Essent Group Ltd. Announces Third Quarter 2026 Results and Declares Quarterly Dividend

Essent Group Ltd. Announces Third Quarter 2026 Results and Declares Quarterly Dividend

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Q: What were Essent Group's third-quarter 2026 earnings?

Q: When will Essent Group pay its quarterly dividend?

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What were Essent Group's third-quarter 2026 earnings?

When will Essent Group pay its quarterly dividend?

Essent earned $163.4 million, or $1.82 per diluted share, for the quarter ended September 30, 2026. A year earlier, net income was $164.2 million and diluted earnings were $1.67 per share.

Essent will pay its $0.35 per common share quarterly cash dividend on December 10, 2026, to shareholders of record on December 1, 2026.

Holding-company cash and investments available for sale fell to $959.062 million from $1,268.579 million at year-end 2025.

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Essent Group (NYSE: ESNT) reported third-quarter 2026 net income of $163.4 million and declared a quarterly cash dividend. Diluted earnings per share rose to $1.82 from $1.67 a year earlier, while net income edged down from $164.2 million. Revenue increased to $374.183 million from $311.830 million, but provisions for losses and loss adjustment expenses rose to $83.489 million from $44.922 million.

Mortgage new insurance written was $12.1 billion, versus $14.1 billion in the previous quarter and $12.2 billion a year earlier. Nine-month reinsurance net premiums written reached $330.3 million, versus $49.3 million. Essent repurchased 7.7 million shares for $474 million through October 31 and approved a $500 million repurchase authorization through year-end 2028. The $0.35 quarterly dividend is payable December 10, 2026, to holders of record December 1.

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0 major · 10 points

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Major pointShare repurchases totaled 7.7 million shares for $474 million year-to-date through October 31, 2026. 7.7% of market cap
Moderate pointThird-quarter diluted earnings rose to $1.82 per share from $1.67 a year earlier.
Moderate pointThird-quarter revenue increased to $374.183 million from $311.830 million a year earlier.
Moderate pointNovember approval added a $500 million share repurchase authorization running through year-end 2028. 8.1% of market cap
Moderate pointNine-month reinsurance net premiums written rose to $330.3 million from $49.3 million in 2025.
Moderate pointNine-month net investment income increased 4% to $183.8 million from the comparable 2025 period.
Moderate pointSeptember book value per share was $62.58, above $58.86 a year earlier but below June's $63.01.
Moderate pointThird-quarter annualized return on average equity reached 11.7%, versus 11.5% a year earlier but 13.4% in June.

3 minor points

Minor pointMortgage insurance in force reached $250.1 billion, versus $249.7 billion in June and $248.8 billion a year earlier.
Minor pointNine-month diluted earnings increased to $5.71 per share from $5.29 in the comparable 2025 period.
Minor pointThird-quarter interest expense declined to $8.162 million from $8.251 million a year earlier.

Moderate pointThird-quarter net income fell to $163.376 million from $164.215 million a year earlier and $189.714 million in June.
Moderate pointThird-quarter loss and loss-adjustment expense provisions rose to $83.489 million from $44.922 million a year earlier.
Moderate pointThird-quarter underwriting and operating expenses rose to $83.490 million from $59.498 million a year earlier.
Moderate pointMortgage new insurance written fell to $12.1 billion, versus $14.1 billion sequentially and $12.2 billion a year earlier.
Moderate pointLoss and loss-adjustment expense reserves increased to $585.478 million from $446.822 million at year-end 2025.
Moderate pointStockholders' equity fell to $5,555.065 million from $5,756.727 million at year-end 2025.
Moderate pointHolding-company cash and investments available for sale fell to $959.062 million from $1,268.579 million at year-end 2025.

3 minor points

Minor pointNine-month net income declined to $524.889 million from $534.987 million in the comparable 2025 period.
Minor pointThird-quarter realized investment losses widened to $1.626 million from $0.425 million a year earlier.
Minor pointThird-quarter comprehensive loss was $5.607 million, versus comprehensive income of $214.456 million a year earlier.

Net income: $163.4 million (vs. $164.2 million) Diluted EPS: $1.82 (vs. $1.67) Quarterly cash dividend: $0.35 per common share +5 more

Net income: $163.4 million (vs. $164.2 million); Quarter ended September 30, 2026 vs. same quarter in 2025
Diluted EPS: $1.82 (vs. $1.67); Quarter ended September 30, 2026 vs. same quarter in 2025
Quarterly cash dividend: $0.35 per common share; Declared by the Board
Mortgage new insurance written: $12.1 billion; Third quarter 2026
Mortgage insurance in force: $250.1 billion; As of September 30, 2026
Reinsurance net premiums written: $330.3 million (vs. $49.3 million); Nine months ended September 30, 2026 vs. same period in 2025
Shares repurchased: 7.7 million shares for $474 million; Year-to-date through October 31, 2026
Share repurchase authorization: $500 million; Board-approved authorization runs through year-end 2028

1 past event · Latest: Aug 07

Same Type 1 event

Aug 07
2Q26 earnings

24h Move

+4.9%

Reported $189.7 million net income and $14.1 billion mortgage new insurance written.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

diluted share, reinsurance, net premiums written, return on average equity

4 terms

reinsurance technical

"mortgage insurance and reinsurance franchise"

Reinsurance is when insurance companies buy insurance for themselves to protect against very big losses. It’s like a car owner getting extra coverage from another company so that if there's a serious accident, the financial hit isn’t all on one company. This helps insurance companies stay stable and able to pay out when disasters happen.

net premiums written financial

"Reinsurance net premiums written for the nine months ended"

Net premiums written is the total amount of insurance premium a company has agreed to collect from customers for new and renewed policies during a period, after subtracting premiums it passes on to other insurers (reinsurance) and cancellations. It matters to investors because it shows the insurer’s actual sales growth and risk retained—like a retailer’s sales after returns and wholesale transfers—so rising net premiums written can signal stronger future revenue and underwriting exposure.

return on average equity financial

"The 2026 return on average equity is calculated by dividing"

Return on average equity (ROAE) measures how much profit a company generates for its shareholders’ invested capital over a period, calculated by dividing net profit by the average shareholder equity during that period. It matters to investors because it shows how efficiently management turns owners’ money into earnings—like how much bread a baker bakes from the same oven space—helping compare profitability across companies and track performance over time.

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11/06/2026 - 06:30 AM EST

HAMILTON, Bermuda, Nov. 06, 2026 (GLOBE NEWSWIRE) -- Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended September 30, 2026 of $163.4 million or $1.82 per diluted share, compared to $164.2 million or $1.67 per diluted share for the quarter ended September 30, 2025.

Essent also announced today that its Board of Directors has declared a quarterly cash dividend of $0.35 per common share. The dividend is payable on December 10, 2026 to shareholders of record on December 1, 2026.

“Our third quarter results reflect the earnings power of our mortgage insurance and reinsurance franchise,” said Mark A. Casale, Chairman and Chief Executive Officer. “With the solid credit quality of our insurance in force and our strong capital position, we are well positioned to deliver high-quality earnings with continued flexibility to invest in the business and return capital to shareholders.”

Financial Highlights:

Mortgage new insurance written for the third quarter of 2026 was $12.1 billion, compared to $14.1 billion in the second quarter of 2026 and $12.2 billion in the third quarter of 2025.
Mortgage insurance in force as of September 30, 2026 was $250.1 billion, compared to $249.7 billion as of June 30, 2026 and $248.8 billion as of September 30, 2025.
Reinsurance net premiums written for the nine months ended September 30, 2026 were $330.3 million, compared to $49.3 million in the same period of 2025.
Net investment income for the nine months ended September 30, 2026 was $183.8 million, up 4% from the comparable period in 2025.
Year-to-date through October 31, 2026, Essent repurchased 7.7 million common shares for $474 million.
In November 2026, our Board approved a $500 million share repurchase authorization that runs through year-end 2028.

