Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, ...
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$1.32 per share
Est. EPS $1.83 · Revenue $335.26M · 4 analysts
Est. EPS $1.81 · Revenue $341.60M · 4 analysts
Est. EPS $7.45 · Revenue $1.33B · 5 analysts
$1.32 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $1.3B | -0.5% | +5.5% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $690.0M | -5.4% | +10.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +88.2% | -5.8% | +4.0% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +65.2% | -3.5% | +6.2% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +54.7% | -4.9% | +5.1% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $848.7M | -0.7% | -16.1% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +67.3% | -0.2% | -20.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 8.6% | -2.4% | +1.1% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 5.75x | -11.6% | +2.7% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $7.4B | +4.6% | +1.7% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 6.90 vs 7.00 | -1.4% | 1.82 vs 1.83 | -0.8% |
| Revenue Surprise | $1.3B vs $1.3B | -0.0% | $329.6M vs $335.3M | -1.7% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 24, 2026 | PAULS DOUGLAS J | director | Common shares, par value $0.015 | A | 2,625 | — |
| Aug 24, 2026 | PAULS DOUGLAS J | director | Common shares, par value $0.015 | D | 2,500 | $69.70 |
| Aug 24, 2026 | PAULS DOUGLAS J | director | Common shares, par value $0.015 | D | 2,625 | — |
| Aug 19, 2026 | CASALE MARK | director, officer: Chairman, CEO and President | Common shares, par value $0.015 | D | 21,607 | $70.07 |
| Aug 18, 2026 | CASALE MARK | director, officer: Chairman, CEO and President | Common shares, par value $0.015 | D | 20,246 | $70.18 |
Operator: Ladies and gentlemen, thank you for standing by. My name is Abby, I will be your conference operator today. At this time, I would like to welcome everyone to the Essent Group Ltd. First Quarter Earnings Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question and answer session. Star followed by the number one on your telephone keypad. If you would like to withdraw your question, press star 1 again. Thank you. And I would now like to turn the conference over to Philip Stefano, Investor Relations. You may begin. Thank you, Abby. Philip Stefano: Good morning, everyone, and welcome to our call. Joining me today are Mark Casale, Chairman and CEO, and David Weinstock, Chief Financial Officer. Also on hand for the Q&A portion of the call is Chris Curran, President of Essent Guaranty. Our press release, which contains Essent Group Ltd.’s financial results for 2026, was issued earlier today and is available on our website at essentgroup.com. Operator: [inaudible] Mark Casale: Supply constraints and increasing pent-up demand will be positive for housing and our MI business when affordability improves. As of March 31, our mortgage insurance in force was $248 billion, a 1% increase versus a year ago. Twelve-month persistency was 84.7% reflecting the ongoing impact of the rate environment. Nearly 50% of our in-force portfolio carries a note rate of 5.5% or lower, a dynamic that we believe will support persistency at elevated levels. Credit quality of our insurance in force remains strong with a weighted average FICO of 747 and a weighted average original LTV of 93%. Our portfolio default rate was effectively flat quarter over quarter, and we continue to believe that the embedded home equity of our in-force book should mitigate ultimate claims. Outward reinsurance in our MI business continues to play an integral role in credit risk and capital. During 2026, we entered into an excess of loss transaction with a panel of highly rated reinsurers, providing forward protection for our 2027 business. We remain pleased with the execution of our reinsurance strategy, ceding a meaningful portion of our mezzanine credit risk and diversifying our capital sources. On the title front, we continue to transition the business from a stand-alone operation to an adjacency of our mortgage insurance franchise by leveraging our customer base and providing title solutions. The coordination between our MI and title teams continues to build momentum in expanding the number of Essent title customers, but we note this business is rate sensitive and results will continue to improve as origination volumes recover. On the Essent Re front, we expanded our P&C reinsurance platform in the first quarter. Our Lloyd’s program will generate approximately $120 million of written premium in 2026 against a $50 million deposit at returns comparable to our MI business. During the first quarter, we also executed a …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Mark Anthony Casale | Founder, Chairman, Chief Executive Officer & President | USD 4,915,032 | Male | 1965 | Active |
Christopher G. Curran | President of Essent Guaranty, Inc. | USD 1,784,853 | Male | — | Active |
Mary Lourdes Gibbons | Senior Vice President, Chief Legal Officer & Assistant Secretary | USD 1,491,659 | Female | 1962 | Active |
Vijay Bhasin | Chief Risk Officer & Senior Vice President | USD 1,125,375 | Male | 1965 | Active |
David Bruce Weinstock | Chief Financial Officer & Senior Vice President | USD 1,117,993 | Male | 1966 | Active |
Theodore Gray | Senior Vice President & Chief Information Officer | — | — | — | Active |
William Higgins | President of Essent Title Insurance Inc | — | Male | — | Active |
Paul C. Wollmann ARe ARm | President & Chief Underwriting Officer of Essent Reinsurance Ltd | — | Male | 1967 | Active |
Philip Michael Stefano | Vice President of Investor Relations | — | Male | — | Active |
Wei Ding | Senior Vice President of Corporate Development | — | Male | — | Active |
Connor Clark and Lunn Investment Management Ltd. bought a new position in Essent Group Ltd. (NYSE: ESNT) during the second quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The fund bought 34,217 shares of the financial services provider's stock, valued at approximately $2,199,000. A number of other
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