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

HAMILTON, Bermuda, Aug. 07, 2026 (GLOBE NEWSWIRE) — Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended June 30, 2026 of $189.7 million or $2.08 per diluted share, compared to $195.3 million or $1.93 per diluted share for the quarter ended June 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 September 10, 2026 to shareholders of record on August 31, 2026.

“We are pleased with our second quarter 2026 financial results, which reflect strong profitability, continued growth in book value per share and the resilience of our operating model,” said Mark A. Casale, Chairman and Chief Executive Officer. “The consistent cash flow generation of our mortgage insurance business, combined with our strong capital position, allows us to take a balanced approach to capital management and to continue creating long-term value for our shareholders.”

Financial Highlights:

• Mortgage new insurance written for the second quarter of 2026 was $14.1 billion, compared to $11.1 billion in the first quarter of 2026 and $12.5 billion in the second quarter of 2025.
• Mortgage insurance in force as of June 30, 2026 was $249.7 billion, compared to $247.9 billion as of March 31, 2026 and $246.8 billion as of June 30, 2025.
• Reinsurance net premiums written for the first half of 2026 were $248.8 million, compared to $30.6 million in the first half of 2025.
• Net investment income for the first half of 2026 was $120.9 million, compared to $117.5 million in the first half of 2025.
• Year-to-date through July 31, 2026, Essent repurchased 5.8 million common shares for $348 million.

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. The call may also be accessed by dialing 888-330-2384 inside the U.S., or 240-789-2701 for international callers, using passcode 9824537 or by referencing Essent.

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. A replay of the conference call will be available approximately two hours after the call ends for a period of two weeks, using the following dial-in numbers and passcode: 800-770-2030 inside the U.S., or 647-362-9199 for international callers, passcode 9824537.

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
Philip Stefano
Vice President, Investor Relations
855-809-ESNT
ir@essentgroup.com 

Essent Group Ltd. and Subsidiaries
Financial Results and Supplemental Information (Unaudited)
Quarter Ended June 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 June 30,								Six Months Ended June 30,
(In thousands, except per share amounts)		2026				2025				2026				2025
Revenues:
Gross premiums written	$	342,398			$	274,872			$	773,630			$	547,266
Ceded premiums		(35,113	)			(33,384	)			(71,676	)			(67,507	)
Net premiums written		307,285				241,488				701,954				479,759
(Increase) decrease in unearned premiums		(30,521	)			7,321				(165,097	)			14,898
Net premiums earned		276,764				248,809				536,857				494,657
Net investment income		61,612				59,289				120,867				117,499
Realized investment gains (losses), net		(111	)			(129	)			(258	)			(310	)
Income from other invested assets		19,385				4,466				29,564				11,874
Other income		5,036				6,708				11,728				12,981
Total revenues		362,686				319,143				698,758				636,701
Losses and expenses:
Provision for losses and LAE		48,961				17,055				97,177				48,342
Other underwriting and operating expenses		75,258				62,765				148,241				133,889
Interest expense		8,148				8,148				16,296				16,296
Total losses and expenses		132,367				87,968				261,714				198,527
Income before income taxes		230,319				231,175				437,044				438,174
Income tax expense		40,605				35,836				75,531				67,402
Net income	$	189,714			$	195,339			$	361,513			$	370,772
Earnings per share:
Basic	$	2.09			$	1.95			$	3.92			$	3.65
Diluted		2.08				1.93				3.89				3.62
Weighted average shares outstanding:
Basic		90,740				100,037				92,271				101,451
Diluted		91,389				101,059				92,972				102,495
Net income	$	189,714			$	195,339			$	361,513			$	370,772
Other comprehensive income:
Unrealized appreciation (depreciation) of investments		(2,726	)			16,580				(38,677	)			88,318
Comprehensive income	$	186,988			$	211,919			$	322,836			$	459,090