Conference Call:

Essent management will hold a conference call at 10:00 AM Eastern time today to discuss its results. The conference call will be broadcast live over the Internet at http://ir.essentgroup.com/events-and-presentations/events/default.aspx.

Participants interested in joining the call’s live question and answer session are required to pre-register by clicking here to obtain a dial-in number and unique PIN. It is recommended that participants join 15 minutes prior to the event start, although they may register ahead of the call and dial in at any time during the call.

A replay of the webcast will be available on the Essent website approximately two hours after the live broadcast ends for a period of one year.

In addition to the information provided in the Company's earnings news release, other statistical and financial information, which may be referred to during the conference call, will be available on Essent's website at http://ir.essentgroup.com/financials/quarterly-results/default.aspx.

Forward-Looking Statements:

This press release may include “forward-looking statements” which are subject to known and unknown risks and uncertainties, many of which may be beyond our control. Forward-looking statements generally can be identified by the use of forward-looking terminology such as "may," "will," “should,” “expect,” "plan," "anticipate," "believe," “estimate,” “predict,” or "potential" or the negative thereof or variations thereon or similar terminology. Actual events, results and outcomes may differ materially from our expectations due to a variety of known and unknown risks, uncertainties and other factors. Although it is not possible to identify all of these risks and factors, they include, among others, the following: changes in or to Fannie Mae and Freddie Mac (the “GSEs”), whether through Federal legislation, restructurings or a shift in business practices; failure to continue to meet the mortgage insurer eligibility requirements of the GSEs; competition for customers or the loss of a significant customer; lenders or investors seeking alternatives to private mortgage insurance; an increase in the number of loans insured through Federal government mortgage insurance programs; decline in the volume of low down payment mortgage originations; uncertainty of loss reserve estimates; decrease in the length of time our insurance policies are in force; deteriorating economic conditions; and other risks and factors described in Part I, Item 1A “Risk Factors” of our Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission on February 18, 2026, as subsequently updated through other reports we file with the Securities and Exchange Commission. Any forward-looking information presented herein is made only as of the date of this press release, and we do not undertake any obligation to update or revise any forward-looking information to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise.

About the Company:

Essent Group Ltd. (NYSE: ESNT) is a Bermuda-based holding company (collectively with its subsidiaries, “Essent”) offering private mortgage insurance, reinsurance, and title insurance and settlement services to serve the housing finance industry. Additional information regarding Essent may be found at www.essentgroup.com.

Source: Essent Group Ltd.

Media Contact

610.230.0556
media@essentgroup.com

Investor Relations Contact
Frank Fanto
Manager, Investor Relations
855-809-ESNT
ir@essentgroup.com



Essent Group Ltd. and Subsidiaries
Financial Results and Supplemental Information (Unaudited)
Quarter Ended September 30, 2026


Exhibit A		Condensed Consolidated Statements of Comprehensive Income (Unaudited)
Exhibit B		Condensed Consolidated Balance Sheets (Unaudited)
Exhibit C		Consolidated Historical Quarterly Data (Unaudited)
Exhibit D		Year-to-Date Segment Results (Unaudited)
Exhibit E		Historical Quarterly Segment Information (Unaudited)
Exhibit F		Mortgage Insurance - Historical Quarterly Data
Exhibit G		Mortgage Insurance - New Insurance Written
Exhibit H		Mortgage Insurance - Insurance in Force and Risk in Force
Exhibit I		Mortgage Insurance - Vintage Data
Exhibit J		Mortgage Insurance - Outward Reinsurance Vintage Data
Exhibit K		Mortgage Insurance - Geographic Data
Exhibit L		Mortgage Insurance - Rollforward of Defaults and Reserve for Losses and LAE
Exhibit M		Mortgage Insurance - Detail of Reserves by Default Delinquency
Exhibit N		U.S. Mortgage Insurance Company Capital
Exhibit O		Reinsurance
Exhibit P		Cash & Investments
Exhibit Q		Book Value Per Share Inclusive of Common Dividends & Reconciliation of Non-GAAP Financial Measures

										Exhibit A

Essent Group Ltd. and Subsidiaries
Condensed Consolidated Statements of Comprehensive Income (Unaudited)


	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands, except per share amounts)		2026			2025			2026			2025
Revenues:
Gross premiums written	$	342,429		$	280,796		$	1,116,059		$	828,062
Ceded premiums		(39,555	)		(38,968	)		(111,231	)		(106,475	)
Net premiums written		302,874			241,828			1,004,828			721,587
(Increase) decrease in unearned premiums		(12,202	)		4,504			(177,299	)		19,402
Net premiums earned		290,672			246,332			827,529			740,989
Net investment income		62,952			59,795			183,819			177,294
Realized investment gains (losses), net		(1,626	)		(425	)		(1,884	)		(735	)
Income from other invested assets		10,724			1,770			40,288			13,644
Other income		11,461			4,358			23,189			17,339
Total revenues		374,183			311,830			1,072,941			948,531

Losses and expenses:
Provision for losses and LAE		83,489			44,922			180,666			93,264
Other underwriting and operating expenses		83,490			59,498			231,731			193,387
Interest expense		8,162			8,251			24,458			24,547
Total losses and expenses		175,141			112,671			436,855			311,198

Income before income taxes		199,042			199,159			636,086			637,333
Income tax expense		35,666			34,944			111,197			102,346
Net income	$	163,376		$	164,215		$	524,889		$	534,987


Earnings per share:
Basic	$	1.84		$	1.69		$	5.76		$	5.35
Diluted		1.82			1.67			5.71			5.29

Weighted average shares outstanding:
Basic		88,964			97,400			91,156			100,086
Diluted		89,774			98,519			91,894			101,155

Net income	$	163,376		$	164,215		$	524,889		$	534,987

Other comprehensive income (loss):
Unrealized appreciation (depreciation) of investments		(168,983	)		50,241			(207,660	)		138,559
Comprehensive income (loss)	$	(5,607	)	$	214,456		$	317,229		$	673,546

				Exhibit B

Essent Group Ltd. and Subsidiaries
Condensed Consolidated Balance Sheets (Unaudited)


	September 30,			December 31,
(In thousands, except per share amounts)		2026			2025
*Assets*
Investments
Fixed maturities available for sale, at fair value	$	5,367,841		$	5,455,593
Short-term investments available for sale, at fair value		504,142			648,492
Total investments available for sale		5,871,983			6,104,085
Other invested assets		451,948			382,513
Total investments		6,323,931			6,486,598
Cash		160,670			123,049
Accrued investment income		46,662			47,371
Accounts receivable		186,991			51,267
Deferred policy acquisition costs		74,010			9,547
Property, equipment and software, net		46,556			49,189
Prepaid federal income tax		488,825			513,425
Goodwill and acquired intangible assets, net		77,101			78,153
Other assets		153,463			82,404
Total assets	$	7,558,209		$	7,441,003

*Liabilities and Stockholders' Equity*
Liabilities
Reserve for losses and LAE	$	585,478		$	446,822
Unearned premium reserve		269,029			91,730
Net deferred tax liability		422,475			465,351
Senior notes due 2029, net		496,308			495,301
Other accrued liabilities		229,854			185,072
Total liabilities		2,003,144			1,684,276

Commitments and contingencies

Stockholders' Equity
Common shares, $0.015 par value:
Authorized - 233,333; issued and outstanding - 88,769 shares in 2026 and 95,456 shares in 2025		1,332			1,432
Additional paid-in capital		227,604			649,895
Accumulated other comprehensive loss		(359,645	)		(151,985	)
Retained earnings		5,685,774			5,257,385
Total stockholders' equity		5,555,065			5,756,727

Total liabilities and stockholders' equity	$	7,558,209		$	7,441,003

Return on average equity (1)		12.4	%		12.1	%

(1) The 2026 return on average equity is calculated by dividing annualized year-to-date 2026 net income by average equity. The 2025 return on average equity is calculated by dividing full year 2025 net income by average equity.

