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

(MENAFN- GlobeNewsWire - Nasdaq) 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 .

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 .

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 .

Source: Essent Group Ltd.

Media Contact

610.230.0556
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Investor Relations Contact
Frank Fanto
Manager, Investor Relations
855-809-ESNT
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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

(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.

					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	%

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