Essent Group Ltd. is a specialty insurance company that provides private mortgage insurance and title insurance services to U.S. residential mortgage markets. The company's primary function is underwriting mortgage insurance for loans with less than 20 percent down payments, protecting lenders against borrower default. In addition to core mortgage insurance products—including primary, pool, and master policies—the company offers title insurance and settlement services, credit risk management products, and reinsurance solutions.
The company operates through two main business segments: Mortgage Insurance and Reinsurance. The Mortgage Insurance segment underwrites policies for mortgage originators including banks, credit unions, and mortgage banks. The Reinsurance segment includes underwriting consulting services provided to third-party reinsurers and contract underwriting services. Essent also generates revenue from ancillary services such as information technology maintenance, customer support, and underwriting consulting.
Based in Hamilton, Bermuda, and listed on the NYSE, Essent operates with approximately 514 full-time employees. The company was founded in 2008 and maintains a U.S. customer base across regulated depository institutions, mortgage banks, credit unions, and other residential mortgage lenders.
Fiscal years are as reported by the company and may not align with the calendar year. For example, Apple's FY 2024 ends in September 2024.
| Fiscal Year | EPS Diluted | EPS Basic | YoY | |
|---|---|---|---|---|
| 2025 | $6.90 | $6.97 | +0.7% | |
| 2024 | $6.85 | $6.92 | +5.4% | |
| 2023 | $6.50 | $6.56 | -15.8% | |
| 2022 | $7.72 | $7.75 | +26.4% | |
| 2021 | $6.11 | $6.13 | +455.5% | |
| 2020 | $1.10 | $1.10 | -26.2% | |
| 2019 | $1.49 | $1.50 | +13.7% | |
| 2018 | $1.31 | $1.32 | -20.6% | |
| 2017 | $1.65 | $1.69 | +142.6% | |
| 2016 | $0.68 | $0.69 | +41.7% | |
| 2015 | $0.48 | $0.49 | +45.5% | |
| 2014 | $0.33 | $0.34 | — |
| Report Date | Filed | Accession Number | |
|---|---|---|---|
| 2025-12-31 | 2026-02-18 | 0001448893-26-000009 | SEC ↗ |
| 2024-12-31 | 2025-02-19 | 0001448893-25-000009 | SEC ↗ |
| 2023-12-31 | 2024-02-16 | 0001448893-24-000015 | SEC ↗ |
| 2022-12-31 | 2023-02-17 | 0001448893-23-000013 | SEC ↗ |
| 2021-12-31 | 2022-02-16 | 0001448893-22-000016 | SEC ↗ |
| 2020-12-31 | 2021-02-26 | 0001448893-21-000021 | SEC ↗ |
| 2019-12-31 | 2020-02-18 | 0001448893-20-000015 | SEC ↗ |
| 2018-12-31 | 2019-02-19 | 0001448893-19-000015 | SEC ↗ |
| 2017-12-31 | 2018-02-20 | 0001448893-18-000023 | SEC ↗ |
| 2016-12-31 | 2017-02-16 | 0001628280-17-001400 | SEC ↗ |