													Exhibit C
Essent Group Ltd. and Subsidiaries
Supplemental Information
Consolidated Historical Quarterly Data (Unaudited)

		2026									2025
	September 30			June 30			March 31			December 31			September 30
(In thousands, except per share amounts)
Revenues:
Net premiums earned	$	290,672		$	276,764		$	260,093		$	242,729		$	246,332
Net investment income		62,952			61,612			59,255			59,223			59,795
Realized investment gains (losses), net		(1,626	)		(111	)		(147	)		(188	)		(425	)
Income from other invested assets		10,724			19,385			10,179			3,942			1,770
Other income (1)		11,461			5,036			6,692			6,698			4,358
Total revenues		374,183			362,686			336,072			312,404			311,830

Losses and expenses:
Provision for losses and LAE		83,489			48,961			48,216			56,073			44,922
Other underwriting and operating expenses		83,490			75,258			72,983			63,653			59,498
Interest expense		8,162			8,148			8,148			8,149			8,251
Total losses and expenses		175,141			132,367			129,347			127,875			112,671

Income before income taxes		199,042			230,319			206,725			184,529			199,159
Income tax expense (2)		35,666			40,605			34,926			29,547			34,944
Net income	$	163,376		$	189,714		$	171,799		$	154,982		$	164,215

Earnings per share:
Basic	$	1.84		$	2.09		$	1.83		$	1.62		$	1.69
Diluted		1.82			2.08			1.82			1.60			1.67

Weighted average shares outstanding:
Basic		88,964			90,740			93,818			95,772			97,400
Diluted		89,774			91,389			94,572			96,664			98,519

Book value per share	$	62.58		$	63.01		$	61.20		$	60.31		$	58.86
Return on average equity (annualized)		11.7	%		13.4	%		12.0	%		10.8	%		11.5	%

Senior debt & credit facility:
Borrowings outstanding	$	500,000		$	500,000		$	500,000		$	500,000		$	500,000
Undrawn committed capacity	$	500,000		$	500,000		$	500,000		$	500,000		$	500,000
Weighted average interest rate (end of period)		6.25	%		6.25	%		6.25	%		6.25	%		6.25	%
Debt-to-capital		8.26	%		8.11	%		8.07	%		7.99	%		8.01	%

Cash and investments available for sale at the holding companies	$	959,062		$	1,108,667		$	1,144,112		$	1,268,579		$	1,038,747

(1) Other income includes net favorable (unfavorable) changes in the fair value of embedded derivatives associated with certain of our third-party reinsurance agreements, which for the quarters ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, and September 30, 2025, were $5,693, ($323), $37, ($526), and ($858), respectively.
(2) Income tax expense for the quarters ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, and September 30, 2025 includes $3,440, $3,954, $2,407, $366, and $493, respectively, of discrete tax expense associated with realized and unrealized gains. Income tax expense for the quarters ended December 31, 2025 and September 30, 2025 also includes ($396) and ($828), respectively, of discrete tax benefits associated with prior year tax returns. Income tax expense for the quarter ended March 31, 2026 also includes ($1,067) of excess tax benefits associated with the vesting of common shares and common share units.

																						Exhibit D
Essent Group Ltd. and Subsidiaries
Supplemental Information
Year-to-Date Segment Results (Unaudited)

The following tables set forth comparative financial information for our two reportable business segments, Mortgage Insurance and Reinsurance, our Corporate & Other category and our consolidated results for the nine months ended September 30, 2026 and 2025 (unaudited). Our Corporate & Other category is used to reconcile our reportable business segments to consolidated results and includes business activities associated with our title insurance operations, income and losses from holding company treasury operations, and general corporate operating expenses not attributable to our operating segments.

	Nine Months Ended September 30, 2026												Nine Months Ended September 30, 2025
(In thousands)	Mortgage Insurance			Reinsurance			Corporate & Other			Consolidated			Mortgage Insurance			Reinsurance			Corporate & Other			Consolidated
Revenues:
Net premiums earned	$	642,283		$	136,993		$	48,253		$	827,529		$	654,069		$	45,913		$	41,007		$	740,989
Net investment income		132,540			16,299			34,980			183,819			130,731			15,358			31,205			177,294
Realized investment gains (losses), net		(1,893	)		—			9			(1,884	)		(652	)		—			(83	)		(735	)
Income from other invested assets		24,690			—			15,598			40,288			6,223			—			7,421			13,644
Other income		10,551			5,487			7,151			23,189			3,962			6,453			6,924			17,339
Total revenues		808,171			158,779			105,991			1,072,941			794,333			67,724			86,474			948,531

Losses and expenses:
Provision for losses and LAE		118,720			59,684			2,262			180,666			90,213			105			2,946			93,264

Compensation and benefits		46,651			5,668			46,035			98,354			49,665			3,586			46,336			99,587
Premium and other taxes		17,981			44			1,442			19,467			17,558			35			1,735			19,328
Acquisition costs, net (3)		(23,142	)		38,382			—			15,240			(20,257	)		1,129			—			(19,128	)
Other underwriting and operating expenses		32,272			2,916			63,482			98,670			29,868			2,658			61,074			93,600
Net operating expenses before allocations		73,762			47,010			110,959			231,731			76,834			7,408			109,145			193,387
Corporate expense allocations		27,645			1,962			(29,607	)		—			28,864			975			(29,839	)		—
Operating expenses after allocations		101,407			48,972			81,352			231,731			105,698			8,383			79,306			193,387
Interest expense		—			—			24,458			24,458			—			—			24,547			24,547
Income (loss) before income taxes	$	588,044		$	50,123		$	(2,081	)	$	636,086		$	598,422		$	59,236		$	(20,325	)	$	637,333

Loss ratio (1)		18.5	%		43.6	%								13.8	%		0.2	%
Expense ratio (2)		15.8	%		35.7	%								16.2	%		18.3	%
Combined ratio		34.3	%		79.3	%								30.0	%		18.5	%

(1) Loss ratio is calculated by dividing the provision for losses and LAE by net premiums earned.
(2) Expense ratio is calculated by dividing operating expenses after allocations by net premiums earned.
(3) Acquisition costs are net of ceding commissions earned on outward reinsurance and include ceding commissions incurred on reinsurance assumed.