	Exhibit B
Essent Group Ltd. and Subsidiaries
Condensed Consolidated Balance Sheets (Unaudited)
	June 30,				December 31,
(In thousands, except per share amounts)		2026				2025
Assets
Investments
Fixed maturities available for sale, at fair value	$	5,414,809			$	5,455,593
Short-term investments available for sale, at fair value		623,886				648,492
Total investments available for sale		6,038,695				6,104,085
Other invested assets		441,852				382,513
Total investments		6,480,547				6,486,598
Cash		74,333				123,049
Accrued investment income		48,306				47,371
Accounts receivable		169,772				51,267
Deferred policy acquisition costs		68,857				9,547
Property, equipment and software, net		47,753				49,189
Prepaid federal income tax		496,325				513,425
Goodwill and acquired intangible assets, net		77,451				78,153
Other assets		128,538				82,404
Total assets	$	7,591,882			$	7,441,003
Liabilities and Stockholders’ Equity
Liabilities
Reserve for losses and LAE	$	518,799			$	446,822
Unearned premium reserve		256,827				91,730
Net deferred tax liability		449,738				465,351
Senior notes due 2029, net		495,972				495,301
Other accrued liabilities		207,145				185,072
Total liabilities		1,928,481				1,684,276
Commitments and contingencies
Stockholders’ Equity
Common shares, $0.015 par value:
Authorized – 233,333; issued and outstanding – 89,876 shares in 2026 and 95,456 shares in 2025		1,348				1,432
Additional paid-in capital		298,724				649,895
Accumulated other comprehensive loss		(190,662	)			(151,985	)
Retained earnings		5,553,991				5,257,385
Total stockholders’ equity		5,663,401				5,756,727
Total liabilities and stockholders’ equity	$	7,591,882			$	7,441,003
Return on average equity (1)		12.7	%			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
		June 30				March 31				December 31				September 30				June 30
(In thousands, except per share amounts)
Revenues:
Net premiums earned		$	276,764			$	260,093			$	242,729			$	246,332			$	248,809
Net investment income			61,612				59,255				59,223				59,795				59,289
Realized investment gains (losses), net			(111	)			(147	)			(188	)			(425	)			(129	)
Income from other invested assets			19,385				10,179				3,942				1,770				4,466
Other income (1)			5,036				6,692				6,698				4,358				6,708
Total revenues			362,686				336,072				312,404				311,830				319,143
Losses and expenses:
Provision for losses and LAE			48,961				48,216				56,073				44,922				17,055
Other underwriting and operating expenses			75,258				72,983				63,653				59,498				62,765
Interest expense			8,148				8,148				8,149				8,251				8,148
Total losses and expenses			132,367				129,347				127,875				112,671				87,968
Income before income taxes			230,319				206,725				184,529				199,159				231,175
Income tax expense (2)			40,605				34,926				29,547				34,944				35,836
Net income		$	189,714			$	171,799			$	154,982			$	164,215			$	195,339
Earnings per share:
Basic		$	2.09			$	1.83			$	1.62			$	1.69			$	1.95
Diluted			2.08				1.82				1.60				1.67				1.93
Weighted average shares outstanding:
Basic			90,740				93,818				95,772				97,400				100,037
Diluted			91,389				94,572				96,664				98,519				101,059
Book value per share		$	63.01			$	61.20			$	60.31			$	58.86			$	56.98
Return on average equity (annualized)			13.4	%			12.0	%			10.8	%			11.5	%			13.8	%
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			8.11	%			8.07	%			7.99	%			8.01	%			8.10	%
Cash and investments available for sale at the holding companies		$	1,108,667			$	1,144,112			$	1,268,579			$	1,038,747			$	995,032
(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 June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, and June 30, 2025, were ($323), $37, ($526), ($858) and ($29), respectively.
(2) Income tax expense for the quarters ended June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025 and June 30, 2025 includes $3,954, $2,407, $366, $493, and $1,112, 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 include ($396) and ($828), respectively, of discrete tax benefits associated with prior year tax returns. Income tax expense for the quarters ended March 31, 2026 and March 31, 2025 also include ($1,067) and ($742), respectively, 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 six months ended June 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.
		Six Months Ended June 30, 2026																Six Months Ended June 30, 2025
(In thousands)		Mortgage Insurance				Reinsurance				Corporate & Other				Consolidated				Mortgage Insurance				Reinsurance				Corporate & Other				Consolidated
Revenues:
Net premiums earned		$	431,325			$	72,949			$	32,583			$	536,857			$	438,386			$	29,609			$	26,662			$	494,657
Net investment income			86,322				10,758				23,787				120,867				86,466				10,056				20,977				117,499
Realized investment gains (losses), net			(282	)			—				24				(258	)			(225	)			—				(85	)			(310	)
Income from other invested assets			18,737				—				10,827				29,564				6,828				—				5,046				11,874
Other income			3,139				3,316				5,273				11,728				3,162				4,862				4,957				12,981
Total revenues			539,241				87,023				72,494				698,758				534,617				44,527				57,557				636,701
Losses and expenses:
Provision for losses and LAE			67,011				28,652				1,514				97,177				46,043				39				2,260				48,342
