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Mar 31, 2024

Essent Q1 2024 Earnings Report

Essent reported strong financial results driven by favorable credit performance and increased investment income.

Key Takeaways

Essent Group Ltd. reported a net income of $181.7 million for Q1 2024, compared to $170.8 million for Q1 2023. The company's performance was driven by its high-quality portfolio, consumer resilience, and a favorable rate environment that benefited investment income and persistency. Essent's Board of Directors also declared a quarterly cash dividend of $0.28 per common share.

New insurance written was $8.3 billion, compared to $12.9 billion in the first quarter of 2023.

Insurance in force was $238.5 billion, compared to $231.5 billion as of March 31, 2023.

Net investment income was $52.1 million, up 20% from the first quarter of 2023.

Entered into a quota share reinsurance transaction covering 15% of eligible policies written in 2024.

Total Revenue
$298M
Previous year: $256M
+16.4%
EPS
$1.7
Previous year: $1.59
+6.9%
Expense Ratio
27.1%
Previous year: 22.8%
+18.9%
Combined Ratio
31.1%
Previous year: 22.7%
+37.0%
New Insurance Written
$8.3B
Previous year: $12.9B
-35.7%
Gross Profit
$236M
Previous year: $211M
+12.0%
Cash and Equivalents
$164M
Previous year: $68.6M
+139.3%
Free Cash Flow
$212M
Previous year: $184M
+15.2%
Total Assets
$6.56B
Previous year: $5.93B
+10.8%

Essent

Essent

Essent Revenue by Segment

Forward Guidance

This press release may include “forward-looking statements” which are subject to known and unknown risks and uncertainties, many of which may be beyond our control.