													Exhibit E
Essent Group Ltd. and Subsidiaries
Supplemental Information
Historical Quarterly Segment Information
(Unaudited)

	Mortgage Insurance
		2026									2025
	September 30			June 30			March 31			December 31			September 30
($ in thousands)
Revenues:
Net premiums earned	$	210,958		$	215,662		$	215,663		$	212,674		$	215,683
Net investment income		46,218			43,965			42,357			43,627			44,265
Realized investment gains (losses), net		(1,611	)		(94	)		(188	)		(218	)		(427	)
Income (loss) from other invested assets		5,953			12,975			5,762			2,044			(605	)
Other income		7,412			1,396			1,743			1,149			800
Total revenues		268,930			273,904			265,337			259,276			259,716

Losses and expenses:
Provision for losses and LAE		51,709			29,391			37,620			55,160			44,170

Compensation and benefits		15,136			14,898			16,617			14,727			15,388
Premium and other taxes		5,993			5,996			5,992			6,038			6,010
Acquisition costs, net (3)		(7,994	)		(7,770	)		(7,378	)		(7,234	)		(7,057	)
Other underwriting and operating expenses		10,743			10,695			10,834			11,523			9,735
Net operating expenses before allocations		23,878			23,819			26,065			25,054			24,076
Corporate expense allocations		8,017			8,086			11,542			9,213			7,081
Operating expenses after allocations		31,895			31,905			37,607			34,267			31,157
Income before income taxes	$	185,326		$	212,608		$	190,110		$	169,849		$	184,389

Loss ratio (1)		24.5	%		13.6	%		17.4	%		25.9	%		20.5	%
Expense ratio (2)		15.1	%		14.8	%		17.4	%		16.1	%		14.4	%
Combined ratio		39.6	%		28.4	%		34.8	%		42.0	%		34.9	%

(1) Loss ratio is calculated by dividing the provision for losses and LAE by net premiums earned.
(2) Expense ratio is calculated by dividing operating expenses after allocations by net premiums earned.
(3) Acquisition costs are net of ceding commissions earned on outward reinsurance and include ceding commissions incurred on reinsurance assumed.

										Exhibit E, continued
Essent Group Ltd. and Subsidiaries
Supplemental Information
Historical Quarterly Segment Information (Unaudited)


	Reinsurance
		2026									2025
	September 30			June 30			March 31			December 31			September 30
($ in thousands)
Revenues:
Net premiums earned	$	64,044		$	43,639		$	29,310		$	14,696		$	16,304
Net investment income		5,541			6,088			4,670			4,913			5,302
Realized investment gains, net		—			—			—			6			—
Other income		2,171			1,345			1,971			2,255			1,591
Total revenues		71,756			51,072			35,951			21,870			23,197

Losses and expenses:
Provision for losses and LAE		31,032			18,723			9,929			206			65

Compensation and benefits		1,702			1,781			2,185			961			1,180
Premium and other taxes		12			14			18			17			8
Acquisition costs, net (3)		19,791			11,849			6,742			763			487
Other underwriting and operating expenses		949			987			980			996			890
Net operating expenses before allocations		22,454			14,631			9,925			2,737			2,565
Corporate expense allocations		758			653			551			516			502
Operating expenses after allocations		23,212			15,284			10,476			3,253			3,067
Income before income taxes	$	17,512		$	17,065		$	15,546		$	18,411		$	20,065

Loss ratio (1)		48.5	%		42.9	%		33.9	%		1.4	%		0.4	%
Expense ratio (2)		36.2	%		35.0	%		35.7	%		22.1	%		18.8	%
Combined ratio		84.7	%		77.9	%		69.6	%		23.5	%		19.2	%

(1) Loss ratio is calculated by dividing the provision for losses and LAE by net premiums earned.
(2) Expense ratio is calculated by dividing operating expenses after allocations by net premiums earned.
(3) Acquisition costs are net of ceding commissions earned on outward reinsurance and include ceding commissions incurred on reinsurance assumed.

										Exhibit E, continued
Essent Group Ltd. and Subsidiaries
Supplemental Information
Historical Quarterly Segment Information
(Unaudited)

	Corporate & Other
		2026									2025
	September 30			June 30			March 31			December 31			September 30
($ in thousands)
Revenues:
Net premiums earned	$	15,670		$	17,463		$	15,120		$	15,359		$	14,345
Net investment income		11,193			11,559			12,228			10,683			10,228
Realized investment gains (losses), net		(15	)		(17	)		41			24			2
Income from other invested assets		4,771			6,410			4,417			1,898			2,375
Other income		1,878			2,295			2,978			3,294			1,967
Total revenues		33,497			37,710			34,784			31,258			28,917

Losses and expenses:
Provision for losses and LAE		748			847			667			707			687

Compensation and benefits		14,357			13,825			17,853			14,675			12,608
Premium and other taxes		461			545			436			446			(88	)
Other underwriting and operating expenses		22,340			22,438			18,704			20,741			20,337
Net operating expenses before allocations		37,158			36,808			36,993			35,862			32,857
Corporate expense allocations		(8,775	)		(8,739	)		(12,093	)		(9,729	)		(7,583	)
Operating expenses after allocations		28,383			28,069			24,900			26,133			25,274
Interest expense		8,162			8,148			8,148			8,149			8,251
Income (loss) before income taxes	$	(3,796	)	$	646		$	1,069		$	(3,731	)	$	(5,295	)


	Consolidated
		2026									2025
	September 30			June 30			March 31			December 31			September 30
($ in thousands)
Revenues:
Net premiums earned	$	290,672		$	276,764		$	260,093		$	242,729		$	246,332
Net investment income		62,952			61,612			59,255			59,223			59,795
Realized investment gains (losses), net		(1,626	)		(111	)		(147	)		(188	)		(425	)
Income from other invested assets		10,724			19,385			10,179			3,942			1,770
Other income		11,461			5,036			6,692			6,698			4,358
Total revenues		374,183			362,686			336,072			312,404			311,830

Losses and expenses:
Provision for losses and LAE		83,489			48,961			48,216			56,073			44,922

Compensation and benefits		31,195			30,504			36,655			30,363			29,176
Premium and other taxes		6,466			6,555			6,446			6,501			5,930
Acquisition costs, net (1)		11,797			4,079			(636	)		(6,471	)		(6,570	)
Other underwriting and operating expenses		34,032			34,120			30,518			33,260			30,962
Total other underwriting and operating expenses		83,490			75,258			72,983			63,653			59,498
Interest expense		8,162			8,148			8,148			8,149			8,251
Income before income taxes	$	199,042		$	230,319		$	206,725		$	184,529		$	199,159

(1) Acquisition costs are net of ceding commissions earned on outward reinsurance and include ceding commissions incurred on reinsurance assumed.

										Exhibit F
Essent Group Ltd. and Subsidiaries
Supplemental Information
Mortgage Insurance - Historical Quarterly Data


		2026									2025
	September 30			June 30			March 31			December 31			September 30
($ in thousands)
New insurance written	$	12,129,030		$	14,144,104		$	11,076,190		$	11,840,227		$	12,233,252
New risk written	$	3,325,569		$	3,822,560		$	2,893,697		$	3,030,169		$	3,239,497

Average insurance in force	$	249,915,876		$	248,468,781		$	247,838,392		$	248,695,560		$	247,821,046
Insurance in force (end of period)	$	250,062,714		$	249,720,234		$	247,909,417		$	248,356,397		$	248,808,341
Gross risk in force (end of period) (1)	$	68,680,150		$	68,465,872		$	67,916,263		$	68,053,447		$	68,262,577
Risk in force (end of period)	$	56,307,106		$	56,435,078		$	56,271,605		$	56,519,839		$	56,940,929
Policies in force		795,678			801,140			801,394			807,230			812,856
Weighted average coverage (2)		27.5	%		27.4	%		27.4	%		27.4	%		27.4	%
Annual persistency		83.3	%		84.0	%		84.7	%		85.7	%		86.0	%

Loans in default (count)		21,919			20,278			20,332			20,210			18,583
Percentage of loans in default		2.75	%		2.53	%		2.54	%		2.50	%		2.29	%

Base average premium rate (3)		0.40	%		0.40	%		0.41	%		0.41	%		0.41	%
Single premium cancellation (4)		—	%		—	%		—	%		—	%		—	%
Gross average premium rate		0.40	%		0.40	%		0.41	%		0.41	%		0.41	%
Ceded premiums		(0.06	%)		(0.05	%)		(0.06	%)		(0.07	%)		(0.06	%)
Net average premium rate		0.34	%		0.35	%		0.35	%		0.34	%		0.35	%


(1) Gross risk in force includes risk ceded under third-party outward reinsurance.
(2) Weighted average coverage is calculated by dividing end of period gross risk in force by end of period insurance in force.
(3) Base average premium rate is calculated by dividing annualized base premiums earned by average insurance in force for the period.
(4) Single premium cancellation is calculated by dividing annualized premiums on the cancellation of non-refundable single premium policies by average insurance in force for the period.