Compensation and benefits			31,515				3,966				31,678				67,159				34,277				2,406				33,728				70,411
Premium and other taxes			11,988				32				981				13,001				11,548				27				1,823				13,398
Acquisition costs, net (3)			(15,148	)			18,591				—				3,443				(13,200	)			642				—				(12,558	)
Other underwriting and operating expenses			21,529				1,967				41,142				64,638				20,134				1,768				40,736				62,638
Net operating expenses before allocations			49,884				24,556				73,801				148,241				52,759				4,843				76,287				133,889
Corporate expense allocations			19,628				1,204				(20,832	)			—				21,783				473				(22,256	)			—
Operating expenses after allocations			69,512				25,760				52,969				148,241				74,542				5,316				54,031				133,889
Interest expense			—				—				16,296				16,296				—				—				16,296				16,296
Income (loss) before income taxes		$	402,718			$	32,611			$	1,715			$	437,044			$	414,032			$	39,172			$	(15,030	)		$	438,174
Loss ratio (1)			15.5	%			39.3	%											10.5	%			0.1	%
Expense ratio (2)			16.1	%			35.3	%											17.0	%			18.0	%
Combined ratio			31.6	%			74.6	%											27.5	%			18.1	%
(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
		June 30				March 31				December 31				September 30				June 30
($ in thousands)
Revenues:
Net premiums earned		$	215,662			$	215,663			$	212,674			$	215,683			$	220,262
Net investment income			43,965				42,357				43,627				44,265				43,676
Realized investment gains (losses), net			(94	)			(188	)			(218	)			(427	)			(124	)
Income (loss) from other invested assets			12,975				5,762				2,044				(605	)			3,619
Other income			1,396				1,743				1,149				800				1,614
Total revenues			273,904				265,337				259,276				259,716				269,047
Losses and expenses:
Provision for losses and LAE			29,391				37,620				55,160				44,170				15,323
Compensation and benefits			14,898				16,617				14,727				15,388				15,667
Premium and other taxes			5,996				5,992				6,038				6,010				5,984
Acquisition costs, net (3)			(7,770	)			(7,378	)			(7,234	)			(7,057	)			(6,770	)
Other underwriting and operating expenses			10,695				10,834				11,523				9,735				9,744
Net operating expenses before allocations			23,819				26,065				25,054				24,076				24,625
Corporate expense allocations			8,086				11,542				9,213				7,081				8,979
Operating expenses after allocations			31,905				37,607				34,267				31,157				33,604
Income before income taxes		$	212,608			$	190,110			$	169,849			$	184,389			$	220,120
Loss ratio (1)			13.6	%			17.4	%			25.9	%			20.5	%			7.0	%
Expense ratio (2)			14.8	%			17.4	%			16.1	%			14.4	%			15.3	%
Combined ratio			28.4	%			34.8	%			42.0	%			34.9	%			22.3	%
(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
	June 30				March 31				December 31				September 30				June 30
($ in thousands)
Revenues:
Net premiums earned	$	43,639			$	29,310			$	14,696			$	16,304			$	13,875
Net investment income		6,088				4,670				4,913				5,302				5,216
Realized investment gains, net		—				—				6				—				—
Other income		1,345				1,971				2,255				1,591				1,909
Total revenues		51,072				35,951				21,870				23,197				21,000
Losses and expenses:
Provision for losses and LAE		18,723				9,929				206				65				36
Compensation and benefits		1,781				2,185				961				1,180				1,126
Premium and other taxes		14				18				17				8				16
Acquisition costs, net (3)		11,849				6,742				763				487				285
Other underwriting and operating expenses		987				980				996				890				959
Net operating expenses before allocations		14,631				9,925				2,737				2,565				2,386
Corporate expense allocations		653				551				516				502				263
Operating expenses after allocations		15,284				10,476				3,253				3,067				2,649
Income before income taxes	$	17,065			$	15,546			$	18,411			$	20,065			$	18,315
Loss ratio (1)		42.9	%			33.9	%			1.4	%			0.4	%			0.3	%
Expense ratio (2)		35.0	%			35.7	%			22.1	%			18.8	%			19.1	%
Combined ratio		77.9	%			69.6	%			23.5	%			19.2	%			19.4	%
(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
	June 30				March 31				December 31				September 30				June 30
($ in thousands)
Revenues:
Net premiums earned	$	17,463			$	15,120			$	15,359			$	14,345			$	14,672
Net investment income		11,559				12,228				10,683				10,228				10,397
Realized investment gains (losses), net		(17	)			41				24				2				(5	)
Income from other invested assets		6,410				4,417				1,898				2,375				847
Other income		2,295				2,978				3,294				1,967				3,185
Total revenues		37,710				34,784				31,258				28,917				29,096
Losses and expenses:
Provision for losses and LAE		847				667				707				687				1,696
Compensation and benefits		13,825				17,853				14,675				12,608				13,926
Premium and other taxes		545				436				446				(88	)			495
Other underwriting and operating expenses		22,438				18,704				20,741				20,337				21,333
Net operating expenses before allocations		36,808				36,993				35,862				32,857				35,754
Corporate expense allocations		(8,739	)			(12,093	)			(9,729	)			(7,583	)			(9,242	)
Operating expenses after allocations		28,069				24,900				26,133				25,274				26,512
Interest expense		8,148				8,148				8,149				8,251				8,148
Income (loss) before income taxes	$	646			$	1,069			$	(3,731	)		$	(5,295	)		$	(7,260	)

