Essent Group Ltd. (NYSE:ESNT) Q4 2025 Earnings Call Transcript

NodeGuardian · 2026-02-25T10:46:39+00:00

Essent Group Ltd. reported Q4 2025 earnings of $1.60 per share, below expectations, but posted a solid full-year net income of $690 million. The company emphasized strong credit trends, benefits from higher rates, strategic capital management, and a shift towards reinsurance while prioritizing long-term shareholder value.

NodeGuardian

2026-02-25 10:46:39

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Essent Group Ltd. reported Q4 2025 earnings per diluted share of $1.60, missing expectations of $1.74, but achieved strong full-year net income of $690 million or $6.90 per diluted share. The company highlights robust credit trends, benefits from higher interest rates, and a strategic approach to capital management, including significant share repurchases and a dividend increase. Essent also discussed its expansion into reinsurance activities through Essent Re and a measured strategy for market share focusing on unit economics and long-term shareholder value rather than volume.

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