																Exhibit G

Essent Group Ltd. and Subsidiaries
Supplemental Information
Mortgage Insurance - New Insurance Written


NIW by Credit Score (1)
	Three Months Ended										Nine Months Ended
	September 30, 2026					September 30, 2025					September 30, 2026					September 30, 2025
($ in thousands)
>=760	$	5,799,145		47.8	%	$	6,356,576		52.0	%	$	18,935,483		50.7	%	$	17,372,805		50.0	%
740-759		1,685,866		13.9			1,889,181		15.4			5,363,112		14.4			5,623,462		16.2
720-739		1,608,936		13.3			1,485,477		12.2			4,618,620		12.4			4,384,395		12.6
700-719		1,525,854		12.6			1,257,054		10.3			4,269,770		11.4			3,742,854		10.8
680-699		850,205		7.0			691,114		5.6			2,335,128		6.2			1,997,765		5.8
<=679		659,024		5.4			553,850		4.5			1,827,211		4.9			1,602,038		4.6
Total	$	12,129,030		100.0	%	$	12,233,252		100.0	%	$	37,349,324		100.0	%	$	34,723,319		100.0	%

Weighted average credit score		750					754					752					753



NIW by LTV
	Three Months Ended										Nine Months Ended
	September 30, 2026					September 30, 2025					September 30, 2026					September 30, 2025
($ in thousands)
85.00% and below	$	819,368		6.8	%	$	1,129,090		9.2	%	$	3,206,238		8.6	%	$	2,992,346		8.6	%
85.01% to 90.00%		2,977,826		24.6			3,099,275		25.3			9,617,572		25.7			8,335,451		24.0
90.01% to 95.00%		6,355,555		52.3			6,200,624		50.8			18,706,492		50.1			17,870,142		51.5
95.01% and above		1,976,281		16.3			1,804,263		14.7			5,819,022		15.6			5,525,380		15.9
Total	$	12,129,030		100.0	%	$	12,233,252		100.0	%	$	37,349,324		100.0	%	$	34,723,319		100.0	%

Weighted average LTV		93	%				93	%				93	%				93	%



NIW by Product
	Three Months Ended										Nine Months Ended
	September 30, 2026					September 30, 2025					September 30, 2026					September 30, 2025
Single premium policies				1.1	%				1.3	%				1.4	%				1.3	%
Monthly premium policies				98.9					98.7					98.6					98.7
				100.0	%				100.0	%				100.0	%				100.0	%



NIW by Purchase vs. Refinance
	Three Months Ended										Nine Months Ended
	September 30, 2026					September 30, 2025					September 30, 2026					September 30, 2025
Purchase				94.3	%				90.5	%				85.2	%				92.4	%
Refinance				5.7					9.5					14.8					7.6
				100.0	%				100.0	%				100.0	%				100.0	%

(1) Beginning in the second quarter of 2026, a de minimis amount of NIW was submitted with a VantageScore credit score rather than a FICO credit score.

														Exhibit H
Essent Group Ltd. and Subsidiaries
Supplemental Information
Mortgage Insurance - Insurance in Force and Risk in Force

Portfolio by Credit Score (1)
Insurance in Force	September 30, 2026					June 30, 2026					September 30, 2025
($ in thousands)
>=760	$	106,260,390		42.5	%	$	105,982,606		42.4	%	$	103,261,791		41.5	%
740-759		42,594,167		17.0			42,848,263		17.2			43,372,715		17.4
720-739		37,316,885		14.9			37,328,645		14.9			38,113,923		15.3
700-719		32,675,313		13.1			32,515,464		13.1			32,834,985		13.2
680-699		19,306,409		7.7			19,282,243		7.7			19,625,586		7.9
<=679		11,909,550		4.8			11,763,013		4.7			11,599,341		4.7
Total	$	250,062,714		100.0	%	$	249,720,234		100.0	%	$	248,808,341		100.0	%

Weighted average credit score		747					747					746

Risk in Force	September 30, 2026					June 30, 2026					September 30, 2025
($ in thousands)
>=760	$	28,898,331		42.1	%	$	28,763,509		42.1	%	$	28,056,444		41.0	%
740-759		11,849,960		17.3			11,895,196		17.4			12,054,702		17.7
720-739		10,389,729		15.1			10,371,860		15.1			10,587,116		15.5
700-719		9,125,308		13.3			9,068,601		13.2			9,155,794		13.4
680-699		5,363,366		7.8			5,347,877		7.8			5,429,039		8.0
<=679		3,053,456		4.4			3,018,829		4.4			2,979,482		4.4
Total	$	68,680,150		100.0	%	$	68,465,872		100.0	%	$	68,262,577		100.0	%

Portfolio by LTV
Insurance in Force	September 30, 2026					June 30, 2026					September 30, 2025
($ in thousands)
85.00% and below	$	15,375,886		6.1	%	$	15,285,556		6.1	%	$	14,398,904		5.8	%
85.01% to 90.00%		54,278,721		21.7			56,279,141		22.5			58,982,107		23.7
90.01% to 95.00%		134,922,918		54.0			133,466,114		53.5			131,889,655		53.0
95.01% and above		45,485,189		18.2			44,689,423		17.9			43,537,675		17.5
Total	$	250,062,714		100.0	%	$	249,720,234		100.0	%	$	248,808,341		100.0	%

Weighted average LTV		93	%				93	%				93	%

Risk in Force	September 30, 2026					June 30, 2026					September 30, 2025
($ in thousands)
85.00% and below	$	1,801,180		2.6	%	$	1,788,794		2.6	%	$	1,696,592		2.5	%
85.01% to 90.00%		13,278,285		19.3			13,776,656		20.1			14,526,528		21.3
90.01% to 95.00%		39,792,077		58.0			39,355,100		57.5			38,895,352		57.0
95.01% and above		13,808,608		20.1			13,545,322		19.8			13,144,105		19.2
Total	$	68,680,150		100.0	%	$	68,465,872		100.0	%	$	68,262,577		100.0	%

Portfolio by Loan Amortization Period
Insurance in Force	September 30, 2026					June 30, 2026					September 30, 2025
($ in thousands)
FRM 30 years and higher	$	241,446,072		96.5	%	$	241,429,013		96.7	%	$	242,770,621		97.6	%
FRM 20-25 years		1,792,255		0.7			1,733,836		0.6			1,070,635		0.4
FRM 15 years		2,403,233		1.0			2,385,701		1.0			1,664,866		0.7
ARM 5 years and higher		4,421,154		1.8			4,171,684		1.7			3,302,219		1.3
Total	$	250,062,714		100.0	%	$	249,720,234		100.0	%	$	248,808,341		100.0	%

(1) Beginning in the second quarter of 2026, a de minimis amount of active policies were submitted with a VantageScore credit score rather than a FICO credit score.

