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Jun 30
Essent Q2 2025 Earnings Report
Essent Group Ltd. reported its second quarter 2025 financial results, showing continued strength in credit, elevated portfolio persistency, and increased investment income.
Key Takeaways
Essent Group Ltd. delivered strong second quarter 2025 financial results with net income of $195.3 million and diluted EPS of $1.93. The company saw an increase in new insurance written and insurance in force, alongside a significant rise in net investment income. Essent also maintained a strong capital position and continued its share repurchase program.
Net income for Q2 2025 was $195.3 million, or $1.93 per diluted share.
New insurance written reached $12.5 billion in Q2 2025, matching the prior year's second quarter.
Insurance in force grew to $246.8 billion as of June 30, 2025.
Moody's Ratings upgraded Essent Guaranty, Inc. to A2 from A3, reflecting a stable outlook.
Essent
Essent
Essent Revenue by Segment
Revenue by Segment
Mortgage Insurance Revenue
CapyFin.comCorporate & Other Revenue
CapyFin.com Forward Guidance
Essent Group Ltd. continues to focus on efficient capital deployment to enhance shareholder returns and support long-term value creation, as evidenced by ongoing share repurchases and a declared quarterly dividend.
Positive Outlook
- Continued strength in credit performance.
- Elevated portfolio persistency contributing to stable earnings.
- Increased investment income supporting overall profitability.
- Strong capital position provides flexibility for strategic initiatives.
- Commitment to efficient capital deployment, including share repurchases and dividends.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- Potential for changes in GSE requirements or business practices.
- Increased competition in the private mortgage insurance market.
- Risk of lenders or investors seeking alternatives to private mortgage insurance.
- Uncertainty of loss reserve estimates and potential for deteriorating economic conditions.