Essent Group (ESNT)

• Essent Group Ltd. reported Net Income of $155.0 million and an annualized Return on Equity (ROE) of 10.8% for Q4 2025. For the full year 2025, Net Income was $690.0 million.
• The Board approved an increase in the quarterly dividend to $0.35 per common share, payable in Q1 2026. Additionally, the company repurchased 9.9 million common shares for $576 million during 2025.
• As of December 31, 2025, 98% of the Insurance In Force (IIF) is subject to reinsurance protection , and the company entered into a quota share reinsurance agreement in Q4 2025 covering 20% of eligible new insurance written in 2027.
• The company maintained a strong financial position with $5.8 billion in GAAP Equity and $1.3 billion in cash and investments available for sale at the holding companies as of December 31, 2025.

• Essent Group reported net income of $155 million or $1.60 per diluted share for Q4 2025, and $690 million or $6.90 per diluted share for the full year, achieving a 12% return on average equity.
• As of December 31, 2025, the company's book value per share increased 13% to $60.31, and mortgage insurance in force grew 2% to $248 billion.
• Essent Group returned nearly $700 million to shareholders in 2025 through dividends and repurchases, including repurchasing nearly 10% of shares outstanding. The Board also approved a 13% increase in the quarterly dividend to $0.35 per share, starting in Q1 2026.
• Essent Re expanded its operations by entering quota share reinsurance agreements for property and casualty risks, effective Q1 2026, with an expectation of $100 million-$150 million in written premium for 2026.

• Essent Group reported net income of $155 million or $1.60 per diluted share for Q4 2025 and $690 million or $6.90 per diluted share for the full year 2025, achieving a 12% return on average equity and a 13% increase in book value per share to $60.31 as of December 31, 2025.
• The company announced a 13% increase in its quarterly dividend to $0.35 per share starting Q1 2026 and returned nearly $700 million to shareholders in 2025 through dividends and repurchases, including repurchasing nearly 10% of shares outstanding.
• Mortgage insurance in force increased 1.9% to $248.4 billion at December 31, 2025, but management anticipates modest growth in earned premium and insurance in force in the near term due to higher mortgage rates and a smaller origination market.
• Essent Re expanded into the Lloyd's market for property and casualty (P&C) risks, expecting $100 million-$150 million of written premium in 2026, with approximately two-thirds to be earned in 2026, and this new reinsurance segment is now reported separately.

• Essent Group reported Q4 2025 net income of $155 million or $1.60 per diluted share, and full-year 2025 net income of $690 million or $6.90 per diluted share, achieving a 12% return on average equity.
• The company's mortgage insurance in force grew 2% to $248 billion as of December 31, 2025, with 12-month persistency at 86%. The mortgage insurance portfolio's default rate increased modestly to 2.5% at year-end.
• Essent Group returned nearly $700 million to shareholders in 2025, including repurchasing approximately 10% of shares outstanding. The board approved a 13% increase in the quarterly dividend to $0.35 per share starting Q1 2026.
• Essent Re expanded into the Lloyd's market for property and casualty (P&C) risks, projecting $100 million-$150 million of written premium for 2026.
• For 2026, the company anticipates the average base premium rate for mortgage insurance to be approximately 40 basis points and mortgage insurance operating expenses around $145 million.

• Essent Group Ltd. reported net income of $155.0 million or $1.60 per diluted share for the fourth quarter ended December 31, 2025, and $690.0 million or $6.90 per diluted share for the full year 2025.
• The company's Board of Directors increased its quarterly cash dividend to $0.35 per common share, payable on March 23, 2026, to shareholders of record on March 13, 2026.
• In 2025, Essent returned nearly $700 million to shareholders through dividends and repurchases, retiring approximately 10% of its outstanding shares by repurchasing 9.9 million common shares for $576 million.
• Essent Group Ltd. established a new Reinsurance segment, with Essent Re entering quota share agreements for property and casualty risks effective in the first quarter of 2026, and Essent Guaranty entering a quota share reinsurance agreement covering 20% of eligible policies written in 2027.

• Essent Group Ltd. reported net income of $155.0 million or $1.60 per diluted share for the fourth quarter ended December 31, 2025, and $690.0 million or $6.90 per diluted share for the full year 2025.
• The company's Board of Directors declared a quarterly cash dividend of $0.35 per common share, payable on March 23, 2026, to shareholders of record on March 13, 2026.
• In 2025, Essent returned nearly $700 million to shareholders through dividends and repurchases, retiring 9.9 million common shares for $576 million, which represents nearly 10% of its outstanding shares.
• Mortgage Insurance new insurance written for the fourth quarter of 2025 was $11.8 billion, and Mortgage Insurance in force as of December 31, 2025, was $248.4 billion.
• Essent Guaranty entered a quota share reinsurance agreement covering 20% of eligible policies written in 2027, and all third-party reinsurance written by Essent Re is now reported as a new Reinsurance segment.

• 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.