Essent Guaranty Q2 2023

*13634202320100102*

PROPERTY AND CASUALTY COMPANIES - ASSOCIATION EDITION

QUARTERLY STATEMENT

AS OF JUNE 30, 2023

OF THE CONDITION AND AFFAIRS OF THE

ESSENT GUARANTY, INC.

NAIC Group Code

4694

NAIC Company Code 13634

Employer's ID Number

26-3728115

(Current)

(Prior)

Organized under the Laws of

Pennsylvania

, State of Domicile or Port of Entry

Country of Domicile

United States of America

Incorporated/Organized

11/14/2008

Commenced Business

07/09/2009

Statutory Home Office

Two Radnor Corporate Center - 100 Matsonford Rd., 3rd Floor ,

Radnor, PA, US 19087

(Street and Number)

(City or Town, State, Country and Zip Code)

Main Administrative Office

Two Radnor Corporate Center - 100 Matsonford Rd., 3rd Floor

(Street and Number)

Radnor, PA, US 19087

877-673-8190

(City or Town, State, Country and Zip Code)

(Area Code) (Telephone Number)

Mail Address

Two Radnor Corporate Center - 100 Matsonford Rd., 3rd Floor

Radnor, PA, US 19087

(Street and Number or P.O. Box)

(City or Town, State, Country and Zip Code)

Primary Location of Books and Records

Two Radnor Corporate Center - 100 Matsonford Rd., 3rd Floor

(Street and Number)

Radnor, PA, US 19087

877-673-8190

(City or Town, State, Country and Zip Code)

(Area Code) (Telephone Number)

Internet Website Address

www.essent.us

Statutory Statement Contact

David Weinstock

610-230-0569

(Name)

(Area Code) (Telephone Number)

David.Weinstock@essent.us

610-386-2396

(E-mail Address)

(FAX Number)

OFFICERS

CEO	Mark Anthony Casale	SVP/CLO/Secretary	Mary Lourdes Gibbons
President	Christopher Gerard Curran	SVP/CFO	David Bruce Weinstock #

OTHER

William Daniel Kaiser, SVP/COOJoseph James Manion Jr., VP/Treasurer

DIRECTORS OR TRUSTEES

		Mark Anthony Casale		Christopher Gerard Curran	Robert Emil Glanville
		Angela Louise Heise		Roy James Kasmar	Anu Karna
		Douglas John Pauls
State of	Pennsylvania		SS:
County of	Delaware

The officers of this reporting entity being duly sworn, each depose and say that they are the described officers of said reporting entity, and that on the reporting period stated above, all of the herein described assets were the absolute property of the said reporting entity, free and clear from any liens or claims thereon, except as herein stated, and that this statement, together with related exhibits, schedules and explanations therein contained, annexed or referred to, is a full and true statement of all the assets and liabilities and of the condition and affairs of the said reporting entity as of the reporting period stated above, and of its income and deductions therefrom for the period ended, and have been completed in accordance with the NAIC Annual Statement Instructions and Accounting Practices and Procedures manual except to the extent that: (1) state law may differ; or, (2) that state rules or regulations require differences in reporting not related to accounting practices and procedures, according to the best of their information, knowledge and belief, respectively. Furthermore, the scope of this attestation by the described officers also includes the related corresponding electronic filing with the NAIC, when required, that is an exact copy (except for formatting differences due to electronic filing) of the enclosed statement. The electronic filing may be requested by various regulators in lieu of or in addition to the enclosed statement.

Christopher Gerard Curran		Mary Lourdes Gibbons	David Bruce Weinstock
	President		SVP/CLO/Secretary		SVP/CFO
					a. Is this an original filing?	Yes [ X ] No [ ]
Subscribed and swoto before me this			b. If no,
7th	day of		August 2023		1.	State the amendment number
				2.	Date filed
				3.	Number of pages attached
Lois A. Chapla
Notary Public
06/11/2027

STATEMENT AS OF JUNE 30, 2023 OF THE ESSENT GUARANTY, INC.

