Essent Group Ltd.
Essent Group Ltd. (NYSE: ESG) operates as a leading provider of private mortgage insurance and related services to the U.S. housing finance industry. The company's website is www.essentgroup.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Essent Group Ltd. does
In the company’s own words
Essent Group Ltd. (NYSE: ESG) operates as a leading provider of private mortgage insurance and related services to the U.S. housing finance industry. The company's website is www.essentgroup.com.
The company serves the mortgage lending ecosystem through two primary business segments: Mortgage Insurance and Reinsurance. The Mortgage Insurance segment, representing the core business, offers private mortgage insurance for residential first-lien mortgage loans secured by properties in the United States through its Pennsylvania-domiciled subsidiary Essent Guaranty, Inc., which is licensed in all 50 states and the District of Columbia and approved by Fannie Mae and Freddie Mac. As of December 31, 2025, Essent maintained approximately $248.4 billion of private mortgage insurance in force and generated new insurance written of $46.6 billion during the fiscal year. The company also provides contract underwriting and other credit risk management solutions to mortgage originators.
The Reinsurance segment, conducted through Bermuda-based Essent Reinsurance Ltd., primarily reinsures U.S. mortgage risk in government-sponsored enterprise credit risk transfer transactions and provides underwriting consulting services. As of December 31, 2025, Essent Re provided insurance or reinsurance relating to approximately $2.3 billion of risk. In the fourth quarter of 2025, Essent Re expanded into the Lloyd's of London market to reinsure certain property and casualty risks beginning in 2026.
The company also operates a title insurance business through its subsidiaries Essent Title Insurance, Inc. and Boston National Title, acquired in July 2023, offering title insurance products and settlement services through direct operations and a network of title insurance agents.
Essent's mortgage insurance customers consist of regulated depository institutions, mortgage banks, credit unions and other residential mortgage loan originators. The top ten customers generated 59.3% of new insurance written on a flow basis during 2025. Private mortgage insurance plays a critical role in the U.S. housing finance system by facilitating secondary market sales of low down payment loans and providing lenders and investors with mortgage credit risk mitigation. The company's portfolio is geographically diverse, with only three states accounting for greater than five percent of insurance in force as of year-end 2025.
Company details
- Sector
- Financials
- Industry
- Insurance
- Headquarters
- HAMILTON, D0
- Fiscal year end
- December
- CIK
- 1448893
- SIC
- 6351
Financial performance, year by year
Fiscal 2014–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Essent Group Ltd. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Essent Group Ltd.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Essent Group Ltd.’s bonds, as funds hold them
Funds report holding 1 issues of Essent Group Ltd.’s debt, $163.95M at market value — what funds hold, not the company’s total debt. Weighted-average coupon 6.25%, maturing 2029 to 2029.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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