Essent Group Ltd. reported fourth quarter (Q4) net income of USD 155.00 million. Annualized return on equity for Q4 stood at 10.8 percent, while shareholders’ equity at the end of the period was USD 5.80 billion. The company’s combined ratio for its mortgage insurance portfolio was 42.0 percent in Q4. Insurance in force $(IIF)$ amounted to USD 248.40 billion, with new insurance written (NIW) totaling USD 11.80 billion for the quarter. The portfolio default rate was 2.50 percent. Essent Group Ltd. maintained a PMIERs sufficiency ratio of 169 percent and a risk-to-capital ratio of 9.1 to 1. At the end of Q4, 98 percent of IIF had reinsurance protection. Key business developments include Essent Guaranty entering a quota share reinsurance agreement with a panel of highly rated third-party reinsurers covering 20 percent of all eligible new insurance written in 2027. Additionally, Essent Re entered into quota share agreements backed by Funds at Lloyd's to reinsure certain property and casualty risks effective in the first quarter of 2026. On the corporate side, the board approved an increase to the quarterly dividend to USD 0.35 per common share, payable in the first quarter of 2026. In 2025, Essent Group Ltd. repurchased 9.9 million common shares for USD 576 million as part of its share repurchase plan.

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