ASSETS

			Current Statement Date		4
		1	2		3	December 31
					Net Admitted Assets	Prior Year Net
		Assets	Nonadmitted Assets		(Cols. 1 - 2)	Admitted Assets
1.	Bonds	............ 3,109,024,265	...................................	............	3,109,024,265	............ 3,077,708,914
2.	Stocks:
	2.1 Preferred stocks	...................................	...................................	.................................	0	.................................0
	2.2 Common stocks	785,211	219,711	......................	565,500	...................... 640,500

3. Mortgage loans on real estate:

	3.1 First liens	..................................................................................................	...................................	...................................	0	0
	3.2 Other than first liens	...................................	...................................	0	0
4.	Real estate:
	4.1 Properties occupied by the company (less $
	encumbrances)	...................................	...................................	0	0
	4.2 Properties held for the production of income (less
	$	encumbrances)	...................................	...................................	.................................0	.................................0
	4.3 Properties held for sale (less $

	.......................................................................................encumbrances)	.......................270,776	...................................	.......................270,776	.................................0
5.	Cash ($	50,801,738 ), cash equivalents
	($	77,170,190	) and short-term
	investments ($	5,883,910 )	133,855,838	...................................	133,855,838	122,178,996
6.	Contract loans (including $	................................... premium notes)	...................................	...................................	0	0
7.	Derivatives		...................................	...................................	0	0
8.	Other invested assets	144,728,842	0	144,728,842	146,924,805
9.	Receivables for securities	26,702	...................................	26,702	40,590
10.	Securities lending reinvested collateral assets	...................................	...................................	0	0
11.	Aggregate write-ins for invested assets	0	0	0	0
12.	Subtotals, cash and invested assets (Lines 1 to 11)	3,388,691,634	219,711	3,388,471,923	3,347,493,804
13.	Title plants less $	charged off (for Title insurers
	only)		...................................	...................................	0	0
14.	Investment income due and accrued	25,167,196	...................................	25,167,196	22,713,842

15. Premiums and considerations:

15.1	Uncollected premiums and agents' balances in the course of collection	................. 44,035,861	................................... ................. 44,035,861	41,399,633
15.2	Deferred premiums, agents' balances and installments booked but
	deferred and not yet due (including $
	earned but unbilled premiums)	...................................	................................... .................................0	0
15.3	Accrued retrospective premiums ($	) and
	contracts subject to redetermination ($	)	...................................	................................... .................................0	0

16. Reinsurance:


	16.1	Amounts recoverable from reinsurers	...................................	...................................	0	0
	16.2	Funds held by or deposited with reinsured companies	...................................	...................................	0	0
	16.3	Other amounts receivable under reinsurance contracts	...................................	...................................	0	0
17.	Amounts receivable relating to uninsured plans	...................................	...................................	0	0
18.1	Current federal and foreign income tax recoverable and interest thereon ....	6,932,295	...................................	6,932,295	0
18.2	Net deferred tax asset	...................................................................................	40,727,601	14,149,645	26,577,956	27,098,363
19.	Guaranty funds receivable or on deposit	...................................	...................................	.................................0	.................................0
20.	.....................................Electronic data processing equipment and software	................... 3,569,831	................... 3,045,324	...................... 524,507	...................... 504,163
21.	Furniture and equipment, including health care delivery assets
	($	)	...................1,056,784	...................1,056,784	.................................0	.................................0
22.	Net adjustment in assets and liabilities due to foreign exchange rates	...................................	...................................	.................................0	.................................0
23.	.....................................Receivables from parent, subsidiaries and affiliates	...................... 162,395	...................................	...................... 162,395	.......................153,476
24.	Health care ($	) and other amounts receivable	...................................	...................................	.................................0	.................................0
25.	Aggregate write-ins for other than invested assets	14,817,525	14,417,525	400,000	400,000

26. Total assets excluding Separate Accounts, Segregated Accounts and

	Protected Cell Accounts (Lines 12 to 25)	3,525,161,122	32,888,989	3,492,272,133	3,439,763,281
27.	From Separate Accounts, Segregated Accounts and Protected Cell
	Accounts	...................................	...................................	0	0
28.	Total (Lines 26 and 27)	3,525,161,122	32,888,989	3,492,272,133	3,439,763,281
	DETAILS OF WRITE-INS

