ESNT Essent Group Ltd.

Q3 2025 10-Q

Filed: Nov 7, 2025Period ending Sep 30, 2025

Financials

Surety InsuranceSEC EDGAR

Essent Group Ltd. (ESNT) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 7, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.

AI Filing Analysis
Q3 2025 10-Q

Management Discussion & Analysis

• Revenue $311.8M Q3 2025, down 1.5% YoY from $316.6M Q3 2024; nine months $948.5M up 2.2% YoY from $927.9M
• Net income $164.2M Q3 2025, down 6.8% YoY from $176.2M; operating margin approx. 52.7% vs 55.6% Q3 2024 (income before tax/net premiums earned)

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Risk Factors

• New title insurance risk from acquisitions of Agents National Title and Boston National Title effective July 1, 2023 and January 1, 2025, expanding operations
• Most materially updated market risk: mortgage interest rates remain elevated, lowering NIW to $12.2B Q3 2025 vs $12.5B Q3 2024, reducing mortgage originations

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Quarterly Financial Summary
XBRL

Revenue

$312M

▼ -1.5% YoY▼ -2.3% QoQ

Net Income

$164M

▼ -6.8% YoY▼ -15.9% QoQ

Net Margin

52.7%

▼ -299bp YoY▼ -855bp QoQ

ROE

2.9%

Total Assets

$7.4B

EPS (Diluted)

$1.67

▲ +1.2% YoY▼ -13.5% QoQ

Operating Cash Flow

$216M

▼ -5.8% YoY▲ +13.9% QoQ

Source: XBRL data from Essent Group Ltd. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.

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