	Consolidated
		2026								2025
	June 30				March 31				December 31				September 30				June 30
($ in thousands)
Revenues:
Net premiums earned	$	276,764			$	260,093			$	242,729			$	246,332			$	248,809
Net investment income		61,612				59,255				59,223				59,795				59,289
Realized investment gains (losses), net		(111	)			(147	)			(188	)			(425	)			(129	)
Income from other invested assets		19,385				10,179				3,942				1,770				4,466
Other income		5,036				6,692				6,698				4,358				6,708
Total revenues		362,686				336,072				312,404				311,830				319,143
Losses and expenses:
Provision for losses and LAE		48,961				48,216				56,073				44,922				17,055
Compensation and benefits		30,504				36,655				30,363				29,176				30,719
Premium and other taxes		6,555				6,446				6,501				5,930				6,495
Acquisition costs, net (1)		4,079				(636	)			(6,471	)			(6,570	)			(6,485	)
Other underwriting and operating expenses		34,120				30,518				33,260				30,962				32,036
Total other underwriting and operating expenses		75,258				72,983				63,653				59,498				62,765
Interest expense		8,148				8,148				8,149				8,251				8,148
Income before income taxes	$	230,319			$	206,725			$	184,529			$	199,159			$	231,175
(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
		June 30				March 31				December 31				September 30				June 30
($ in thousands)
New insurance written		$	14,144,104			$	11,076,190			$	11,840,227			$	12,233,252			$	12,544,731
New risk written		$	3,822,560			$	2,893,697			$	3,030,169			$	3,239,497			$	3,357,820
Average insurance in force		$	248,468,781			$	247,838,392			$	248,695,560			$	247,821,046			$	245,747,813
Insurance in force (end of period)		$	249,720,234			$	247,909,417			$	248,356,397			$	248,808,341			$	246,797,619
Gross risk in force (end of period) (1)		$	68,465,872			$	67,916,263			$	68,053,447			$	68,262,577			$	67,683,239
Risk in force (end of period)		$	56,435,078			$	56,271,605			$	56,519,839			$	56,940,929			$	56,811,096
Policies in force			801,140				801,394				807,230				812,856				812,182
Weighted average coverage (2)			27.4	%			27.4	%			27.4	%			27.4	%			27.4	%
Annual persistency			84.0	%			84.7	%			85.7	%			86.0	%			85.8	%
Loans in default (count)			20,278				20,332				20,210				18,583				17,255
Percentage of loans in default			2.53	%			2.54	%			2.50	%			2.29	%			2.12	%
Base average premium rate (3)			0.40	%			0.41	%			0.41	%			0.41	%			0.41	%
Single premium cancellation (4)			—	%			—	%			—	%			—	%			—	%
Gross average premium rate			0.40	%			0.41	%			0.41	%			0.41	%			0.41	%
Ceded premiums			(0.05	%)			(0.06	%)			(0.07	%)			(0.06	%)			(0.05	%)
Net average premium rate			0.35	%			0.35	%			0.34	%			0.35	%			0.36	%
(1) Gross risk in force includes risk ceded under third-party 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												Six Months Ended
	June 30, 2026						June 30, 2025						June 30, 2026						June 30, 2025
($ in thousands)
>=760	$	7,017,351		49.6	%		$	6,274,130		50.0	%		$	13,136,338		52.1	%		$	11,016,229		49.0	%
740-759		2,026,615		14.3				2,008,226		16.0				3,677,246		14.6				3,734,281		16.6
720-739		1,756,882		12.5				1,598,919		12.8				3,009,684		11.9				2,898,918		12.8
700-719		1,712,690		12.1				1,320,817		10.5				2,743,916		10.9				2,485,800		11.1
680-699		917,145		6.5				731,994		5.8				1,484,923		5.9				1,306,651		5.8
<=679		713,421		5.0				610,645		4.9				1,168,187		4.6				1,048,188		4.7
Total	$	14,144,104		100.0	%		$	12,544,731		100.0	%		$	25,220,294		100.0	%		$	22,490,067		100.0	%
Weighted average credit score		751						753						754						752
NIW by LTV
	Three Months Ended												Six Months Ended
	June 30, 2026						June 30, 2025						June 30, 2026						June 30, 2025
($ in thousands)
85.00% and below	$	1,169,164		8.3	%		$	1,124,637		9.0	%		$	2,386,870		9.5	%		$	1,863,256		8.3	%
85.01% to 90.00%		3,440,697		24.3				2,957,886		23.6				6,639,746		26.3				5,236,176		23.3
90.01% to 95.00%		7,054,406		49.9				6,393,500		50.9				12,350,937		49.0				11,669,518		51.9
95.01% and above		2,479,837		17.5				2,068,708		16.5				3,842,741		15.2				3,721,117		16.5
Total	$	14,144,104		100.0	%		$	12,544,731		100.0	%		$	25,220,294		100.0	%		$	22,490,067		100.0	%
Weighted average LTV		93	%					93	%					93	%					93	%
NIW by Product
	Three Months Ended												Six Months Ended
	June 30, 2026						June 30, 2025						June 30, 2026						June 30, 2025
Single premium policies				1.6	%					1.3	%					1.6	%					1.4	%
Monthly premium policies				98.4						98.7						98.4						98.6
