•
Jun 30, 2022

Essent Q2 2022 Earnings Report

Essent's financial results for Q2 2022 reflected favorable credit performance and the board approved an increase in the quarterly dividend.

Key Takeaways

Essent Group Ltd. reported a strong second quarter in 2022, with a net income of $231.8 million, or $2.16 per diluted share, compared to $159.8 million, or $1.42 per diluted share, for the same quarter in 2021. The Board of Directors has declared a quarterly cash dividend of $0.22 per common share.

Net income for the quarter ended June 30, 2022 was $231.8 million or $2.16 per diluted share.

New insurance written for the second quarter was $20.1 billion.

Insurance in force as of June 30, 2022 was $215.9 billion.

The combined ratio for the second quarter was negative (16.2%).

Total Revenue
$244M
Previous year: $243M
+0.5%
EPS
$2.16
Previous year: $1.42
+52.1%
Expense Ratio
19.8%
Previous year: 18.9%
+4.8%
Combined Ratio
-16.2%
Previous year: 23.3%
-169.5%
New Insurance Written
$20.1B
Previous year: $25B
-19.6%
Gross Profit
$201M
Previous year: $202M
-0.8%
Cash and Equivalents
$77.9M
Previous year: $142M
-45.2%
Free Cash Flow
$62.3M
Previous year: $152M
-58.9%
Total Assets
$5.52B
Previous year: $5.52B
+-0.0%

Essent

Essent

Essent Revenue by Segment

Forward Guidance

The fundamentals of the business remain solid, and despite near-term headwinds, the long-term structural outlook for the housing market remains positive.

Revenue & Expenses

Visualization of income flow from segment revenue to net income