																							Exhibit I

Essent Group Ltd. and Subsidiaries
Supplemental Information
Mortgage Insurance - Vintage Data
September 30, 2026


								Insurance in Force
Year	Original Insurance Written ($ in thousands)		Remaining Insurance in Force ($ in thousands)		% Remaining of Original Insurance		Number of Policies in Force	Weighted Average Coupon		% Purchase		>90% LTV		>95% LTV		Credit Score < 700		Credit Score >= 760		Incurred Loss Ratio (Inception to Date) (1)		Number of Loans in Default	Percentage of Loans in Default

2010 - 2016	$	121,811,826	$	2,295,990	1.9	%	12,647	4.19	%	71.3	%	52.4	%	3.3	%	12.8	%	45.9	%	2.1	%	531	4.20	%
2017		43,858,322		1,846,233	4.2		12,005	4.39		87.8		75.5		33.3		24.5		33.3		2.7		711	5.92
2018		47,508,525		3,105,809	6.5		18,723	4.85		95.0		85.4		33.2		23.3		30.3		3.6		1,035	5.53
2019		63,569,183		6,767,027	10.6		35,531	4.29		91.1		85.2		31.5		20.8		32.3		3.3		1,471	4.14
2020		107,944,065		20,915,074	19.4		90,422	3.25		80.7		82.0		19.7		11.8		42.8		2.6		2,322	2.57
2021		84,218,250		34,888,102	41.4		124,463	3.12		94.2		77.0		20.1		13.8		39.4		6.3		3,697	2.97
2022		63,061,262		40,794,863	64.7		122,277	5.09		98.6		69.1		12.3		12.5		39.3		21.3		4,024	3.29
2023		47,666,852		30,664,387	64.3		91,165	6.56		98.9		74.4		20.1		11.3		37.7		25.9		3,526	3.87
2024		45,561,332		33,606,078	73.8		94,086	6.66		95.2		74.2		21.6		12.7		41.4		26.9		2,965	3.15
2025		46,563,546		39,119,720	84.0		102,753	6.54		87.3		65.8		16.0		10.5		49.3		21.4		1,427	1.39
2026 (through September 30)		37,349,324		36,059,431	96.5		91,606	6.29		85.0		65.7		16.0		11.4		49.8		10.0		210	0.23
Total	$	709,112,487	$	250,062,714	35.3		795,678	5.41		91.8		72.1		18.2		12.5		42.5		7.2		21,919	2.75

(1) Incurred loss ratio is calculated by dividing the sum of case reserves and cumulative amount paid for claims by cumulative premiums earned, excluding the impact of any outward reinsurance.

	Essent Group Ltd. and Subsidiaries	Exhibit J
	Supplemental Information
	Mortgage Insurance - Outward Reinsurance Vintage Data
	September 30, 2026

($ in thousands)
Insurance Linked Notes (1)
																Earned Premiums Ceded (3)
Deal Name	Vintage	Remaining Insurance in Force		Remaining Risk in Force		Original Reinsurance in Force		Remaining Reinsurance in Force		Losses Ceded to Date		Original First Layer Retention		Remaining First Layer Retention		Quarter-to-Date		Year-to-Date		Reduction in PMIERs Minimum Required Assets (4)
Radnor Re 2021-2	Apr. 2021 - Sep. 2021	$	20,877,708	$	5,977,329	$	439,407	$	148,357	$	—	$	279,415	$	266,363	$	2,150	$	6,856	$	126,021
Radnor Re 2022-1	Oct. 2021 - Jul. 2022		21,630,695		6,069,846		237,868		103,940		—		303,761		281,216		2,343		7,430		103,940
Radnor Re 2023-1	Aug. 2022 - Jun. 2023		22,010,726		6,079,835		281,462		171,531		—		281,463		258,439		2,543		7,892		171,531
Radnor Re 2024-1	Jul. 2023 - Jul. 2024		21,023,421		5,835,276		363,366		179,151		—		256,495		248,378		2,022		6,581		132,572
Total		$	85,542,550	$	23,962,286	$	1,322,103	$	602,979	$	—	$	1,121,134	$	1,054,396	$	9,058	$	28,759	$	534,064


Excess of Loss Reinsurance (2)
																Earned Premiums Ceded (3)
Deal Name	Vintage	Remaining Insurance in Force		Remaining Risk in Force		Original Reinsurance in Force		Remaining Reinsurance in Force		Losses Ceded to Date		Original First Layer Retention		Remaining First Layer Retention		Quarter-to-Date		Year-to-Date		Reduction in PMIERs Minimum Required Assets (4)
XOL 2020-1	Jan. 2019 - Aug. 2019	$	3,931,249	$	1,049,217	$	55,102	$	29,152	$	—	$	215,605	$	209,436	$	252	$	747	$	—
XOL 2022-1	Oct. 2021 - Dec. 2022		49,283,081		13,714,841		141,992		125,560		—		507,114		446,220		1,255		4,187		121,074
XOL 2023-1	Jan. 2023 - Dec. 2023		27,740,342		7,730,197		36,627		29,762		—		366,270		343,895		322		1,099		28,617
XOL 2024-1	Jan. 2024 - Dec. 2024		31,121,953		8,588,331		58,005		58,005		—		331,456		324,933		630		1,925		55,883
XOL 2025-1	Jan. 2025 - Dec. 2025		39,061,433		10,378,090		80,821		80,821		—		343,234		342,687		725		2,168		77,925
XOL 2026-1	Jan. 2026 - Dec. 2026		35,992,643		9,683,655		67,786		67,786		—		292,776		292,776		658		658		65,194
Total		$	187,130,701	$	51,144,331	$	440,333	$	391,086	$	—	$	2,056,455	$	1,959,947	$	3,842	$	10,784	$	348,693


Quota Share Reinsurance (2)
											Losses Ceded					Ceding Commission				Earned Premiums Ceded
Year	Ceding Percentage		Remaining Insurance in Force		Remaining Risk in Force		Remaining Ceded Insurance in Force		Remaining Ceded Risk in Force		Quarter-to-Date		Year-to-Date			Quarter-to-Date		Year-to-Date		Quarter-to-Date		Year-to-Date		Reduction in PMIERs Minimum Required Assets (4)
Sep. 2019 - Dec. 2020	(5	)	$	23,723,294	$	6,666,375	$	4,964,996	$	1,371,811	$	30	$	(131	)	$	1,523	$	4,998	$	2,467	$	7,318	$	91,704
Jan. 2022 - Dec. 2022	20	%		40,751,991		11,289,862		8,150,398		2,257,972		2,918		6,683			1,480		4,606		5,360		14,596		171,255
Jan. 2023 - Dec. 2023	17.5	%		27,665,432		7,711,596		4,841,451		1,349,529		1,545		5,665			1,015		3,179		3,676		12,340		110,238
Jan. 2024 - Dec. 2024	15	%		33,409,852		9,203,928		5,011,478		1,380,589		2,624		5,982			1,069		3,329		4,923		13,139		115,158
Jan. 2025 - Dec. 2025	25	%		39,085,883		10,384,805		9,771,471		2,596,201		3,759		7,591			1,722		5,321		6,944		17,434		185,801
Jan. 2026 - Dec. 2026	25	%		36,022,283		9,691,505		9,005,571		2,422,876		886		1,141			1,254		2,089		3,206		5,006		161,268
Total			$	200,658,735	$	54,948,071	$	41,745,365	$	11,378,978	$	11,762	$	26,931		$	8,063	$	23,522	$	26,576	$	69,833	$	835,424

					Exhibit K

Essent Group Ltd. and Subsidiaries
Supplemental Information
Mortgage Insurance - Geographic Data


