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Sep 30, 2022

Essent Q3 2022 Earnings Report

Reported strong earnings and robust returns due to focus on optimizing unit economics and favorable credit performance. Increased quarterly dividend to $0.23 per share.

Key Takeaways

Essent Group Ltd. reported a net income of $178.1 million for the quarter ended September 30, 2022, a decrease compared to $205.4 million for the same quarter in 2021. The Board of Directors has declared a quarterly cash dividend of $0.23 per common share.

New insurance written for the third quarter was $17.1 billion, compared to $23.6 billion in the third quarter of 2021.

Insurance in force as of September 30, 2022 was $222.5 billion, compared to $208.2 billion as of September 30, 2021.

The combined ratio for the third quarter was 22.3%, compared to 15.9% in the third quarter of 2021.

Essent Guaranty, Inc. obtained $237.9 million of fully collateralized excess of loss reinsurance coverage.

Total Revenue
$262M
Previous year: $284M
-7.7%
EPS
$1.66
Previous year: $1.84
-9.8%
Expense Ratio
20.3%
Previous year: 19.3%
+5.2%
Combined Ratio
22.3%
Previous year: 15.9%
+40.3%
New Insurance Written
$17.1B
Previous year: $23.6B
-27.5%
Gross Profit
$210M
Previous year: $201M
+4.7%
Cash and Equivalents
$79.5M
Previous year: $65.8M
+20.7%
Free Cash Flow
$172M
Previous year: $177M
-3.2%
Total Assets
$5.56B
Previous year: $5.59B
-0.6%

Essent

Essent

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.