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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Essent Group
Essent Group (ESNT) investor relations material
Essent Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary6 Nov, 2026
Executive summary
Q3 revenue was $374.2M vs. $311.8M YoY; net income was $163.4M vs. $164.2M, diluted EPS was $1.82 vs. $1.67, and annualized ROE was 11.7%.
Mortgage insurance in force reached $250.1B, up from $248.8B YoY; solid credit quality and capital supported earnings and shareholder returns.
Financial highlights
Q3 net premiums earned were $290.7M and net investment income was $63.0M; provision for losses and LAE was $83.5M vs. $44.9M YoY.
9M revenue was $1.073B, net income was $524.9M and diluted EPS was $5.71; net premiums earned were $827.5M and net investment income was $183.8M.
September 30 cash and investments totaled $6.485B; book value per share was $62.58 and shareholders’ equity was $5.555B.
Outlook and guidance
Longer-term MI modeling guide: ~80% persistency, a 35–45 combined ratio and an expected ultimate claim rate of 2%–3%.
2026 P&C reinsurance written premiums were expected at ~$320M, with roughly half earned in 2026 and a combined ratio in the high 90s.
2027 insurance in force could flatten; housing demand and demographics are viewed as longer-term supports, though timing remains uncertain.
Forward tax-rate guide was 17%–18%, reflecting 5% withholding tax friction on U.S.-to-Bermuda transfers.
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Latest events from Essent Group
- FY2023 net income was $696.4M as IIF reached $239.1B.ESNT
Q4 2023 - Industry-leading MI provider with strong capital, tech-driven risk management, and resilient growth.ESNTInvestor presentation
- Q2 2026 net income was $189.7M, with high persistency, NIW growth, and strong capital returns.ESNTQ2 2026
- Q1 2026 net income was $171.8M, with strong capital, credit, and share repurchases.ESNTQ1 2026
- 2026 meeting covers director elections, auditor re-appointment, and executive pay, with strong 2025 results.ESNTProxy filing
- Q4 net income was $155M, book value per share $60.31, and IIF reached $248.4B.ESNTQ4 2025
- Q2 2024 net income up 18% to $203.6M, with strong capital, liquidity, and credit quality.ESNTQ2 2024
- Q3 net income was $176.2M; book value rose, defaults up, but capital and liquidity strong.ESNTQ3 2024
- 2024 net income reached $729.4M, with higher dividends and a $500M buyback approved.ESNTQ4 2024
Next Essent Group earnings date
Q4 202612 Feb, 2027
Essent Group
Next Essent Group earnings date
Q4 202612 Feb, 2027
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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.