The earnings call presents a mixed outlook. While the company maintains strong financial metrics and continues to return capital to shareholders, there are notable challenges, such as a decrease in net income and ongoing issues in the mortgage origination market.

Company Guidance -

Q2 2025

During the Essent Group Ltd. First Quarter Earnings Conference Call, CEO Mark Casale and CFO David Weinstock provided detailed guidance on the company's financial performance and future outlook. For Q1 2025, Essent reported a net income of $175 million, or $1.69 per diluted share, with an annualized return on average equity of 12%. The U.S. mortgage insurance in force increased by 3% year-over-year to $245 billion, maintaining strong credit quality with an average FICO score of 746 and a 12-month persistency rate of 86%. The company highlighted its solid financial position with $6.4 billion in consolidated cash and investments, a new money yield of over 5%, and a PMIERs sufficiency ratio of 172%. Essent's capital strategy included repurchasing nearly 4 million shares for over $200 million year-to-date through April 30, 2025, and approving a common dividend of $0.31 per share for Q2. The company remains optimistic about long-term growth despite near-term economic headwinds, with a focus on maintaining a conservative balance sheet and optimizing shareholder returns.

Strong Balance Sheet and Capital Position

Essent Group reported consolidated cash and investments of $6.4 billion as of March 31, with a PMIERs efficiency ratio of 172% and $1.5 billion in excess of loss reinsurance.

Shareholder Returns and Capital Management

The company repurchased nearly 4 million shares for over $200 million and declared a common dividend of $0.31 for the second quarter of 2025.

Persistency and Investment Yields

The persistency rate was 86%, and the annualized investment yield for the first quarter was 3.8%, with new money rates remaining a tailwind for investment income.

Mortgage Insurance Portfolio Growth

U.S. mortgage insurance in force was $245 billion, a 3% increase compared to the previous year, with strong credit quality metrics including a weighted average FICO of 746.

Essent Group (ESNT) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

ESNT Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 08, 2025	2025 (Q2)	1.72 / -	1.91	―	―	―
May 09, 2025	2025 (Q1)	1.65 / 1.69	1.7	-0.59% (-0.01)
Feb 14, 2025	2024 (Q4)	1.65 / 1.58	1.64	-3.66% (-0.06)
Nov 01, 2024	2024 (Q3)	1.73 / 1.65	1.66	-0.60% (-0.01)
Aug 02, 2024	2024 (Q2)	1.68 / 1.91	1.61	18.63% (+0.30)
May 03, 2024	2024 (Q1)	1.59 / 1.70	1.59	6.92% (+0.11)
Feb 09, 2024	2023 (Q4)	1.59 / 1.64	1.37	19.71% (+0.27)
Nov 02, 2023	2023 (Q3)	1.57 / 1.66	1.66	0.00% (0.00)
Aug 04, 2023	2023 (Q2)	1.51 / 1.61	2.16	-25.46% (-0.55)
May 05, 2023	2023 (Q1)	1.46 / 1.59	2.52	-36.90% (-0.93)

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
May 09, 2025	$58.41	$58.22	-0.33%
Feb 14, 2025	$57.27	$55.79	-2.58%
Nov 01, 2024	$59.06	$52.92	-10.40%
Aug 02, 2024	$60.02	$58.74	-2.13%

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 Aug 08, 2025, Before Open (Confirmed).

What is Essent Group (ESNT) earnings time?

Essent Group (ESNT) earnings time is at Aug 08, 2025, 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 2025 (Q2) is 1.72.

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