1101.	......................................................................................................................	....................................	....................................	....................................	....................................
1102.	......................................................................................................................	....................................	....................................	....................................	....................................
1103.	......................................................................................................................	....................................	....................................	....................................	....................................
1198.	Summary of remaining write-ins for Line 11 from overflow page	.................................0	.................................0	.................................0	.................................0
1199.	Totals (Lines 1101 through 1103 plus 1198)(Line 11 above)	0	0	0	0
2501.	Prepaid expenses	................. 14,417,525	................. 14,417,525	.................................0	.................................0
2502.	Accounts receivable	...................... 400,000	...................................	...................... 400,000	...................... 400,000
2503.	.......................................................................................................................	....................................	....................................	....................................	....................................
2598.	Summary of remaining write-ins for Line 25 from overflow page	.................................0	.................................0	.................................0	.................................0
2599.	Totals (Lines 2501 through 2503 plus 2598)(Line 25 above)	14,817,525	14,417,525	400,000	400,000

STATEMENT AS OF JUNE 30, 2023 OF THE ESSENT GUARANTY, INC.

LIABILITIES, SURPLUS AND OTHER FUNDS

							1	2
							Current	December 31,
							Statement Date	Prior Year
1.	Losses (current accident year $	30,601,264 )			................134,935,131	................141,308,834
2.	.......................................................................................Reinsurance payable on paid losses and loss adjustment expenses			...................................	.................................0
3.	Loss adjustment expenses					...................1,235,116	...................1,326,062
4.	Commissions payable, contingent commissions and other similar charges	.............................................................................		...................................	...................................
5.	...............................................................................................................Other expenses (excluding taxes, licenses and fees)			................. 31,662,453	................. 36,830,981
6.	...................................................................................Taxes, licenses and fees (excluding federal and foreign income taxes)			...................3,045,168	................... 2,376,245
7.1	Current federal and foreign income taxes (including $	on realized capital gains (losses))	..............	...................................	...................... 524,284
7.2	Net deferred tax liability					...................................	...................................
8.	Borrowed money $	and interest thereon $	..............................................	...................................	...................................
9.	Unearned premiums (after deducting unearned premiums for ceded reinsurance of $	45,600,139	and
	including warranty reserves of $ ................................... and accrued accident and health experience rating refunds
	including $	...............................for medical loss ratio rebate per the Public Health Service Act)	................106,891,072	............... 115,448,654
10.	Advance premium					...................................	...................................
11.	Dividends declared and unpaid:
	11.1 Stockholders					...................................	...................................
	11.2 Policyholders					...................................	...................................
12.	........................................................................................Ceded reinsurance premiums payable (net of ceding commissions)			................. 74,011,505	................. 67,565,520
13.	..................................................................................................................Funds held by company under reinsurance treaties			...................................	.................................0
14.	..............................................................................................Amounts withheld or retained by company for account of others			...................................	...................................
15.	........................................................................................................................................Remittances and items not allocated				...................................	.......................(43,968)
16.	Provision for reinsurance (including $	................................... certified)			...................................	.................................0
17.	...................................................................................Net adjustments in assets and liabilities due to foreign exchange rates			...................................	...................................
18.	Drafts outstanding					...................................	...................................
19.	............................................................................................................................Payable to parent, subsidiaries and affiliates			...................2,275,640	...................4,046,406
20.	Derivatives					.................................0	.................................0
21.	Payable for securities					.......................978,947	...................1,606,141
22.	....................................................................................................................................................Payable for securities lending					...................................	...................................
23.	......................................................................................................................Liability for amounts held under uninsured plans			...................................	...................................
24.	Capital notes $	and interest thereon $	.................................................	...................................	...................................
25.	Aggregate write-ins for liabilities				2,158,754,813	2,048,739,712
26.	Total liabilities excluding protected cell liabilities (Lines 1 through 25)			2,513,789,845	2,419,728,871
27.	Protected cell liabilities					...................................	...................................
28.	...............................................................................................................................................Total liabilities (Lines 26 and 27)				............ 2,513,789,845	............ 2,419,728,871
29.	............................................................................................................................Aggregate write-ins for special surplus funds			.................................0	.................................0
30.	Common capital stock					...................2,500,000	...................2,500,000
31.	Preferred capital stock					...................................	...................................
32.	Aggregate write-ins for other than special surplus funds			.................................0	.................................0
33.	Surplus notes					...................................	...................................
34.	.......................................................................................................................................Gross paid in and contributed surplus				................702,810,000	................702,810,000
35.	Unassigned funds (surplus)					................273,172,288	................314,724,410
36.	Less treasury stock, at cost:
	36.1	shares common (value included in Line 30	$	)	...................................	...................................
	36.2	shares preferred (value included in Line 31	$	)
37.	Surplus as regards policyholders (Lines 29 to 35, less 36)			978,482,288	1,020,034,410
38.	Totals (Page 2, Line 28, Col. 3)					3,492,272,133	3,439,763,281
	DETAILS OF WRITE-INS
2501.	Contingency reserve					2,158,754,813	............ 2,048,739,712
2502		....................................
2503		....................................
2598.	..............................................................................................Summary of remaining write-ins for Line 25 from overflow page			.................................0	.................................0
2599.	Totals (Lines 2501 through 2503 plus 2598)(Line 25 above)				2,158,754,813	2,048,739,712
2901		....................................
2902		....................................
2903		....................................
2998.	..............................................................................................Summary of remaining write-ins for Line 29 from overflow page			.................................0	.................................0
2999.	Totals (Lines 2901 through 2903 plus 2998)(Line 29 above)				0	0
3201		....................................
3202		....................................
3203		....................................
3298.	..............................................................................................Summary of remaining write-ins for Line 32 from overflow page			.................................0	.................................0
3299.	Totals (Lines 3201 through 3203 plus 3298)(Line 32 above)				0	0

