Essent Group (ESNT)

• Essent reported net income of $164.2 million and an annualized return on equity of 11.5% for Q3 2025.
• On August 6, 2025, Moody's upgraded Essent Guaranty, Inc.'s insurance financial strength rating to A2 from A3 and Essent Group Ltd.'s senior unsecured debt rating to Baa2 from Baa3, with a stable outlook.
• The company's Board approved a quarterly dividend of $0.31 per common share payable in 4Q25, and Essent repurchased 8.7 million common shares for $501 million year-to-date through October 31st.
• As of September 30, 2025, Essent's U.S. Mortgage Insurance In Force (IIF) stood at $248.8 billion , with 97% of this IIF subject to reinsurance protection.
• The balance sheet remains strong with $5.7 billion in GAAP Equity and $6.5 billion in total investments , of which 99% is investment grade.

Essent Group Limited reported its third quarter 2025 financial results, highlighting strong performance and capital management.

• The company's U.S. mortgage insurance in force grew to $249 billion as of September 30, 2025, a 2% increase year-over-year, and maintained a 12-month persistency of 86%. The portfolio default rate was 2.29%.
• Essent maintains a strong capital position with $5.7 billion in GAAP equity and $1 billion in cash and investments at the holding companies as of September 30, 2025.
• The company actively returned capital to shareholders, repurchasing nearly 9 million shares for over $500 million year-to-date through October 31, 2025.
• The board approved a common dividend of $0.31 for the fourth quarter of 2025 and a new $500 million share repurchase authorization through year-end 2027.

• Essent Group Limited reported net income of $164 million and diluted earnings per share of $1.67 for the third quarter of 2025.
• The company's U.S. mortgage insurance in force grew 2% year-over-year to $249 billion as of September 30, 2025, with a 12-month persistency of 86%.
• Essent generated $854 million in operating cash flow over the last 12 months through Q3 2025 and maintained a strong capital position with a PMIERs sufficiency ratio of 177%.
• The board approved a $0.31 common dividend for the fourth quarter of 2025 and a new $500 million share repurchase authorization through year-end 2027.
• Year-to-date through October 31, 2025, the company repurchased nearly 9 million shares for over $500 million.

• Essent Group Limited reported net income of $164 million and diluted earnings per share of $1.67 for the third quarter of 2025.
• The company's U.S. Mortgage insurance in force reached $249 billion as of September 30, 2025, marking a 2% increase compared to a year ago, with a 12-month persistency of 86%.
• Essent maintains a strong financial position with $6.6 billion in consolidated cash and investments and $5.7 billion in GAAP equity as of September 30, 2025.
• The Board approved a common dividend of $0.31 for Q3 2025 and authorized a new $500 million share repurchase program valid through year-end 2027. Year-to-date through October 31, the company repurchased nearly 9 million shares for over $500 million.
• The default rate on the U.S. Mortgage insurance portfolio was 2.29% at September 30, 2025, an increase from 2.12% at June 30, 2025.

• Essent Group Ltd. reported net income of $164.2 million or $1.67 per diluted share for the quarter ended September 30, 2025, compared to $176.2 million or $1.65 per diluted share for the same period in 2024.
• The Board of Directors declared a quarterly cash dividend of $0.31 per common share, payable on December 10, 2025, to shareholders of record on December 1, 2025.
• New insurance written for Q3 2025 was $12.2 billion, while insurance in force as of September 30, 2025, grew to $248.8 billion.
• Moody's Ratings upgraded Essent Guaranty, Inc.'s insurance financial strength rating to A2 from A3 and Essent Group Ltd.'s senior unsecured debt rating to Baa2 from Baa3 on August 6, 2025, with a stable outlook.
• Year-to-date through October 31, Essent repurchased 8.7 million common shares for $501 million, and its Board approved a new $500 million share repurchase authorization through year-end 2027.

• Essent Group Ltd. reported net income of $164.2 million or $1.67 per diluted share for the quarter ended September 30, 2025.
• The Board of Directors declared a quarterly cash dividend of $0.31 per common share, payable on December 10, 2025.
• New insurance written for the third quarter of 2025 was $12.2 billion, and insurance in force as of September 30, 2025, was $248.8 billion.
• Moody's Ratings upgraded Essent Guaranty, Inc.'s insurance financial strength rating to A2 from A3 and Essent Group Ltd.'s senior unsecured debt rating to Baa2 from Baa3 on August 6, 2025.
• Year-to-date through October 31, 2025, Essent repurchased 8.7 million common shares for $501 million, and in November 2025, the Board approved a $500 million share repurchase authorization through year-end 2027.