Essent Group Ltd 2026年季度报告

FORM10-Q For the period ended March31, 2026 ESSENT GROUP LTD. (Exact name of registrant as specified in its charter) Clarendon House2 Church StreetHamilton HM11, Bermuda(Address of principal executive offices and zip code)(441)297-9901(Registrant’s telephone number, including area code) Securities registered pursuant to Section12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and(2)has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuantto Rule405 of Regulation S-T (§232-405 of this chapter) during the preceding 12months (or for such shorter period that the registrant wasrequired to submit such files.)Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,”and "emerging growth company" in Rule12b-2 of the Exchange Act. Large accelerated filerNon-acceleratedfiler Accelerated filerSmallerreportingcompanyEmerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).Yes☐No☒The number of the registrant’s common shares outstanding as of April30, 2026 was 92,152,860. Essent GroupLtd. and Subsidiaries Form10-Q Index PARTI.FINANCIALINFORMATION1Item 1.Financial Statements (Unaudited)1Condensed Consolidated Balance Sheets (Unaudited)1Condensed Consolidated Statements of Comprehensive Income (Unaudited)2Condensed Consolidated Statements of Changes in Stockholders’ Equity (Unaudited)3Condensed Consolidated Statements of Cash Flows (Unaudited)4Notes to Condensed Consolidated Financial Statements (Unaudited)5Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations26Item 3.Quantitative and Qualitative Disclosures About Market Risk51Item 4.Controls and Procedures51PARTII.OTHER INFORMATION52Item 1.Legal Proceedings52Item 1A.Risk Factors52Item 2.Unregistered Sales of Equity Securities and Use of Proceeds52Item 5.Other Information52Item 6.Exhibits53SIGNATURES54 Unless the context otherwise indicates or requires, the terms “we,” “our,” “us,” “Essent,” and the “Company,” as used in this QuarterlyReport on Form10-Q, refer to Essent Group Ltd. and its directly and indirectly owned subsidiaries, including our primary operatingsubsidiaries, Essent Guaranty,Inc. ("Essent Guaranty"), Essent Reinsurance Ltd. ("Essent Re"), and Essent Title Insurance, Inc. ("EssentTitle"), as a combined entity, except where otherwise stated or where it is clear that the terms mean only Essent Group Ltd. exclusive of itssubsidiaries. SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form10-Q, or Quarterly Report, includes forward-looking statements pursuant to the “safe harbor”provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements relate to expectations, beliefs, projections,future plans and strategies, anticipated events or trends and similar expressions concerning matters that are not historical facts or present factsor conditions, such as statements regarding our future financial condition or results of operations, our prospects and strategies for future growth,the introduction of new products and services, and the implementation of our marketing and branding strategies. In many cases, you canidentify forward-looking statements by terms such as “may,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,”“predicts,” “potential” or the negative of these terms or other comparable terminology. The forward-looking statements contained in thisQuarterly Reportreflect our views as of the date of this Quarterly Report aboutfuture events and are subject to risks, uncertainties, assumptions and changes in circumstances that may cause events or our actual activities orresults to differ significantly from those expressed in any forward-looking statement. Although we believe that the expectations reflected in theforward-looking statements are reasonable, we cannot guarantee future events, results, actions, levels of activity, performance or achievements.A number of important factors could cause actual results to differ materially from those indicated by the forward-looking statements, including,but