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Essent Group (ESNT) investor relations material
Essent Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary8 Aug, 2025
Executive summary
Net income for Q2 2025 was $195.3M ($1.93/diluted share), down from $203.6M in Q2 2024, with annualized ROE at 13.8%.
Book value per share grew to $56.98 as of June 2025; shareholders' equity was $5.7B.
Board declared a $0.31/share quarterly dividend and repurchased 6.8M–7M shares for $387M–$390M YTD.
Moody's upgraded insurance financial strength rating to A2 and senior unsecured debt to Baa2 with a stable outlook.
Management highlighted strong credit performance, high portfolio persistency, and increased investment income.
Financial highlights
Net income for Q2 2025 was $195M, with diluted EPS of $1.93; total revenue was $319M.
Insurance in force at June 30, 2025 was $246.8B, up from $240.7B a year ago.
Net investment income for Q2 2025 was $59.3M, up from $56.1M in Q2 2024; annualized yield was 3.9%.
Net premiums earned in Q2 2025 were $248.8M, slightly down year-over-year.
Combined ratio for Mortgage Insurance was 22.1% for Q2 2025.
Outlook and guidance
Persistency rate was 85.8% at June 30, 2025, expected to remain high with current mortgage rates.
Management expects to remain in full compliance with GSE capital requirements and PMIERS.
Operating expense guidance for the year is $160M–$165M, trending toward the lower end.
No material impact expected from recent U.S. tax reform or Bermuda tax changes until at least 2030.
Title business is not expected to materially impact near-term earnings due to persistent high rates.
How will home price trends affect future pricing?
Characterize the pace of buybacks this year.
How does AI impact borrowers canceling MI?
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Next Essent Group earnings date
Q3 20257 Nov, 2025
Next Essent Group earnings date
Q3 20257 Nov, 2025
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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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