vvincii we show the working

← Enact Holdings

The business behind the dividend

MeasureACTMedianFormula
Return on equity12.6%11.7%Net income ÷ shareholders’ equity
Return on capital employed14.1%10.1%Operating income ÷ (equity + total debt)
Owner earningsNet income + depreciation & amortisation − capital expenditure
Free cash flowOperating cash flow − capital expenditure
Operating margin69.5%15.0%Operating income ÷ revenue
Net margin54.6%10.2%Net income ÷ revenue
Debt to equity0.14x0.79xTotal debt ÷ shareholders’ equity
Interest coverOperating income ÷ interest expense
Current ratioCurrent assets ÷ current liabilities
Long-term debt to working capitalLong-term debt ÷ (current assets − current liabilities)
Cash conversionOperating cash flow ÷ net income

Not computed here: Cash conversion, Current ratio, Free cash flow, Interest cover, Owner earnings — why a blank is not a zero.

Ten years of it

The same measures, for every year the filings support. One year is a fact; a row is a business.

Measure2025202420232022202120202019Median
Return on equity12.6%13.8%14.4%17.2%13.3%9.5%17.7%13.8%
Return on capital employed14.1%15.3%15.8%18.5%14.3%10.2%14.3%
Operating margin69.5%73.1%73.8%82.0%62.2%42.7%69.5%
Net margin54.6%57.3%57.7%64.3%48.9%33.5%69.2%57.3%
Debt to equity0.14x0.15x0.16x0.18x0.18x0.19x0.16x