STATEMENT AS OF JUNE 30, 2023 OF THE ESSENT GUARANTY, INC.

STATEMENT OF INCOME

					1	2	3
					Current	Prior Year	Prior Year Ended
					Year to Date	to Date	December 31
		UNDERWRITING INCOME
1.	Premiums earned:
	1.1 Direct (written $	454,808,764	)	................465,204,390	............... 445,044,242	................896,817,936
	1.2 Assumed (written $	)	...................................	...................................	.................................0
	1.3 Ceded (written $	198,368,862	)	............... 200,206,905	................160,130,731	................345,911,596
	1.4 Net (written $	256,439,902 )	.....................................................................................	................264,997,485	................284,913,511	................550,906,340
		DEDUCTIONS:
2.	Losses incurred (current accident year $	30,607,833	):
	2.1 Direct			................... 4,565,734	..............(193,659,214)	..............(184,494,570)
	2.2 Assumed			...................................	...................................	.................................0
	2.3 Ceded			...................8,096,579	................(58,672,485)	................(53,161,747)
	2.4 Net			................. (3,530,845)	..............(134,986,729)	..............(131,332,823)
3.	....................................................................................................Loss adjustment expenses incurred		.......................(32,533)	.....................(358,145)	.....................(241,886)
4.	.................................................................................................Other underwriting expenses incurred		................. 46,574,023	................. 46,978,174	................. 94,084,712
5.	..................................................................................Aggregate write-ins for underwriting deductions	.................................0	.................................0	.................................0
6.	...............................................................................Total underwriting deductions (Lines 2 through 5)	................. 43,010,645	................(88,366,700)	................(37,489,997)
7.	Net income of protected cells
8.	Net underwriting gain (loss) (Line 1 minus Line 6 + Line 7)	............... 221,986,840	................373,280,211	................588,396,337
		INVESTMENT INCOME
9.	............................................................................................................Net investment income earned		................. 55,748,829	................. 43,168,964	................. 90,699,533
10.	Net realized capital gains (losses) less capital gains tax of $	(282,472)	(1,021,046)	2,905,920	(1,026,985)
11.	Net investment gain (loss) (Lines 9 + 10)		................. 54,727,783	................. 46,074,884	................. 89,672,548
		OTHER INCOME
12.	Net gain or (loss) from agents' or premium balances charged off (amount recovered
	$	amount charged off $	)	.................................0	.................................0	.................................0
13.	......................................................................Finance and service charges not included in premiums	...................................	...................................	...................................
14.	Aggregate write-ins for miscellaneous income	...................................................................................	2,475,000	2,625,000	5,225,000
15.	Total other income (Lines 12 through 14)		2,475,000	2,625,000	5,225,000

16. Net income before dividends to policyholders, after capital gains tax and before all other federal

and foreign income taxes (Lines 8 + 11 + 15)