				100.0	%					100.0	%					100.0	%					100.0	%
NIW by Purchase vs. Refinance
	Three Months Ended												Six Months Ended
	June 30, 2026						June 30, 2025						June 30, 2026						June 30, 2025
Purchase				87.4	%					92.6	%					80.8	%					93.4	%
Refinance				12.6						7.4						19.2						6.6
				100.0	%					100.0	%					100.0	%					100.0	%
(1) Beginning in the three months ended June 30, 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	June 30, 2026						March 31, 2026						June 30, 2025
($ in thousands)
>=760	$	105,982,606		42.4	%		$	104,715,580		42.2	%		$	101,554,517		41.1	%
740-759		42,848,263		17.2				42,906,709		17.3				43,146,312		17.5
720-739		37,328,645		14.9				37,323,783		15.1				38,115,925		15.4
700-719		32,515,464		13.1				32,210,355		13.0				32,789,773		13.3
680-699		19,282,243		7.7				19,194,941		7.7				19,666,338		8.0
<=679		11,763,013		4.7				11,558,049		4.7				11,524,754		4.7
Total	$	249,720,234		100.0	%		$	247,909,417		100.0	%		$	246,797,619		100.0	%
Weighted average credit score		747						747						746
Risk in Force	June 30, 2026						March 31, 2026						June 30, 2025
($ in thousands)
>=760	$	28,763,509		42.1	%		$	28,401,453		41.9	%		$	27,578,860		40.8	%
740-759		11,895,196		17.4				11,899,312		17.5				11,989,491		17.7
720-739		10,371,860		15.1				10,356,369		15.2				10,584,541		15.6
700-719		9,068,601		13.2				8,977,150		13.2				9,136,075		13.5
680-699		5,347,877		7.8				5,316,639		7.8				5,434,287		8.0
<=679		3,018,829		4.4				2,965,340		4.4				2,959,985		4.4
Total	$	68,465,872		100.0	%		$	67,916,263		100.0	%		$	67,683,239		100.0	%
Portfolio by LTV
Insurance in Force	June 30, 2026						March 31, 2026						June 30, 2025
($ in thousands)
85.00% and below	$	15,285,556		6.1	%		$	14,976,850		6.0	%		$	14,309,342		5.8	%
85.01% to 90.00%		56,279,141		22.5				57,370,862		23.1				59,432,276		24.1
90.01% to 95.00%		133,466,114		53.5				132,048,705		53.3				130,210,803		52.7
95.01% and above		44,689,423		17.9				43,513,000		17.6				42,845,198		17.4
Total	$	249,720,234		100.0	%		$	247,909,417		100.0	%		$	246,797,619		100.0	%
Weighted average LTV		93	%					93	%					93	%
Risk in Force	June 30, 2026						March 31, 2026						June 30, 2025
($ in thousands)
85.00% and below	$	1,788,794		2.6	%		$	1,752,508		2.6	%		$	1,689,437		2.5	%
85.01% to 90.00%		13,776,656		20.1				14,061,350		20.7				14,653,527		21.7
90.01% to 95.00%		39,355,100		57.5				38,936,750		57.3				38,402,295		56.7
95.01% and above		13,545,322		19.8				13,165,655		19.4				12,937,980		19.1
Total	$	68,465,872		100.0	%		$	67,916,263		100.0	%		$	67,683,239		100.0	%
Portfolio by Loan Amortization Period
Insurance in Force	June 30, 2026						March 31, 2026						June 30, 2025
($ in thousands)
FRM 30 years and higher	$	241,429,013		96.7	%		$	240,268,121		96.9	%		$	241,225,436		97.8	%
FRM 20-25 years		1,733,836		0.6				1,631,244		0.7				1,024,884		0.4
FRM 15 years		2,385,701		1.0				2,214,086		0.9				1,465,011		0.6
ARM 5 years and higher		4,171,684		1.7				3,795,966		1.5				3,082,288		1.2
Total	$	249,720,234		100.0	%		$	247,909,417		100.0	%		$	246,797,619		100.0	%
(1) Beginning in the three months ended June 30, 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
June 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	$	2,386,975	2.0	%	13,146	4.19	%	71.5	%	52.8	%	3.9	%	13.1	%	45.7	%	2.2	%	568	4.32	%
2017		43,858,322		2,169,396	4.9		14,118	4.37		88.9		78.3		30.7		23.8		33.7		2.8		732	5.18
2018		47,508,525		3,314,292	7.0		19,877	4.84		95.1		84.2		32.2		23.2		30.6		3.6		980	4.93
2019		63,569,183		7,377,172	11.6		38,401	4.28		91.1		81.5		29.8		20.4		32.9		3.4		1,469	3.83
2020		107,944,065		23,743,308	22.0		101,070	3.23		79.7		75.6		18.0		11.4		43.9		2.6		2,187	2.16
2021		84,218,250		37,012,232	43.9		130,843	3.11		93.6		75.3		19.5		13.8		39.7		6.4		3,548	2.71
2022		63,061,262		42,323,563	67.1		126,303	5.09		98.6		68.6		12.2		12.5		39.4		20.4		3,888	3.08
2023		47,666,852		31,851,543	66.8		94,279	6.56		98.9		74.2		20.0		11.3		37.7		25.0		3,334	3.54
2024		45,561,332		34,628,333	76.0		96,480	6.66		95.2		74.0		21.4		12.7		41.4		24.8		2,541	2.63
2025		46,563,546		40,156,852	86.2		104,880	6.54		87.2		65.6		15.8		10.5		49.4		16.9		970	0.92
2026 (through June 30)		25,220,294		24,756,568	98.2		61,743	6.16		80.6		64.2		15.5		10.6		51.6		5.5		61	0.10
Total	$	696,983,457	$	249,720,234	35.8		801,140	5.32		91.4		71.3		17.9		12.4		42.4		6.8		20,278	2.53
(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.

