The earnings call highlighted Essent Group's strong financial stability, evidenced by a high persistency rate, a Moody's ratings upgrade, and significant capital returns to shareholders. However, there were concerns regarding a year-over-year decrease in net income, rising default rates, and potential declines in home prices. Despite these challenges, the company's overall financial position remains strong.

Company Guidance -

Q3 2025

During the Essent Group Ltd. second quarter 2025 earnings call, the company reported net income of $195 million, compared to $204 million a year ago, translating into earnings of $1.93 per diluted share, up from $1.91 per share a year earlier. The company achieved an annualized return on average equity of 14% for the quarter. As of June 30, 2025, the U.S. mortgage insurance in force was $247 billion, marking a 3% increase from the previous year. The credit quality of the insured portfolio remained robust, with a weighted average FICO score of 746 and a weighted average original LTV of 93%. Persistency stood at 86%, unchanged from the previous quarter. Essent Group's consolidated cash and investments totaled $6.4 billion, with an annualized investment yield of 3.9% for the quarter. The company also reported a PMIER efficiency ratio of 176% and maintained liquidity with $5.7 billion in GAAP equity. Essent's Board approved a common dividend of $0.31 for the third quarter, and the company repurchased nearly 7 million shares for $390 million year-to-date through July 31.

Strong Net Income

Essent Group reported net income of $195 million for Q2 2025, compared to $204 million a year ago, with diluted EPS of $1.93 versus $1.91 last year.

Increased Insurance in Force

U.S. mortgage insurance in force grew to $247 billion, marking a 3% increase year-over-year.

Persistency Rate Stability

The 12-month persistency rate remained high at 86%, consistent with the previous quarter.

Moody's Ratings Upgrade

Moody's upgraded Essent Guaranty's insurance financial strength rating to A2 and Essent Group's senior unsecured debt rating to Baa2.

Capital Return to Shareholders

The company declared a $0.31 dividend for Q3 2025 and repurchased nearly 7 million shares for approximately $390 million year-to-date.

Strong PMIERs Efficiency Ratio

Essent Guaranty's PMIERs efficiency ratio was robust at 176% with $1.6 billion in excess available assets.

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
Oct 31, 2025	2025 (Q3)	1.77 / -	1.65	―	―	―
Aug 08, 2025	2025 (Q2)	1.72 / 1.93	1.91	1.05% (+0.02)
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)

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
Aug 08, 2025	$57.02	$60.27	+5.70%
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%

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 Ltd (ESNT) report earnings?

Essent Group Ltd (ESNT) is schdueled to report earning on Oct 31, 2025, Before Open (Confirmed).

What is Essent Group Ltd (ESNT) earnings time?

Essent Group Ltd (ESNT) earnings time is at Oct 31, 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 (Q3) is 1.77.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing