---
schema_version: "secwatch.filing_event.v1"
accession: "0001448893-23-000010"
form_type: "8-K"
ticker: "ESNT"
cik: "0001448893"
company_name: "Essent Group Ltd."
filed_at: "2023-02-10T23:59:59+00:00"
generated_at: "2026-06-19T17:52:13.666390+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Essent Group Q4 net income $147.4M ($1.37 EPS); dividend raised to $0.25; acquires title ops for $100M

## Summary
- Q4 net income $147.4M ($1.37 diluted EPS) vs $181.0M ($1.64) in Q4 2021; full year 2022 net income $831.4M ($7.72) vs $681.8M ($6.11) in 2021.
- New insurance written in Q4 2022 $13.0B, down from $17.1B in Q3 2022 and $16.4B in Q4 2021.
- Combined ratio for Q4 2022 was 24.6%, up from 22.3% in Q3 2022 and 17.4% in Q4 2021.
- Board increased quarterly cash dividend to $0.25 per share, payable March 20, 2023 to holders of record March 10, 2023.
- Essent US Holdings agreed to acquire title insurance operations from Finance of America Companies for $100 million.

## SEC filing metadata
- accession: 0001448893-23-000010
- form_type: 8-K
- ticker: ESNT
- cik: 0001448893
- company_name: Essent Group Ltd.
- filed_at: 2023-02-10T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1448893/000144889323000010/0001448893-23-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1448893/000144889323000010/esnt-20230210.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001448893-23-000010
- JSON: https://secwatch.observer/filing/0001448893-23-000010.json
- Plain text: https://secwatch.observer/filing/0001448893-23-000010.txt

## Key facts
- Earnings Releases
  Essent Group Ltd. reported the year ended December 31, 2022 results: net income $831.4 million, EPS $7.72 per diluted share.
  - Period: the year ended December 31, 2022
  - Net income: $831.4 million
  - EPS: $7.72 per diluted share
  - Result: reported results
  source text: For the full year 2022, net income was $831.4 million or $7.72 per diluted share, compared to $681.8 million or $6.11 per diluted share for 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1448893/000144889323000010/0001448893-23-000010-index.htm
- Earnings Releases
  Essent Group Ltd. reported the quarter ended December 31, 2022 results: net income $147.4 million, EPS $1.37 per diluted share.
  - Period: the quarter ended December 31, 2022
  - Net income: $147.4 million
  - EPS: $1.37 per diluted share
  - Result: reported results
  source text: Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended December 31, 2022 of $147.4 million or $1.37 per diluted share, compared to $181.0 million or $1.64 per diluted share for the quarter ended December 31, 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1448893/000144889323000010/0001448893-23-000010-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.