IIF by State
	September 30, 2026		June 30, 2026		September 30, 2025
FL	12.1	%	12.1	%	12.0	%
CA	11.8		11.9		12.2
TX	11.5		11.5		11.3
AZ	4.3		4.2		4.0
GA	4.0		3.9		3.8
CO	3.9		3.9		4.0
WA	3.3		3.4		3.4
NC	3.3		3.3		3.1
MI	2.7		2.6		2.6
OH	2.7		2.6		2.6
All Others	40.4		40.6		41.0
Total	100.0	%	100.0	%	100.0	%



Gross RIF by State
	September 30, 2026		June 30, 2026		September 30, 2025
FL	12.4	%	12.4	%	12.2	%
CA	11.8		12.0		12.2
TX	11.7		11.7		11.6
AZ	4.3		4.3		4.0
GA	4.0		4.0		3.9
CO	3.8		3.9		3.9
WA	3.3		3.4		3.4
NC	3.3		3.3		3.1
MI	2.7		2.6		2.6
UT	2.6		2.6		2.6
All Others	40.1		39.8		40.5
Total	100.0	%	100.0	%	100.0	%

													Exhibit L
Essent Group Ltd. and Subsidiaries
Supplemental Information
Mortgage Insurance
Rollforward of Defaults and Reserve for Losses and LAE

Rollforward of Insured Loans in Default
	Three Months Ended
		2026									2025
	September 30			June 30			March 31			December 31			September 30
Beginning default inventory		20,278			20,332			20,210			18,583			17,255
Plus: new defaults (A)		12,034			9,846			11,100			11,245			10,357
Less: cures		(9,869	)		(9,559	)		(10,708	)		(9,357	)		(8,713	)
Less: claims paid		(494	)		(316	)		(239	)		(235	)		(296	)
Less: rescissions and denials, net		(30	)		(25	)		(31	)		(26	)		(20	)
Ending default inventory		21,919			20,278			20,332			20,210			18,583

(A) New defaults remaining as of September 30, 2026		9,027			4,081			2,648			1,999			1,288
Cure rate (1)		25	%		59	%		76	%		82	%		88	%

Total amount paid for claims (in thousands)	$	23,560		$	17,283		$	13,671		$	13,171		$	16,456
Average amount paid per claim (in thousands)	$	48		$	55		$	57		$	56		$	56
Severity		70	%		85	%		84	%		80	%		78	%

Rollforward of Reserve for Losses and LAE
	Three Months Ended
		2026									2025
($ in thousands)	September 30			June 30			March 31			December 31			September 30
Reserve for losses and LAE at beginning of period	$	475,011		$	458,901		$	429,610		$	379,548		$	345,952
Less: Reinsurance recoverables		65,718			61,591			56,120			47,957			41,966
Net reserve for losses and LAE at beginning of period		409,293			397,310			373,490			331,591			303,986
Add provision for losses and LAE occurring in:
Current period		81,343			58,393			62,792			67,865			62,349
Prior years		(29,634	)		(29,002	)		(25,172	)		(12,705	)		(18,179	)
Incurred losses and LAE during the period		51,709			29,391			37,620			55,160			44,170
Deduct payments for losses and LAE occurring in:
Current period		764			260			88			2,649			552
Prior years		22,938			17,148			13,712			10,612			16,013
Loss and LAE payments during the period		23,702			17,408			13,800			13,261			16,565
Net reserve for losses and LAE at end of period		437,300			409,293			397,310			373,490			331,591
Plus: Reinsurance recoverables		73,720			65,718			61,591			56,120			47,957
Reserve for losses and LAE at end of period	$	511,020		$	475,011		$	458,901		$	429,610		$	379,548


(1) The cure rate is calculated by dividing new defaults remaining as of the reporting date by the original number of new defaults reported in the quarterly period and subtracting that percentage from 100%.

									Exhibit M
Essent Group Ltd. and Subsidiaries
Supplemental Information
Mortgage Insurance
Detail of Reserves by Default Delinquency

	September 30, 2026
	Number of Policies in Default		Percentage of Policies in Default		Amount of Reserves		Percentage of Reserves		Defaulted RIF		Reserves as a Percentage of Defaulted RIF
($ in thousands)
Missed Payments:
Two payments	7,346		33	%	$	43,796	9	%	$	588,252	7	%
Three payments	3,115		14			33,868	7			258,361	13
Four to eleven payments	7,826		36			194,284	41			696,836	28
Twelve or more payments	3,067		14			158,867	34			267,293	59
Pending claims	565		3			41,415	9			45,792	90
Total case reserves	21,919		100	%		472,230	100	%	$	1,856,534	25	%
IBNR						35,417
LAE						3,373
Total reserves for losses and LAE					$	511,020

Average reserve per default:
Case					$	21.5
Total					$	23.3

Default Rate	2.75	%
3+ Month Default Rate	1.83	%

	December 31, 2025
	Number of Policies in Default		Percentage of Policies in Default		Amount of Reserves		Percentage of Reserves		Defaulted RIF		Reserves as a Percentage of Defaulted RIF
($ in thousands)
Missed Payments:
Two payments	6,892		34	%	$	40,876	10	%	$	545,198	7	%
Three payments	3,002		15			32,458	8			246,194	13
Four to eleven payments	7,261		36			163,087	41			615,449	26
Twelve or more payments	2,742		13			139,036	35			224,248	62
Pending claims	313		2			21,360	6			23,797	90
Total case reserves	20,210		100	%		396,817	100	%	$	1,654,886	24	%
IBNR						29,761
LAE						3,032
Total reserves for losses and LAE					$	429,610

Average reserve per default:
Case					$	19.6
Total					$	21.3

Default Rate	2.50	%
3+ Month Default Rate	1.65	%

	September 30, 2025
	Number of Policies in Default		Percentage of Policies in Default		Amount of Reserves		Percentage of Reserves		Defaulted RIF		Reserves as a Percentage of Defaulted RIF
($ in thousands)
Missed Payments:
Two payments	6,444		35	%	$	36,672	10	%	$	503,842	7	%
Three payments	2,658		14			27,789	8			215,321	13
Four to eleven payments	6,683		36			143,173	41			559,663	26
Twelve or more payments	2,551		14			125,475	36			206,735	61
Pending claims	247		1			17,365	5			19,537	89
Total case reserves	18,583		100	%		350,474	100	%	$	1,505,098	23	%
IBNR						26,287
LAE						2,787
Total reserves for losses and LAE					$	379,548

Average reserve per default:
Case					$	18.9
Total					$	20.4

Default Rate	2.29	%
3+ Month Default Rate	1.49	%

													Exhibit N

Essent Group Ltd. and Subsidiaries
Supplemental Information
U.S. Mortgage Insurance Company Capital

		2026									2025
	September 30			June 30			March 31			December 31			September 30
($ in thousands)
Essent Guaranty, Inc:
Statutory capital	$	3,716,901		$	3,678,202		$	3,682,476		$	3,572,887		$	3,732,465
Net risk in force (1)	$	30,369,106		$	31,118,806		$	31,785,517		$	32,486,788		$	33,367,706

Risk-to-capital ratio (2)	8.2:1			8.5:1			8.6:1			9.1:1			8.9:1

Essent Guaranty, Inc. PMIERs Data (3):
Available Assets	$	3,710,693		$	3,599,092		$	3,635,459		$	3,520,454		$	3,666,883
Minimum Required Assets		2,095,037			2,092,922			2,084,042			2,087,473			2,065,890
PMIERs excess Available Assets	$	1,615,656		$	1,506,170		$	1,551,417		$	1,432,981		$	1,600,993
PMIERs sufficiency ratio (4)		177	%		172	%		174	%		169	%		177	%

(1) Net risk in force represents total risk in force, net of reinsurance ceded and net of exposures on policies for which loss reserves have been established.
(2) The risk-to-capital ratio is calculated as the ratio of net risk in force to statutory capital.
(3) Data is based on our interpretation of the PMIERs as of the dates indicated.
(4) PMIERs sufficiency ratio is calculated by dividing Available Assets by Minimum Required Assets.