279,189,623

421,980,095

683,293,885

Dividends to policyholders ...................................................................................................................
Net income, after dividends to policyholders, after capital gains tax and before all other federal and

	foreign income taxes (Line 16 minus Line 17)	279,189,623	421,980,095	683,293,885
19.	Federal and foreign income taxes incurred	94,087,541	54,697,361	92,788,559
20.	Net income (Line 18 minus Line 19)(to Line 22)	185,102,082	367,282,734	590,505,326
	CAPITAL AND SURPLUS ACCOUNT
21.	Surplus as regards policyholders, December 31 prior year	1,020,034,410	1,043,866,319	1,043,866,319
22.	Net income (from Line 20)	185,102,082	367,282,734	590,505,326
23.	Net transfers (to) from Protected Cell accounts	...................................	...................................	...................................
24.	Change in net unrealized capital gains (losses) less capital gains tax of $		................. (4,172,529)	................. 10,486,622	................. 22,391,155
25.	Change in net unrealized foreign exchange capital gain (loss)	...................................	...................................	...................................
26.	Change in net deferred income tax	.....................(536,386)	................... 1,273,565	................. (4,855,195)

27.	Change in nonadmitted assets		................. 68,062,760	................(67,958,894)	................(60,804,557)
28.	Change in provision for reinsurance		...................................	...................................	.................................0
29.	Change in surplus notes		...................................	...................................	...................................
30.	Surplus (contributed to) withdrawn from protected cells		...................................	...................................	...................................
31.	Cumulative effect of changes in accounting principles		...................................	...................................	...................................
32.	Capital changes:
	32.1 Paid in		...................................	...................................	...................................
	32.2 Transferred from surplus (Stock Dividend)		...................................	...................................	...................................
	32.3 Transferred to surplus
	...................................	...................................	...................................
33.	Surplus adjustments:
	33.1 Paid in		.................................0	.................................0	.................................0
	33.2 Transferred to capital (Stock Dividend)	...................................	...................................	...................................
	33.3 Transferred from capital	...................................	...................................	...................................
34.	Net remittances from or (to) Home Office	...................................	...................................	...................................
35.	Dividends to stockholders		..............(179,992,948)	..............(200,000,000)	..............(315,000,000)
36.	Change in treasury stock		...................................	...................................	.................................0
37.	Aggregate write-ins for gains and losses in surplus		(110,015,101)	(136,155,532)	(256,068,638)
38.	Change in surplus as regards policyholders (Lines 22 through 37)		(41,552,122)	(25,071,505)	(23,831,909)
39.	Surplus as regards policyholders, as of statement date (Lines 21 plus 38)		978,482,288	1,018,794,814	1,020,034,410
	DETAILS OF WRITE-INS
0501
		....................................	....................................
0502			....................................	....................................
0503			....................................	....................................
0598.	Summary of remaining write-ins for Line 5 from overflow page	.................................0	.................................0	.................................0
0599.	Totals (Lines 0501 through 0503 plus 0598)(Line 5 above)		0	0	0
1401.	Service fee income	2,475,000	...................2,625,000	...................5,225,000
1402			....................................	....................................
1403			....................................	....................................
1498.	Summary of remaining write-ins for Line 14 from overflow page	.................................0	.................................0	.................................0
1499.	Totals (Lines 1401 through 1403 plus 1498)(Line 14 above)		2,475,000	2,625,000	5,225,000
3701.	Increase in contingency reserves	(110,015,101)	..............(136,155,532)	..............(256,068,638)
3702			....................................	....................................
3703			....................................	....................................
3798.	Summary of remaining write-ins for Line 37 from overflow page	.................................0	.................................0	.................................0
3799.	Totals (Lines 3701 through 3703 plus 3798)(Line 37 above)		(110,015,101)	(136,155,532)	(256,068,638)

STATEMENT AS OF JUNE 30, 2023 OF THE ESSENT GUARANTY, INC.

