Essent Group Q4 Earnings Call Highlights

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MarketBeat

Fri, February 13, 2026 astatine 10:22 AM CST 8 min read

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Essent delivered beardown results successful 2025 with fourth‑quarter nett income of $155 million and full‑year nett income of $690 million (EPS $6.90), a 12% instrumentality connected mean equity and publication worth per stock up 13% to $60.31, portion returning astir $700 million to shareholders and raising the quarterly dividend 13% to $0.35.
Credit and security trends amusement a seasoned but resilient portfolio: owe security successful unit was astir $248 billion with persistency adjacent 86%, a default complaint of 2.5% and higher provisions (Q4 proviso $55.2 million, ~$145 million for the year); absorption expects lone humble near‑term earned premium and insurance‑in‑force maturation and is prioritizing portion economics implicit marketplace share.
Reinsurance and superior deployment stay central: ~98% of the MI portfolio is reinsured, Essent Re generated astir $80 million of third‑party nett income connected $2.3 billion of risk, and the institution has begun a measured enlargement into Lloyd’s‑backed quota stock P&C reinsurance expected to constitute $100–150 million of premium (about two‑thirds earned successful 2026).
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Essent Group (NYSE:ESNT) reported fourth-quarter and full-year 2025 results that absorption said were driven by affirmative recognition trends and the payment of higher involvement rates done persistency and concern income. On the company’s net call, Chairman and CEO Mark Casale highlighted net strength, continued superior returns, and a measured enlargement of Essent Re’s third-party reinsurance activities, including introduction into the Lloyd’s market.

Essent reported fourth-quarter 2025 nett income of $155 million, oregon $1.60 per diluted share. For full-year 2025, the institution earned $690 million, oregon $6.90 per diluted share, and generated a 12% instrumentality connected mean equity, Casale said.

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Book worth per stock was $60.31 arsenic of Dec. 31, up 13% twelvemonth implicit year. Mortgage security successful unit totaled $248 billion astatine year-end, up 2% from a twelvemonth earlier, with 12-month persistency astatine 86%. Casale noted persistency has been comparatively level implicit caller quarters amid higher owe rates and a smaller origination market, starring the institution to expect “modest” earned premium and insurance-in-force maturation successful the adjacent term.

CFO David Weinstock said owe security successful unit ended the 4th fourth astatine $248.4 billion, down $452 million from Sept. 30 but up $4.7 billion (or 1.9%) from Dec. 31, 2024. Persistency astatine Dec. 31, 2025 was 85.7%, compared with 86% astatine Sept. 30.