																		Exhibit O

Essent Group Ltd. and Subsidiaries
Supplemental Information
Reinsurance

	Three Months Ended															Nine Months Ended
		2026									2025						2026		2025
($ in thousands)	September 30			June 30			March 31			December 31			September 30			September 30		September 30
Net Premiums Written:
Mortgage	$	15,190		$	13,700		$	13,236		$	15,117		$	18,338		$	42,126	$	48,440
Non-mortgage		66,378			65,475			156,365			633			359			288,218		817
Total	$	81,568		$	79,175		$	169,601		$	15,750		$	18,697		$	330,344	$	49,257

Net Premiums Earned:
Mortgage	$	13,388		$	12,716		$	12,264		$	14,063		$	15,945		$	38,368	$	45,096
Non-mortgage		50,656			30,923			17,046			633			359			98,625		817
Total	$	64,044		$	43,639		$	29,310		$	14,696		$	16,304		$	136,993	$	45,913



		2026									2025
	September 30			June 30			March 31			December 31			September 30
($ in thousands)
Reserve for losses and LAE	$	57,533		$	27,739		$	10,076		$	359		$	153

Mortgage Reinsurance Statistics:
Reinsured risk in force	$	1,969,364		$	2,051,720		$	2,084,380		$	2,166,605		$	2,184,981
Weighted average credit score		751			751			751			751			751
Weighted average LTV		83	%		83	%		83	%		83	%		83	%

Essent Reinsurance Ltd. Capital:
Stockholder's equity (GAAP basis)	$	1,650,165		$	1,634,429		$	1,660,416		$	1,695,390		$	1,722,135

								Exhibit P
Essent Group Ltd. and Subsidiaries
Supplemental Information
Cash & Investments

Cash & Investments by Asset Class
Asset Class	September 30, 2026					December 31, 2025
($ in thousands)	Fair Value			Percent		Fair Value		Percent
U.S. Treasury securities	$	317,844		4.9	%	$	369,712	5.6	%
U.S. agency mortgage-backed securities		1,125,165		17.3			1,174,895	17.8
Municipal debt securities		563,350		8.7			610,411	9.2
Non-U.S. government securities		42,169		0.7			56,024	0.8
Corporate debt securities		1,933,530		29.7			1,980,080	30.0
Residential and commercial mortgage securities		457,485		7.1			464,105	7.0
Asset-backed securities		928,298		14.3			800,366	12.1
Money market funds		504,142		7.8			648,492	9.8
Total investments available for sale	$	5,871,983		90.5	%	$	6,104,085	92.3	%
Other invested assets		451,948		7.0			382,513	5.8
Cash		160,670		2.5			123,049	1.9
Total cash and investments	$	6,484,601		100.0	%	$	6,609,647	100.0	%

Investments Available for Sale by Credit Rating
Rating (1)	September 30, 2026					December 31, 2025
($ in thousands)	Fair Value			Percent		Fair Value		Percent
Aaa	$	885,775		16.5	%	$	846,230	15.5	%
Aa1		1,688,499		31.5			1,799,508	32.9
Aa2		344,479		6.4			300,026	5.5
Aa3		310,745		5.8			319,848	5.9
A1		518,103		9.6			545,918	10.0
A2		500,477		9.3			511,146	9.4
A3		470,541		8.8			494,434	9.1
Baa1		249,968		4.7			244,424	4.5
Baa2		211,681		3.9			208,247	3.8
Baa3		125,643		2.3			122,596	2.2
Below Baa3		61,930		1.2			63,216	1.2
Total (2)	$	5,367,841		100.0	%	$	5,455,593	100.0	%

(1) Based on ratings issued by Moody's, if available. S&P or Fitch rating utilized if Moody's not available.
(2) Excludes $504,142 and $648,492 of money market funds at September 30, 2026 and December 31, 2025, respectively.

Investments Available for Sale by Duration and Book Yield
Effective Duration	September 30, 2026					December 31, 2025
($ in thousands)	Fair Value			Percent		Fair Value		Percent
< 1 Year	$	1,473,942		25.1	%	$	1,549,327	25.4	%
1 to < 2 Years		450,967		7.7			527,914	8.6
2 to < 3 Years		455,107		7.7			532,211	8.7
3 to < 4 Years		505,434		8.6			571,255	9.4
4 to < 5 Years		662,994		11.3			536,135	8.8
5 or more Years		2,323,539		39.6			2,387,243	39.1
Total investments available for sale	$	5,871,983		100.0	%	$	6,104,085	100.0	%

Pre-tax investment yield (3)	Three Months Ended September 30, 2026			Nine Months Ended September 30, 2026
Yield on cash and investments available for sale		4.06	%	3.94	%
Return on other invested assets		9.65	%	13.01	%
Aggregate yield on total cash and investments		4.42	%	4.49	%

(3) Yield on cash and investments available for sale is calculated as the annualized gross investment income earned divided by the average amortized cost of cash and investments available for sale. Return on other invested assets is calculated as annualized income (loss) from other invested assets divided by the average balance of other invested assets. The aggregate yield is calculated as the sum of the numerators in the calculations described above divided by the sum of denominators in the calculations described above.

					Exhibit Q
Essent Group Ltd. and Subsidiaries
Supplemental Information
Book Value Per Share Inclusive of Common Dividends & Reconciliation of Non-GAAP Financial Measures

Management believes Book Value Per Share Inclusive of Common Dividends provides investors with useful supplemental information because it reflects both changes in GAAP book value per share and cash dividends distributed to common shareholders. Management uses this measure as an additional indicator of per-share capital generation and capital return. Because dividends paid to common shareholders reduce GAAP book value per share, management believes this measure helps investors evaluate the combined effect of retained capital growth and capital distributed to shareholders during the period.

The following table sets forth the reconciliation of Book Value per Share Inclusive of Common Dividends to the most comparable GAAP amount as of September 30, 2026, as well as the 12-month growth in Book Value per Share Inclusive of Common Dividends in accordance with Regulation G.


(In thousands, except per share amounts)	September 30, 2026			September 30, 2025

Total Stockholders' Equity (Book Value)	$	5,555,065		$	5,738,974
Total Common Shares Outstanding		88,769			97,497
Book Value per Share	$	62.58		$	58.86
12-Month Growth in Book Value per Share		6.3	%

Book Value per Share	$	62.58		$	58.86
Common Dividends Paid per Share 12-Months Ended September 30, 2026		1.36
Book Value Per Share Inclusive of Common Dividends	$	63.94
12-Month Growth in Book Value Per Share Inclusive of Common Dividends		8.6	%

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

Essent earned $163.4 million, or $1.82 per diluted share, for the quarter ended September 30, 2026. A year earlier, net income was $164.2 million and diluted earnings were $1.67 per share.

Essent will pay its $0.35 per common share quarterly cash dividend on December 10, 2026, to shareholders of record on December 1, 2026.

(1) Reinsurance provided by unaffiliated special purpose insurers through the issuance of mortgage insurance-linked notes ("ILNs").

(2) Reinsurance provided by panels of reinsurers.

(3) Excludes $79 and $1,855 of ceded premium for the three and nine months ended September 30, 2026, respectively, related to terminated transactions Radnor Re 2021-1 and XOL 2019-1.

(4) Represents the reduction in Essent Guaranty, Inc.'s Minimum Required Assets based on our interpretation of the PMIERs.

(5) Under QSR-2019, Essent Guaranty cedes 36% of premiums on singles policies and 18% on all other policies.