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Essent Group
Essent Group (ESNT) investor relations material
Essent Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Reported Q4 2025 net income of $155 million ($1.60 per diluted share), with full-year net income of $690 million ($6.90 per share), and a 12% return on average equity.
Book value per share rose 13% year-over-year to $60.31 at year-end 2025, reflecting strong growth since IPO.
Shareholders' equity increased to $5.8 billion at December 31, 2025.
Nearly $700 million was returned to shareholders in 2025 via dividends and repurchases, retiring nearly 10% of shares.
Quarterly dividend increased to $0.35 per share for Q1 2026.
Financial highlights
Q4 2025 net income: $155 million; full year: $690 million.
Book value per share at year-end: $60.31, up 13% year-over-year.
Mortgage insurance in force: $248.4 billion at year-end, up from $243.6 billion in 2024.
Consolidated cash and investments: $6.6 billion at year-end 2025; aggregate yield: 3.9%.
Loss reserves increased to $447 million at year-end 2025, up from $329 million at year-end 2024.
Outlook and guidance
Modest growth in earned premium and insurance in force expected near term due to high mortgage rates and smaller origination market.
Persistency rates expected to remain high with elevated mortgage rates.
Average base premium rate for 2026 projected at ~40 basis points.
Mortgage insurance operating expenses expected to be ~$145 million for 2026.
Annual effective tax rate for 2026 estimated at ~17%.
Essent Re's P&C risk strategy for 2026
What drives the MI cure rate decline and severity rise?
Implications of Q4 NIW shift to refinance business
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Next Essent Group earnings date
Q1 20268 May, 2026
Essent Group
Next Essent Group earnings date
Q1 20268 May, 2026
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Frequently asked questions
Essent Group Ltd is a Bermuda-based holding company that offers private mortgage insurance and reinsurance. The company supports mortgage lenders by providing insurance coverage that protects against borrower default, primarily for U.S. residential mortgages. It operates through both direct insurance and reinsurance subsidiaries. Essent Group Ltd is headquartered in Hamilton, Bermuda, and its shares are listed on the NYSE.
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