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Mar 31, 2021

Essent Q1 2021 Earnings Report

Essent's financial performance demonstrated a return to pre-COVID-19 profitability, driven by the U.S. economy's recovery and normalizing defaults.

Key Takeaways

Essent Group Ltd. reported a net income of $135.6 million for the quarter ended March 31, 2021, a decrease compared to $149.5 million for the same quarter in 2020. The company's Board of Directors authorized a $250 million share repurchase plan and declared a quarterly cash dividend of $0.17 per common share.

Insurance in force as of March 31, 2021, was $197.1 billion.

New insurance written for the first quarter was $19.3 billion.

Net premiums earned for the first quarter were $219.1 million.

The combined ratio for the first quarter was 34.0%.

Total Revenue
$245M
Previous year: $229M
+7.0%
EPS
$1.21
Previous year: $1.52
-20.4%
Expense Ratio
19.3%
Previous year: 20.3%
-4.9%
Combined Ratio
34%
Previous year: 24.2%
+40.5%
New Insurance Written
$19.3B
Previous year: $13.5B
+43.0%
Gross Profit
$203M
Previous year: $187M
+8.4%
Cash and Equivalents
$81M
Previous year: $31.1M
+160.9%
Free Cash Flow
$187M
Previous year: $163M
+15.1%
Total Assets
$5.33B
Previous year: $4.19B
+27.3%

Essent

Essent

Forward Guidance

Essent's management anticipates continued strong performance, driven by economic recovery and disciplined underwriting.