Enact Holdings Reports Material Agreements & Obligations

TL;DR

Enact Holdings filed an 8-K on 9/30/25 about new and terminated deals, plus new financial obligations.

AI Summary

On September 30, 2025, Enact Holdings, Inc. filed an 8-K report detailing the entry into and termination of material definitive agreements. The company also reported the creation of direct financial obligations or off-balance sheet arrangements. Specific details regarding the nature of these agreements and obligations were not provided in the excerpt.

Why It Matters

This filing indicates significant changes in Enact Holdings' contractual and financial commitments, which could impact its future financial performance and operational structure.

Risk Assessment

Risk Level: medium — The filing involves material definitive agreements and financial obligations, which inherently carry risk and require further investigation into their specifics.

Key Players & Entities

• Enact Holdings, Inc. (company) — Registrant
• September 30, 2025 (date) — Date of earliest event reported
• Delaware (jurisdiction) — State of incorporation
• 46-1579166 (identifier) — IRS Employer Identification No.
• 8325 Six Forks Road Raleigh , North Carolina 27615 (address) — Registrant's principal executive offices
• Genworth Mortgage Holdings, Inc. (company) — Former company name
• 20200902 (date) — Date of former company name change

FAQ

Key Financial Figures

• $0.01 — ich registered Common stock, par value $0.01 per share ACT The Nasdaq Stock Market
• $435 million — e initial aggregate principal amount of $435 million (the "Revolving Facility"), including a
• $217.5 million — (the "Revolving Facility"), including a $217.5 million accordion. The Revolving Facility remai
• $3,729,000,000 — at any time be less than the sum of (i) $3,729,000,000, (ii) 50% of cumulative consolidated ne
• $200 million — edit facility in the original amount of $200 million. The 2022 Revolving Facility was termin

Filing Documents

• act-20250930.htm (8-K) — 40KB
• a2025creditagreement.htm (EX-10.1) — 882KB
• 0001823529-25-000219.txt ( ) — 1180KB
• act-20250930.xsd (EX-101.SCH) — 2KB
• act-20250930_lab.xml (EX-101.LAB) — 21KB
• act-20250930_pre.xml (EX-101.PRE) — 12KB
• act-20250930_htm.xml (XML) — 3KB

01 Entry into a Material Definitive Agreement

Item 1.01 Entry into a Material Definitive Agreement. On September 30, 2025 (the "Closing Date"), Enact Holdings, Inc. (the "Corporation") entered into a Credit Agreement together with each lender party thereto (collectively, the "Lenders"), and JPMorgan Chase Bank, N.A., as Administrative Agent (the "Agent"). The Credit Agreement provides for a revolving credit facility in the initial aggregate principal amount of $435 million (the "Revolving Facility"), including a $217.5 million accordion. The Revolving Facility remained undrawn as of the Closing Date. The Revolving Facility replaces the Corporation's prior revolving credit facility, dated June 30, 2022, by and among JPMorgan Chase Bank, N.A., as administrative agent, and the issuing banks and lenders party thereto (hereinafter "2022 Revolving Facility" as defined in Item 1.02 below), as amended. A summary of the other material terms of the Credit Agreement are set forth below. Interest Rate and Fees Borrowings under the Revolving Facility bear interest at a per annum rate equal to, at the option of the Corporation, either (a) (i) Term SOFR plus (ii) 0.10% plus (iii) an applicable margin based on the Corporation's Senior Unsecured Rating (as defined in the Credit Agreement) and (b) (i) the ABR (as defined in the Credit Agreement) rate plus (ii) an applicable margin based on the Corporation's Senior Unsecured Rating ; provided that if Adjusted Term SOFR Rate or ABR as so determined would be less than the Floor (as defined in the Credit Agreement), such rate shall be deemed to be equal to the Floor for the purposes of Credit Agreement. The Corporation is required to pay a commitment fee to the Lenders under the Revolving Facility in respect of any unutilized commitments thereunder. The commitment fee is based on the Corporation's Senior Unsecured Rating. Based on the Corporation's current Senior Unsecured Rating, the commitment fee is 0.175%. Maturity The Revolving Facility matures on the five-year

02 Termination of a Material Definitive Agreement

Item 1.02 Termination of a Material Definitive Agreement. On September 30, 2025, the Corporation terminated its 2022 Revolving Facility dated as of June 30, 2022, among the Corporation, as Borrower, JPMorgan Chase Bank, N.A., as administrative agent, and the issuing banks and lenders party thereto (as amended), which established a revolving credit facility in the original amount of $200 million. The 2022 Revolving Facility was terminated in connection with the entry into the Revolving Facility described in Item 1.01 above.

03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information contained in Item 1.01 of this Current Report on Form 8-K concerning the Credit Agreement is incorporated by reference into this Item 2.03.

Financial Statements and Exhibits

Financial Statements and Exhibits. The following materials are exhibits to this Current Report on Form 8-K: Exhibit Number Description of Exhibit 10.1* Credit Agreement, dated September 30, 2025, among Enact Holdings, JPMorgan Chase Bank, N.A., as administrative agent, and the other lenders and agents party thereto. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document) * Pursuant to Item 601(a)(5) of Regulation S-K, schedules and similar attachments to this exhibit have been omitted because they do not contain information material to an investment or voting decision and such information is not otherwise disclosed in such exhibit. The Corporation will supplementally provide a copy of any omitted schedule or similar attachment to the U.S. Securities and Exchange Commission or its staff upon request. 3

SIGNATURES

SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Enact Holdings, Inc. By: /s/ Hardin Dean Mitchell Name: Hardin Dean Mitchell Title: Executive Vice President, Chief Financial Officer and Treasurer Dated: October 1, 2025 4

View Full Filing

View this 8-K filing on SEC EDGAR