CASH FLOW

			1	2	3
			Current Year	Prior Year	Prior Year Ended
			To Date	To Date	December 31
	Cash from Operations
1.	Premiums collected net of reinsurance	............... 260,249,660	................260,419,513	............... 520,809,906
2.	Net investment income	................. 56,874,488	................. 43,710,544	................. 89,416,323
3.	Miscellaneous income	2,475,000	2,625,000	5,225,000
4.	Total (Lines 1 to 3)	319,599,148	306,755,057	615,451,229
5.	Benefit and loss related payments	...................2,842,858	...................1,484,205	................... 3,602,782
6.	.................Net transfers to Separate Accounts, Segregated Accounts and Protected Cell Accounts	.................................0	.................................0	.................................0
7.	...............................................Commissions, expenses paid and aggregate write-ins for deductions	................. 50,478,916	................. 53,281,655	................. 91,979,686
8.	Dividends paid to policyholders	.................................0	.................................0	.................................0
9.	Federal and foreign income taxes paid (recovered) net of $	tax on capital
	gains (losses)	37,205,952	48,651,825	93,846,943
10.	Total (Lines 5 through 9)	90,527,726	103,417,685	189,429,411
11.	Net cash from operations (Line 4 minus Line 10)	229,071,422	203,337,372	426,021,818

Cash from Investments

12. Proceeds from investments sold, matured or repaid:

12.1	Bonds	................301,252,482	................332,913,773	................426,463,069
12.2	Stocks	........................ 75,000	........................ 16,000	........................ 16,000
12.3	Mortgage loans	.................................0	.................................0	.................................0
12.4	Real estate	.................................0	...................... 342,805	...................... 342,805
12.5	Other invested assets	...................3,451,194	...................7,155,455	................... 9,237,270
12.6	Net gains or (losses) on cash, cash equivalents and short-term investments	.................................0	.................................0	..........................2,945
12.7	Miscellaneous proceeds	0	0	0
12.8 Total investment proceeds (Lines 12.1 to 12.7)	................304,778,676	................340,428,033	................436,062,089
13. Cost of investments acquired (long-term only):
13.1	Bonds	................381,963,329	................292,676,955	................482,447,649
13.2	Stocks	.................................0	.................................0	.................................0
13.3	Mortgage loans	.................................0	.................................0	.................................0
13.4	Real estate	.......................270,776	...................... 342,805	...................... 342,805
13.5	Other invested assets	................... 3,536,160	................... 9,311,187	................. 41,630,066
13.6	Miscellaneous applications	613,306	4,518,662	5,651,543
13.7	Total investments acquired (Lines 13.1 to 13.6)	386,383,571	306,849,609	530,072,063
14. Net increase (or decrease) in contract loans and premium notes	0	0	0
15. Net cash from investments (Line 12.8 minus Line 13.7 and Line 14)	(81,604,895)	33,578,424	(94,009,974)

Cash from Financing and Miscellaneous Sources

16. Cash provided (applied):

16.1	Surplus notes, capital notes	.................................0	.................................0	.................................0
16.2	Capital and paid in surplus, less treasury stock	.................................0	.................................0	.................................0
16.3	Borrowed funds	.................................0	.................................0	.................................0
16.4	Net deposits on deposit-type contracts and other insurance liabilities	.................................0	.................................0	.................................0
..........................................................................................................16.5 Dividends to stockholders	................136,785,000	............... 200,000,000	................315,000,000
....................................................................................................16.6 Other cash provided (applied)	995,315	(68,409,803)	(69,627,885)
17. Net cash from financing and miscellaneous sources (Line 16.1 through Line 16.4 minus Line 16.5
plus Line 16.6)	(135,789,685)	(268,409,803)	(384,627,885)

	RECONCILIATION OF CASH, CASH EQUIVALENTS AND SHORT-TERM INVESTMENTS
18.	Net change in cash, cash equivalents and short-term investments (Line 11, plus Lines 15 and 17) .	11,676,842
19.	Cash, cash equivalents and short-term investments:
	19.1 Beginning of year	................122,178,996
	19.2 End of period (Line 18 plus Line 19.1)	133,855,838

................(31,494,007)	................(52,616,041)
174,795,037
................174,795,037
143,301,030	122,178,996

Note: Supplemental disclosures of cash flow information for non-cash transactions:

20.0001. Dividend of bonds to Parent	................. 43,207,948	...................................	...................................

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Essent Group Ltd. published this content on 15 August 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 15 August 2023 18:19:08 UTC.

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