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

($ in thousands)
Insurance Linked Notes (1)
																					Earned Premiums Ceded
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 (3)
Radnor Re 2021-1	Aug. 2020 – Mar. 2021	$	15,836,468	$	4,438,234		$	557,911		$	50,256		$	—		$	278,956	$	275,536		$	616	$	1,400		$	17,741
Radnor Re 2021-2	Apr. 2021 – Sep. 2021		22,156,669		6,327,178			439,407			161,600			—			279,415		268,364			2,316		4,706			144,071
Radnor Re 2022-1	Oct. 2021 – Jul. 2022		22,499,218		6,295,041			237,868			113,796			—			303,761		284,970			2,522		5,088			113,795
Radnor Re 2023-1	Aug. 2022 – Jun. 2023		22,822,493		6,296,006			281,462			181,895			—			281,463		264,081			2,667		5,349			181,895
Radnor Re 2024-1	Jul. 2023 – Jul. 2024		21,827,253		6,054,012			363,366			192,982			—			256,495		251,896			2,173		4,558			142,806
Total		$	105,142,101	$	29,410,471		$	1,880,014		$	700,529		$	—		$	1,400,090	$	1,344,847		$	10,294	$	21,101		$	600,308

Excess of Loss Reinsurance (2)
																					Earned Premiums Ceded
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 (3)
(4)XOL 2019-1	Jan. 2018 – Dec. 2018	$	—	$	—		$	—		$	—		$	—		$	—	$	—		$	—	$	374		$	—
XOL 2020-1	Jan. 2019 – Aug. 2019		4,244,203		1,130,161			55,102			29,152			—			215,605		209,852			249		495			—
XOL 2022-1	Oct. 2021 – Dec. 2022		51,203,122		14,212,909			141,992			128,222			—			507,114		457,603			1,447		2,934			123,641
XOL 2023-1	Jan. 2023 – Dec. 2023		28,813,310		8,021,276			36,627			31,375			—			366,270		350,226			373		778			30,168
XOL 2024-1	Jan. 2024 – Dec. 2024		32,088,603		8,848,689			58,005			58,005			—			331,456		327,683			651		1,294			55,886
XOL 2025-1	Jan. 2025 – Dec. 2025		40,096,727		10,640,673			80,821			80,821			—			343,234		343,234			725		1,443			77,857
Total		$	156,445,965	$	42,853,708		$	372,547		$	327,575		$	—		$	1,763,679	$	1,688,598		$	3,445	$	7,318		$	287,552

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 (3)
Sep. 2019 – Dec. 2020	(5	)	$	26,846,772	$	7,481,592		$	5,596,026		$	1,535,452		$	(173	)	$	(162	)		$	1,683	$	3,475		$	2,254	$	4,850		$	97,777
Jan. 2022 – Dec. 2022	20	%		42,279,365		11,681,382			8,455,873			2,336,276			1,665			3,765				1,538		3,126			4,357		9,236			175,182
Jan. 2023 – Dec. 2023	17.5	%		28,733,450		8,001,630			5,028,354			1,400,285			1,517			4,120				1,054		2,164			3,730		8,664			114,066
Jan. 2024 – Dec. 2024	15	%		34,428,127		9,477,713			5,164,219			1,421,657			1,888			3,358				1,105		2,260			4,264		8,217			117,854
Jan. 2025 – Dec. 2025	25	%		40,122,328		10,647,726			10,030,582			2,661,931			1,996			3,832				1,766		3,599			5,263		10,490			183,604
Jan. 2026 – Dec. 2026	25	%		24,731,866		6,588,355			6,182,966			1,647,089			255			255				676		835			1,506		1,800			105,627
Total			$	197,141,908	$	53,878,398		$	40,458,020		$	11,002,690		$	7,148		$	15,168			$	7,822	$	15,459		$	21,374	$	43,257		$	794,110

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

(4) XOL 2019-1 terminated as of February 2026.

