Loading...
•
Dec 31, 2025
Essent Q4 2025 Earnings Report
Essent reported lower fourth quarter 2025 net income compared to the prior year, with solid premium earnings and higher loss provisions.
Key Takeaways
Essent generated Q4 2025 net income of 154982000 as net premiums earned declined slightly year over year and provision for losses increased. Investment income improved, partially offsetting higher loss expenses.
Net income was 154982000 with diluted EPS of 1.60.
Total revenue declined to 312404000 from the prior year quarter.
Provision for losses and LAE increased to 56073000.
Insurance in force reached 248356397000 at quarter end.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management emphasized capital strength, reinsurance expansion and continued shareholder returns, while highlighting exposure to housing and credit risks.
Positive Outlook
- Strong capital position with PMIERs sufficiency ratio of 169%.
- Quarterly dividend increased to 0.35 per share.
- Continued share repurchases totaling 576000000 in 2025.
- Stable insurance in force near 248356397000.
- Reinsurance platform expansion into Lloyd’s market.
Challenges Ahead
- Net income declined year over year.
- Provision for losses and LAE increased significantly.
- Default rate increased to 2.50%.
- Exposure to housing market volatility.
- Sensitivity to changes in GSE requirements.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...