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Essent Group (ESNT)
NYSE:ESNT
Earnings Data
Report Date
May 01, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.69Last Year’s EPS
1.69Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a net positive picture: strong earnings, cash flow, book value growth, robust liquidity and disciplined capital returns (dividends + significant share buybacks). Offsetting negatives were modest increases in loss provisions and defaults, slightly higher operating expenses, flat persistency and a cautious outlook for near-term insurance-in-force growth. Management emphasized measured growth, reinsurance strength, and the ability to return capital, suggesting confidence in the franchise despite some credit-seasoning headwinds.Company Guidance
Strong Quarterly and Full-Year Earnings
Q4 net income of $155 million ($1.60 diluted EPS) and full-year 2025 net income of $690 million ($6.90 diluted EPS) with a return on average equity of 12%.
Book Value and Shareholder Returns
Book value per share of $60.31, up 13% year-over-year; returned nearly $700 million to shareholders in 2025 via dividends and repurchases, including repurchasing nearly 10% of shares outstanding at 2024.
Strong Liquidity and Capital Position
Consolidated cash and investments of $6.6 billion, $5.8 billion in GAAP equity, access to $1.3 billion of excess-of-loss reinsurance, $1.3 billion in holding company cash/investments, and $500 million undrawn revolver capacity.
Robust Cash Flow and Investment Yields
Full-year 2025 operating cash flow of $856 million; aggregate yield on investments 3.9% for the year and new-money yields in Q4 near 5%.
Mortgage Insurance Scale and Credit Quality
Mortgage insurance in force of $248.4 billion (≈ +1.9% YoY), weighted average FICO of 747 and weighted average original LTV of 93%, and twelve-month persistency around 86%.
Reinsurance Strategy and Essent Re Performance
98% of MI portfolio subject to reinsurance; Essent Re earned nearly $80 million of third-party net income in 2025 and ended the year with $2.3 billion in risk; entered Lloyd’s-backed quota share reinsurance for P&C with expected $100–$150 million written premium.
Disciplined Capital Management and Dividend Increase
Board approved a 13% increase in the quarterly dividend to $0.35 per share starting in 2026 and management emphasized measured, value-accretive share repurchases (repurchased $125 million in Q4 and $44 million in Jan 2026).
Stable Premium Yields
Mortgage Insurance average base premium of 41 basis points (consistent with prior quarter) and average net premium of 34 basis points; management expects average base premium around 40 bps for 2026.
ESNT Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ESNT Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 13, 2026 | $65.64 | $61.42 | -6.43% |
Sep 30, 2025 | $63.51 | $63.25 | -0.42% |
Aug 08, 2025 | $56.46 | $59.68 | +5.70% |
May 09, 2025 | $57.83 | $57.65 | -0.32% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Essent Group (ESNT) report earnings?
Essent Group (ESNT) is schdueled to report earning on May 01, 2026, Before Open (Confirmed).
What is Essent Group (ESNT) earnings time?
Essent Group (ESNT) earnings time is at May 01, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ESNT EPS forecast?
ESNT EPS forecast for the fiscal quarter 2026 (Q1) is 1.69.