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Essent Group (ESNT) investor relations material
Essent Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net income for Q3 2025 was $164.2 million ($1.67 per diluted share), down from $176.2 million in Q3 2024, with annualized ROE between 11.5% and 13%.
Book value per share rose to $58.86 at September 30, 2025, from $53.11 a year earlier.
8.7 million shares repurchased year-to-date for $501 million, with a new $500 million buyback authorized through 2027.
Quarterly cash dividend of $0.31 per share declared for Q4 2025.
Favorable credit trends and higher investment income contributed to strong earnings.
Financial highlights
Total revenue for Q3 2025 was $312 million, with net premiums earned at $246.3 million and net investment income at $59.8 million.
Insurance in force reached $248.8 billion at September 30, 2025, up from $243.0 billion a year earlier.
New insurance written in Q3 2025 was $12.2 billion, slightly down from prior periods.
Book value per share increased to $58.86 at Q3 2025.
Debt-to-capital ratio was about 8% at quarter end, with $495 million in senior notes outstanding.
Outlook and guidance
Persistency rate was 86.0% at September 30, 2025, and is expected to remain elevated.
Moody’s upgraded the insurance financial strength rating to A2 and senior unsecured debt to Baa2, both with a stable outlook.
Management expects to remain in full compliance with regulatory capital and liquidity requirements.
Tax rate guidance increased to 16% or slightly higher for the coming year.
No material impact anticipated from recent U.S. or Bermuda tax law changes in the near term.
Future share repurchase plans
Reconcile default increase with credit trends
Impact of reinsurance on PMIERS assets
What is the acquisition criteria given current stock value?
How robust are current credit guardrails against changes?
Describe the friction in upstreaming capital
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Next Essent Group earnings date
Q4 202513 Feb, 2026
Next Essent Group earnings date
Q4 202513 Feb, 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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