NYSE$ESNT

Essent Group · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Essent's financial results for Q2 2023 reflected a high-quality portfolio and resilience in housing and employment.

Essent Group Ltd. reported a net income of $172.2 million for the quarter ended June 30, 2023, or $1.61 per diluted share. The company's Board of Directors has declared a quarterly cash dividend of $0.25 per common share.

  • New insurance written for the second quarter of 2023 was $13.5 billion.
  • Insurance in force as of June 30, 2023 was $235.6 billion.
  • The combined ratio for the second quarter of 2023 was 20.4%.
  • Essent successfully executed a consent and tender process on $637 million of outstanding notes from two seasoned ILN deals.

Headline financials

Total Revenue

$260M

Previous: $244M+6.4%
EPS (adj)

$1.61

Previous: $2.16-25.5%
New Insurance Written

$13.5B

Previous: $20.1B-32.8%
Insurance in Force

$236B

Previous: $216B+9.1%
Loss Ratio

0.6%

No prior period
Expense Ratio

19.8%

Previous: 19.8%+0.0%
Combined Ratio

20.4%

Previous: -16.2%+225.9%
Capital Expenditures

-$797K

Previous: -$1.65M+51.7%
Free Cash Flow

$171M

Previous: $230M-25.5%
Net Income

$172M

Previous: $232M-25.7%
Operating Income

$256M

Previous: $240M+6.5%
Gross Profit

$260M

Previous: $244M+6.4%
Cash & Equivalents

$68.1M

Previous: $77.9M-12.5%
Total Assets

$5.98B

Previous: $5.52B+8.4%
Stock-Based Comp

$4.35M

Previous: $4.2M+3.7%

Revenue & EPS history

Essent · Revenue · Quarterly

$260M

Q2 2023+6.4%vs Q2 2022
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

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.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2023

Historical avgQ2 2023

+0.9%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+1.3%

Avg return

30 days after

65%

32 / 49 earnings

Positive

+7.2%

Q2 2014

Best reaction

-9.8%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.1%-2.7%-6.8%
Q4 2025-6.4%-6.7%-11.5%
Q3 2025+0.6%+1.2%+1.8%
Q1 2025-0.4%-0.4%-1.5%
Q4 2024-2.6%+0.3%-4.3%
Q3 2024-9.8%-6.0%-3.7%
Q2 2024-4.4%-4.2%+5.0%
Q1 2024+2.7%+3.2%+4.5%
Q4 2023+0.3%-1.3%+2.0%
Q3 2023+2.7%+1.8%+2.6%
Q2 2023+4.1%+3.0%-0.7%
Q1 2023+5.0%+6.3%+12.6%
Q4 2022+2.5%+3.1%-6.1%
Q3 2022+0.9%-2.4%+3.5%
Q2 2022+0.2%+0.4%-8.8%
Q1 2022-0.7%-2.3%+2.1%
Q4 2021-0.5%+2.3%-10.5%
Q3 2021+1.6%-0.2%-9.8%
Q2 2021+2.4%+3.6%+1.3%
Q1 2021-2.5%-6.8%-4.1%
Q4 2020-0.2%-0.3%+0.3%
Q3 2020+5.2%+3.1%+9.4%
Q2 2020+4.0%+3.7%+3.7%
Q1 2020-1.2%-11.5%+30.4%
Q4 2019-5.1%-9.0%-27.6%
Q3 2019+1.3%+2.8%+2.4%
Q2 2019-1.2%+1.3%+6.9%
Q1 2019+1.7%-2.4%-2.0%
Q4 2018+0.8%+4.7%+3.8%
Q3 2018-3.0%-3.5%-13.3%
Q2 2018+5.3%+7.3%+13.4%
Q1 2018+5.5%+4.1%+2.6%
Q4 2017+3.1%+9.4%+9.8%
Q3 2017-0.5%+1.3%+11.4%
Q2 2017+5.9%+1.7%+1.6%
Q1 2017-5.4%-0.2%-0.5%
Q4 2016+1.7%+0.4%-3.1%
Q3 2016+4.8%+8.5%+20.9%
Q2 2016+6.9%+10.5%+11.8%
Q1 2016+4.8%
Q4 2015+1.4%
Q3 2015+2.4%
Q2 2015-5.7%
Q1 2015+3.0%
Q4 2014+0.6%
Q3 2014+0.2%
Q2 2014+7.2%
Q1 2014+3.8%
Q4 2013-2.4%
Q3 2013
Q2 2013
Q1 2013
Q4 2012
Q3 2012

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