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Sep 30, 2021

Essent Q3 2021 Earnings Report

Essent's financial performance reflected a positive operating environment and ongoing strength in credit performance, with net income of $205.4 million and increased quarterly dividend.

Key Takeaways

Essent Group Ltd. reported a strong third quarter with net income of $205.4 million, or $1.84 per diluted share, compared to $124.5 million, or $1.11 per diluted share, for the same quarter last year. The Board of Directors has also declared a quarterly cash dividend of $0.19 per common share.

Insurance in force as of September 30, 2021, was $208.2 billion, compared to $190.8 billion as of September 30, 2020.

New insurance written for the third quarter was $23.6 billion, compared to $36.7 billion in the third quarter of 2020.

The combined ratio for the third quarter was 15.9%, compared to 41.6% in the third quarter of 2020.

The percentage of loans in default as of September 30, 2021 was 2.47%, compared to 4.54% as of September 30, 2020.

Total Revenue
$284M
Previous year: $243M
+16.7%
EPS
$1.84
Previous year: $1.11
+65.8%
Expense Ratio
19.3%
Previous year: 16.7%
+15.6%
Combined Ratio
15.9%
Previous year: 41.6%
-61.8%
New Insurance Written
$23.6B
Previous year: $36.7B
-35.7%
Gross Profit
$201M
Previous year: $206M
-2.6%
Cash and Equivalents
$65.8M
Previous year: $119M
-44.5%
Free Cash Flow
$177M
Previous year: $202M
-12.3%
Total Assets
$5.59B
Previous year: $5.11B
+9.4%

Essent

Essent

Forward Guidance

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