Essent Group (ESNT) Q4 2025 Earnings Transcript | The Motley Fool
The Motley Fool
by newsfeedback@fool.com (Motley Fool Transcribing)February 13, 2026
AI-Generated Deep Dive Summary
Essent Group (ESNT) delivered strong financial results for the fourth quarter and full year 2025, with net income reaching $155 million ($1.60 per diluted share) in Q4, bringing total annual net income to $690 million ($6.90 per diluted share). The company’s Return on Average Equity (ROE) stood at 12% for the year, reflecting its efficient use of capital. Essent also reported a 13% increase in book value per share, ending 2025 at $60.31. These results highlight Essent’s continued growth and profitability in the mortgage insurance sector.
The company’s mortgage insurance portfolio remained robust, with $248 billion in force at year-end, up 2% from the previous year. Despite a modest increase in the default rate to 2.5%, management attributed this to seasonal factors and aging portfolios. Essent also maintained high credit quality, with a weighted
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Originally published on The Motley Fool on 2/13/2026