Essent .(US:ESNT) Globenewswire·2026-02-13 11:30Core Insights - Essent Group Ltd. reported a net income of $155.0 million or $1.60 per diluted share for Q4 2025, a slight decrease from $167.9 million or $1.58 per diluted share in Q4 2024. For the full year 2025, net income was $690.0 million or $6.90 per diluted share, compared to $729.4 million or $6.85 per diluted share in 2024 [1][10]. Financial Performance - The total revenues for Q4 2025 were $312.4 million, down from $315.0 million in Q4 2024. For the full year 2025, total revenues increased to $1.26 billion from $1.24 billion in 2024 [10][26]. - The net premiums earned for Q4 2025 were $242.7 million, compared to $244.5 million in Q4 2024. For the full year, net premiums earned were $983.7 million, slightly down from $990.9 million in 2024 [10][26]. - The company reported a provision for losses and LAE of $56.1 million for Q4 2025, compared to $41.0 million in Q4 2024. For the full year, this figure rose to $149.3 million from $81.2 million in 2024 [10][26]. Shareholder Returns - The Board of Directors declared a quarterly cash dividend of $0.35 per common share, payable on March 23, 2026, to shareholders of record on March 13, 2026 [2]. - In 2025, the company returned nearly $700 million to shareholders through dividends and share repurchases, retiring nearly 10% of its outstanding shares [3][10]. Business Segments - Mortgage insurance new insurance written for Q4 2025 was $11.8 billion, down from $12.2 billion in Q3 2025 and Q4 2024 [9]. - As of December 31, 2025, mortgage insurance in force was $248.4 billion, slightly down from $248.8 billion as of September 30, 2025, and up from $243.6 billion as of December 31, 2024 [9]. Capital Management - The company emphasized its commitment to a balanced capital management strategy, maintaining a strong capital position and cash flow [3].