(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
	June 30, 2026			March 31, 2026			June 30, 2025
FL	12.1	%		12.0	%		12.0	%
CA	11.9			12.1			12.3
TX	11.5			11.5			11.3
AZ	4.2			4.1			3.9
GA	3.9			3.9			3.8
CO	3.9			4.0			4.0
WA	3.4			3.4			3.4
NC	3.3			3.2			3.1
MI	2.6			2.6			2.6
OH	2.6			2.6			2.6
All Others	40.6			40.6			41.0
Total	100.0	%		100.0	%		100.0	%
Gross RIF by State
	June 30, 2026			March 31, 2026			June 30, 2025
FL	12.4	%		12.3	%		12.2	%
CA	12.0			12.1			12.3
TX	11.7			11.7			11.5
AZ	4.3			4.2			4.0
GA	4.0			3.9			3.9
CO	3.9			3.9			4.0
WA	3.4			3.4			3.4
NC	3.3			3.2			3.1
MI	2.6			2.6			2.6
UT	2.6			2.6			2.6
All Others	39.8			40.1			40.4
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
		June 30				March 31				December 31				September 30				June 30
Beginning default inventory			20,332				20,210				18,583				17,255				17,759
Plus: new defaults (A)			9,846				11,100				11,245				10,357				8,810
Less: cures			(9,559	)			(10,708	)			(9,357	)			(8,713	)			(9,078	)
Less: claims paid			(316	)			(239	)			(235	)			(296	)			(215	)
Less: rescissions and denials, net			(25	)			(31	)			(26	)			(20	)			(21	)
Ending default inventory			20,278				20,332				20,210				18,583				17,255
(A)New defaults remaining as of June 30, 2026			7,559				3,918				2,935				1,847				1,144
Cure rate (1)			23	%			65	%			74	%			82	%			87	%
Total amount paid for claims (in thousands)		$	17,283			$	13,671			$	13,171			$	16,456			$	9,007
Average amount paid per claim (in thousands)		$	55			$	57			$	56			$	56			$	42
Severity			85	%			84	%			80	%			78	%			67	%
Rollforward of Reserve for Losses and LAE
		Three Months Ended
			2026								2025
($ in thousands)		June 30				March 31				December 31				September 30				June 30
Reserve for losses and LAE at beginning of period		$	458,901			$	429,610			$	379,548			$	345,952			$	338,128
Less: Reinsurance recoverables			61,591				56,120				47,957				41,966				40,351
Net reserve for losses and LAE at beginning of period			397,310				373,490				331,591				303,986				297,777
Add provision for losses and LAE occurring in:
Current period			58,393				62,792				67,865				62,349				45,119
Prior years			(29,002	)			(25,172	)			(12,705	)			(18,179	)			(29,796	)
Incurred losses and LAE during the period			29,391				37,620				55,160				44,170				15,323
Deduct payments for losses and LAE occurring in:
Current period			260				88				2,649				552				315
Prior years			17,148				13,712				10,612				16,013				8,799
Loss and LAE payments during the period			17,408				13,800				13,261				16,565				9,114
Net reserve for losses and LAE at end of period			409,293				397,310				373,490				331,591				303,986
Plus: Reinsurance recoverables			65,718				61,591				56,120				47,957				41,966
Reserve for losses and LAE at end of period		$	475,011			$	458,901			$	429,610			$	379,548			$	345,952
(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
		June 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		6,268		31	%	$	34,008	8	%	$	495,232	7	%
Three payments		2,812		14			29,835	7			237,120	13
Four to eleven payments		7,772		38			187,370	43			684,887	27
Twelve or more payments		2,965		15			154,442	35			252,845	61
Pending claims		461		2			33,265	7			36,888	90
Total case reserves		20,278		100	%		438,920	100	%	$	1,706,972	26	%
IBNR							32,919
LAE							3,172
Total reserves for losses and LAE						$	475,011
Average reserve per default:
Case						$	21.6
Total						$	23.4
Default Rate		2.53	%
3+ Month Default Rate		1.75	%
		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	%
		June 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		5,634		33	%	$	29,534	9	%	$	436,738	7	%
Three payments		2,375		14			23,028	7			189,938	12
Four to eleven payments		6,644		38			134,497	42			561,051	24
Twelve or more payments		2,388		14			118,154	37			190,189	62
Pending claims		214		1			14,195	5			15,789	90
Total case reserves		17,255		100	%		319,408	100	%	$	1,393,705	23	%
IBNR							23,956
LAE							2,588
Total reserves for losses and LAE						$	345,952
Average reserve per default:
Case						$	18.5
Total						$	20.0
Default Rate		2.12	%
3+ Month Default Rate		1.43	%

