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Jun 30, 2024

Essent Q2 2024 Earnings Report

Essent's financial results for the second quarter were reported, showing favorable credit performance and benefits from the current rate environment.

Key Takeaways

Essent Group Ltd. reported a net income of $203.6 million for the quarter ended June 30, 2024, compared to $172.2 million for the same quarter in 2023. The company's performance was driven by a high-quality portfolio and resilience in housing and labor markets, benefiting from favorable credit performance and the current rate environment.

Net income for Q2 2024 was $203.6 million, or $1.91 per diluted share, compared to $172.2 million, or $1.61 per diluted share in Q2 2023.

New insurance written for Q2 2024 was $12.5 billion, compared to $13.5 billion in Q2 2023.

Insurance in force as of June 30, 2024, was $240.7 billion, compared to $235.6 billion as of June 30, 2023.

Essent closed on its inaugural senior debt offering on July 1 and has over $1.3 billion in available holding company liquidity.

Total Revenue
$313M
Previous year: $260M
+20.3%
EPS
$1.91
Previous year: $1.61
+18.6%
Combined Ratio
26%
Previous year: 20.4%
+27.5%
New Insurance Written
$12.5B
Previous year: $13.5B
-7.4%
Insurance In Force
$241B
Previous year: $236B
+2.2%
Gross Profit
$252M
Previous year: $223M
+13.1%
Cash and Equivalents
$197M
Previous year: $68.1M
+189.9%
Free Cash Flow
$188M
Previous year: $167M
+12.2%
Total Assets
$6.69B
Previous year: $5.98B
+11.9%

Essent

Essent

Essent Revenue by Segment

Forward Guidance

Essent management will hold a conference call at 10:00 AM Eastern time today to discuss its results. The conference call will be broadcast live over the Internet.

Revenue & Expenses

Visualization of income flow from segment revenue to net income