Enact Holdings (ACT) controller gets RSU award and uses shares for taxes

Rhea-AI Filing Summary

Enact Holdings, Inc. Controller James McMullen reported multiple equity-related transactions. On February 13, 2026, he received a grant of 1,707 Restricted Stock Units (RSUs), which, according to the terms, vest and convert into common stock in three equal annual installments beginning on February 13, 2027.

On February 17, 2026, 820 RSUs were exercised or converted into 820 shares of common stock at a price of $0.00 per share, reflecting a derivative exercise. The filing also shows a disposition of 277 shares of common stock at $43.29 per share to satisfy tax withholding obligations tied to RSUs that vested on February 16, 2026.

After these transactions, McMullen directly holds 3,315 shares of common stock and retains 1,707 RSUs from the new grant, each settling into one share of common stock on a 1:1 basis as they vest.

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

OMB APPROVAL

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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)
02/13/2026

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
Common Stock	02/17/2026		M		820	A	(1)	3,592	D
Common Stock	02/17/2026		F		277(2)	D	$43.29	3,315	D

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)	02/13/2026		A		1,707		(3)	(3)	Common Stock	1,707	$0	1,707	D
Restricted Stock Units	(1)	02/17/2026		M			820	(4)	(4)	Common Stock	820	$0	806	D

Explanation of Responses:

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

2. The Company withheld shares of common stock to satisfy the tax withholding obligation for the Reporting Person's Restricted Stock Units that vested on February 16, 2026 based on the closing price on February 13, 2026

3. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on February 13, 2027

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

Remarks:

	/s/ Joe Jacumin, by power of attorney	02/18/2026
	** 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 transactions did Enact Holdings (ACT) report for James McMullen?

Enact Holdings Controller James McMullen reported an RSU grant, an RSU conversion, and a tax-related share disposition. He received 1,707 new RSUs, converted 820 RSUs into common stock, and had 277 shares withheld to cover tax obligations related to vested RSUs.

How many Restricted Stock Units did Enact Holdings (ACT) grant to James McMullen?

James McMullen was granted 1,707 Restricted Stock Units by Enact Holdings. These RSUs vest and convert into common stock in three equal annual installments beginning on February 13, 2027, providing a multi-year equity incentive tied directly to the company’s common shares.

When do James McMullen’s new Enact Holdings (ACT) RSUs vest and convert?

The 1,707 new Restricted Stock Units for James McMullen vest in three equal annual installments starting February 13, 2027. Each vested RSU converts into one share of Enact Holdings common stock, aligning compensation with long-term shareholder outcomes over several years.

Why did Enact Holdings (ACT) withhold 277 shares from James McMullen?

Enact Holdings withheld 277 shares of common stock to satisfy James McMullen’s tax withholding obligations. These obligations arose from Restricted Stock Units that vested on February 16, 2026, with the withholding price based on the closing stock price on February 13, 2026.

How many Enact Holdings (ACT) common shares does James McMullen hold after these transactions?

Following the reported transactions, James McMullen directly holds 3,315 shares of Enact Holdings common stock. This balance reflects RSU conversions into shares and the tax-withholding share disposition completed on February 17, 2026, as disclosed in the Form 4 filing.

What does the Form 4 reveal about Enact Holdings (ACT) RSU settlement terms?

The Form 4 states each Restricted Stock Unit settles into one share of Enact Holdings common stock on a 1:1 basis. Certain RSU awards vest and convert into common stock in three equal annual installments beginning on specified February vesting dates.