														Exhibit N
Essent Group Ltd. and Subsidiaries
Supplemental Information
U.S. Mortgage Insurance Company Capital
			2026								2025
		June 30				March 31				December 31				September 30				June 30
($ in thousands)
Essent Guaranty, Inc:
Statutory capital		$	3,678,202			$	3,682,476			$	3,572,887			$	3,732,465			$	3,714,146
Net risk in force (1)		$	31,118,806			$	31,785,517			$	32,486,788			$	33,367,706			$	33,986,508
Risk-to-capital ratio (2)		8.5:1				8.6:1				9.1:1				8.9:1				9.2:1
Essent Guaranty, Inc. PMIERs Data (3):
Available Assets		$	3,599,092			$	3,635,459			$	3,520,454			$	3,666,883			$	3,654,460
Minimum Required Assets			2,092,922				2,084,042				2,087,473				2,065,890				2,075,409
PMIERs excess Available Assets		$	1,506,170			$	1,551,417			$	1,432,981			$	1,600,993			$	1,579,051
PMIERs sufficiency ratio (4)			172	%			174	%			169	%			177	%			176	%
(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
			2026								2025
($ in thousands)		June 30				March 31				December 31				September 30				June 30
Net Premiums Written:
Mortgage		$	13,700			$	13,236			$	15,117			$	18,338			$	13,181
Non-mortgage			65,475				156,365				633				359				229
Total		$	79,175			$	169,601			$	15,750			$	18,697			$	13,410
Net Premiums Earned:
Mortgage		$	12,716			$	12,264			$	14,063			$	15,945			$	13,646
Non-mortgage			30,923				17,046				633				359				229
Total		$	43,639			$	29,310			$	14,696			$	16,304			$	13,875
Reserve for losses and LAE		$	27,739			$	10,076			$	359			$	153			$	88
Mortgage Reinsurance Statistics:
Reinsured risk in force		$	2,051,720			$	2,084,380			$	2,166,605			$	2,184,981			$	2,290,008
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)		$	1,634,429			$	1,660,416			$	1,695,390			$	1,722,135			$	1,751,720

									Exhibit P
Essent Group Ltd. and Subsidiaries
Supplemental Information
Cash & Investments
Cash & Investments by Asset Class
Asset Class		June 30, 2026							December 31, 2025
($ in thousands)		Fair Value				Percent			Fair Value			Percent
U.S. Treasury securities		$	274,488			4.2	%		$	369,712		5.6	%
U.S. agency mortgage-backed securities			1,103,830			16.8				1,174,895		17.8
Municipal debt securities			603,771			9.2				610,411		9.2
Non-U.S. government securities			49,271			0.8				56,024		0.8
Corporate debt securities			1,967,084			30.0				1,980,080		30.0
Residential and commercial mortgage securities			462,142			7.1				464,105		7.0
Asset-backed securities			954,223			14.6				800,366		12.1
Money market funds			623,886			9.5				648,492		9.8
Total investments available for sale		$	6,038,695			92.2	%		$	6,104,085		92.3	%
Other invested assets			441,852			6.7				382,513		5.8
Cash			74,333			1.1				123,049		1.9
Total cash and investments		$	6,554,880			100.0	%		$	6,609,647		100.0	%
Investments Available for Sale by Credit Rating
Rating (1)		June 30, 2026							December 31, 2025
($ in thousands)		Fair Value				Percent			Fair Value			Percent
Aaa		$	905,610			16.7	%		$	846,230		15.5	%
Aa1			1,636,582			30.2				1,799,508		32.9
Aa2			347,853			6.4				300,026		5.5
Aa3			324,831			6.0				319,848		5.9
A1			510,764			9.5				545,918		10.0
A2			530,561			9.8				511,146		9.4
A3			481,679			8.9				494,434		9.1
Baa1			254,449			4.7				244,424		4.5
Baa2			214,466			4.0				208,247		3.8
Baa3			140,522			2.6				122,596		2.2
Below Baa3			67,492			1.2				63,216		1.2
Total (2)		$	5,414,809			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 $623,886 and $648,492 of money market funds at June 30, 2026 and December 31, 2025, respectively.
Investments Available for Sale by Duration and Book Yield
Effective Duration		June 30, 2026							December 31, 2025
($ in thousands)		Fair Value				Percent			Fair Value			Percent
< 1 Year		$	1,619,802			26.8	%		$	1,549,327		25.4	%
1 to < 2 Years			465,830			7.7				527,914		8.6
2 to < 3 Years			483,881			8.0				532,211		8.7
3 to < 4 Years			664,408			11.0				571,255		9.4
4 to < 5 Years			499,657			8.3				536,135		8.8
5 or more Years			2,305,117			38.2				2,387,243		39.1
Total investments available for sale		$	6,038,695			100.0	%		$	6,104,085		100.0	%
Pre-tax investment yield (3)		Three Months Ended June 30, 2026				Six Months Ended June 30, 2026
Yield on cash and investments available for sale			3.99	%		3.89	%
Return on other invested assets			18.85	%		14.82	%
Aggregate yield on total cash and investments			4.89	%		4.54	%
(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 June 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)		June 30, 2026				June 30, 2025
Total Stockholders’ Equity (Book Value)		$	5,663,401			$	5,672,848
Total Common Shares Outstanding			89,876				99,556
Book Value per Share		$	63.01			$	56.98
12-Month Growth in Book Value per Share			10.6	%
Book Value per Share		$	63.01			$	56.98
Common Dividends Paid per Share 12-Months Ended June 30, 2026			1.32
Book Value Per Share Inclusive of Common Dividends		$	64.33
12-Month Growth in Book Value Per Share Inclusive of Common Dividends			12.9	%