Essent Group Ltd.

NYSE•ESNT

CEO: Mr. Mark Anthony Casale

Sector: Financial Services

Industry: Insurance - Specialty

Listing Date: 2013-10-31

Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services, as well as risk management products and title insurance and settlement services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was incorporated in 2008 and is based in Hamilton, Bermuda.

Contact Information

Clarendon House, 2 Church Street, Hamilton, Bermuda

441-297-9901

www.essentgroup.com

Market Cap

$5.93B

P/E (TTM)

8.6

Dividend Yield

2.0%

52W High

$67.09

52W Low

$55.22

52W Range

67%

Rank13Top 2.2%

6.8

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Strong • 6.8 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$336.07M+0.00%

4-Quarter Trend

EPS

$1.83+0.00%

4-Quarter Trend

FCF

$191.23M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Decreased Net income $690.0M, down from $729.4M in 2024 due to significantly higher loss provisions.

Mortgage Insurance Portfolio Grows Insurance in Force (IIF) reached $248.4B as of December 31, 2025, increasing from $243.6B end 2024.

Loss Provision Increased Sharply Provision for losses $149.3M in 2025, substantially higher than $81.2M recorded in the prior year.

Share Repurchase Activity High Repurchased 2.05M shares for $125.0M during Q4 2025 under active board authorizations.

Risk Factors

Competition Pressures Pricing Intense industry competition risks lower premiums and looser underwriting, negatively impacting Net Insurance Written (NIW).

Customer Concentration Risk Top ten customers drove 59.3% of 2025 NIW; loss of a significant customer critically impacts revenues.

Portfolio Maturing Increases Claims Portfolio aging suggests incurred losses and claims will increase as more policies enter peak default frequency years.

Regulatory Uncertainty Persists Ongoing GSE reform uncertainty and Basel III Endgame proposals could adversely affect business structure and demand.

Outlook

Reinsurance Segment Expansion Essent Re entered Lloyd's of London market in Q4 2025; third-party reinsurance now a separate segment in 2026.

Technology Investment Continues Ongoing upgrades focus on web-based ordering systems and enhanced underwriting productivity tools for efficiency.

Capital Allocation Focus Board approved additional $1.0B share repurchase capacity through 2027 to support capital management objectives.

Investment Strategy Stable Portfolio strategy prioritizes capital preservation, liquidity, and limiting correlation to residential mortgage market assets.

Peer Comparison

Revenue (TTM)

ACGL

$19.70B

+11.6%

EQH

$11.32B

-23.4%

THG

$6.68B

+6.6%

Gross Margin (Latest Quarter)

SNV

96.5%

+38.9pp

EQH

90.7%

-47.6pp

MTG

88.4%

-9.4pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
ACGL	$33.42B	6.9	20.5%	3.4%
EQH	$11.99B	-14.6	-219.8%	1.2%
VLY	$7.45B	11.4	8.5%	4.7%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.0%

Moderate Growth

4Q Net Income CAGR

-4.2%

Stable Profitability

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Aug 14, 2026

EPS:$1.83

Revenue:$303.66M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data