their underlying common stock. The detailed transactions shown are all RSU-related entries in the derivative securities table.