Financial Performance - Net income decreased from $195.3 million in 2Q25 to $164.2 million in 3Q25[5] - Annualized Return on Equity (ROE) decreased from 13.8% in 2Q25 to 11.5% in 3Q25[5] - Shareholders' equity remained constant at $5.7 billion in both 2Q25 and 3Q25[5] - The combined ratio for the Mortgage Insurance segment increased from 22.1% in 2Q25 to 33.9% in 3Q25[5] - Book value per share grew to $58.86 as of September 2025, with an annualized growth rate of 18.1% since December 31, 2013[10] Portfolio and Risk Management - Insurance In Force (IIF) increased from $246.8 billion in 2Q25 to $248.8 billion in 3Q25[5] - New Insurance Written (NIW) slightly decreased from $12.5 billion in 2Q25 to $12.2 billion in 3Q25[5] - Portfolio default rate increased from 2.12% in 2Q25 to 2.29% in 3Q25[5] - 97% of the Insurance In Force (IIF) is subject to reinsurance protection as of September 30, 2025[5, 32, 35] Capital and Liquidity - PMIERs Sufficiency Ratio was 177% in 3Q25[5] - Risk-to-Capital Ratio improved from 9.2:1 in 2Q25 to 8.9:1 in 3Q25[5] - The company has $5.7 billion in GAAP Equity as of September 30, 2025[34] - Available liquidity at the holding companies is $1.0 billion, with an additional $500 million in undrawn capacity with the credit facility as of September 30, 2025[34]

Financial Performance - Essent Group Ltd reported net income of $195.3 million for 2Q25, compared to $175.4 million in 1Q25[5] - The annualized Return on Equity (ROE) increased to 13.8% in 2Q25 from 12.5% in 1Q25[5] - The combined ratio for the U S Mortgage Insurance portfolio improved to 22.1% in 2Q25 from 31.8% in 1Q25[5] - The book value per share has grown at an annualized rate of 18.2% since December 31, 2013, reaching $56.98 as of June 2025[9] Portfolio and Risk Management - The U S Mortgage Insurance In Force (IIF) reached $246.8 billion in 2Q25, up from $244.7 billion in 1Q25[5] - New Insurance Written (NIW) increased to $12.5 billion in 2Q25 from $9.9 billion in 1Q25[5] - The portfolio default rate decreased slightly to 2.12% in 2Q25 from 2.19% in 1Q25[5] - 97% of the Insurance In Force (IIF) is subject to reinsurance protection as of June 30, 2025[5,30,33] Capital and Liquidity - Shareholders' equity remained stable at $5.7 billion in both 1Q25 and 2Q25[5] - The company has ample liquidity, with $1.0 billion in cash and investments available for sale at the holding companies[32] - The PMIERs sufficiency ratio was 176% in 2Q25, compared to 172% in 1Q25[5]

Financial Performance - Net income for 1Q25 was $1754 million, compared to $1679 million in 4Q24[5] - Annualized ROE increased to 125% in 1Q25 from 119% in 4Q24[5] - Shareholders' equity reached $57 billion in 1Q25, up from $56 billion in 4Q24[5] - The combined ratio improved to 318% in 1Q25 from 338% in 4Q24[5] - Book value per share grew to $5522 in Mar-25, with an annualized growth rate of 183% since December 31, 2013[11] Portfolio and Risk Management - U S Mortgage Insurance In Force (IIF) increased to $2447 billion in 1Q25 from $2436 billion in 4Q24[5] - New Insurance Written (NIW) was $99 billion in 1Q25, compared to $122 billion in 4Q24[5] - The portfolio default rate decreased to 219% in 1Q25 from 227% in 4Q24[6] - 97% of IIF is subject to reinsurance protection as of March 31, 2025[6,33,36] - Risk-to-capital ratio improved to 96:1 in 1Q25 from 98:1 in 4Q24[6] Capital Distribution - The company repurchased 39 million common shares for $218 million year-to-date through April 30th[9] - A quarterly dividend of $031 per common share was approved for 2Q25[9]