Enact Holdings, Inc. (ACT) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.396 Hello, and thank you for standing by. Welcome to ENAC fourth quarter 2025 00:00:05.396 -- 00:00:11.182 earnings conference call. At this time, all participants are in a listen-only mode. 00:00:11.182 -- 00:00:15.766 After the speaker's presentation, there will be a question and answer session. 00:00:15.766 -- 00:00:21.131 To ask the question during the session, you will need to press star 11 on your telephone. 00:00:21.131 -- 00:00:25.355 You will then hear an automated message advising your hand is raised. 00:00:25.355 -- 00:00:29.478 To withdraw your question, please press star 11 again. 00:00:29.478 -- 00:00:32.983 I would now like to turn the call over to Daniel Cole. 00:00:32.983 -- 00:00:35.283 You may begin. 00:00:35.686 -- 00:00:40.453 Thank you and good morning. Welcome to our fourth quarter earnings call. 00:00:40.453 -- 00:00:45.459 Joining me today are Rohit Gupta, President and Chief Executive Officer, 00:00:45.459 -- 00:00:49.245 and Dean Mitchell, Chief Financial Officer and Treasurer. 00:00:49.245 -- 00:00:54.875 Rohit will provide an overview of our business performance and progress against our strategy. 00:00:54.875 -- 00:00:59.700 Dean will then discuss the details of our quarterly results before turning the call back 00:00:59.700 -- 00:01:05.205 to Rohit for closing remarks. We will then take your questions. 00:01:05.205 -- 00:01:10.431 The earnings materials we issued after market closed yesterday contain our financial 00:01:10.431 -- 00:01:15.496 results for the quarter, along with a comprehensive set of financial 00:01:15.496 -- 00:01:21.141 and operational metrics. These are available on the investor relations section 00:01:21.141 -- 00:01:23.410 of our website. 00:01:23.410 -- 00:01:29.237 Today's call is b...