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Mar 31, 2022

Essent Q1 2022 Earnings Report

Reported strong results driven by favorable credit performance and increased quarterly dividend.

Key Takeaways

Essent Group Ltd. reported a net income of $274.2 million for the quarter ended March 31, 2022, which translates to $2.52 per diluted share. The company's Board of Directors has declared a quarterly cash dividend of $0.21 per common share.

Insurance in force as of March 31, 2022, was $206.8 billion.

New insurance written for the first quarter was $12.8 billion.

The expense ratio for the first quarter was 18.9%.

The combined ratio for the first quarter was negative (30.7%).

Total Revenue
$265M
Previous year: $245M
+8.1%
EPS
$1.59
Previous year: $1.21
+31.4%
Expense Ratio
18.9%
Previous year: 19.3%
-2.1%
Combined Ratio
-30.7%
Previous year: 34%
-190.3%
New Insurance Written
$12.8B
Previous year: $19.3B
-33.7%
Gross Profit
$199M
Previous year: $203M
-1.7%
Cash and Equivalents
$204M
Previous year: $81M
+151.6%
Free Cash Flow
$180M
Previous year: $187M
-3.9%
Total Assets
$5.59B
Previous year: $5.33B
+4.8%

Essent

Essent

Essent Revenue by Segment

Forward Guidance

Essent management discussed its results on a conference call held at 10:00 AM Eastern time. A replay of the webcast will be available on the Essent website approximately two hours after the live broadcast ends for a period of one year.

Revenue & Expenses

Visualization of income flow from segment revenue to net income