Q4 2023 Supplement

Essent Group Ltd. and Subsidiaries

Financial Results and Supplemental Information (Unaudited)

Quarter and Year Ended December 31, 2023

Exhibit A Condensed Consolidated Statements of Comprehensive Income (Unaudited)

Exhibit B Condensed Consolidated Balance Sheets (Unaudited)

Exhibit C Consolidated Historical Quarterly Data

Exhibit D U.S Mortgage Insurance Portfolio Historical Quarterly Data

Exhibit E New Insurance Written - U.S. Mortgage Insurance Portfolio

Exhibit F Insurance in Force and Risk in Force - U.S. Mortgage Insurance Portfolio

Exhibit G Other Risk in Force

Exhibit H U.S. Mortgage Insurance Portfolio Vintage Data

Exhibit I U.S. Mortgage Insurance Portfolio Reinsurance Vintage Data

Exhibit J U.S. Mortgage Insurance Portfolio Geographic Data

Exhibit K Rollforward of Defaults and Reserve for Losses and LAE

Exhibit L Detail of Reserves by Default Delinquency Exhibit M Investments Available for Sale

Exhibit N U.S. Mortgage Insurance Company Capital

Exhibit O Loss, Expense and Combined Ratios and Reconciliation of Non-GAAP Financial Measures

Exhibit A

Essent Group Ltd. and Subsidiaries

Condensed Consolidated Statements of Comprehensive Income (Unaudited)

	Three Months Ended December 31,			Year Ended December 31,
(In thousands, except per share amounts)		2023			2022			2023	2022
Revenues:
Direct premiums written	$	269,255	$	235,015	$	1,028,781	$	927,702
Ceded premiums		(31,068)			(34,289)			(134,499)	(107,673)
Net premiums written		238,187			200,726			894,282	820,029
Decrease in unearned premiums		7,427			6,526			22,624	22,498
Net premiums earned		245,614			207,252			916,906	842,527
Net investment income		50,581			37,796			186,139	124,409
Realized investment gains (losses), net		(4,892)			(5,524)			(7,204)	(13,172)
Income (loss) from other invested assets		(421)			(7,599)			(11,118)	28,676
Other income (loss)		6,395			(1,888)			25,036	18,384
Total revenues		297,277			230,037			1,109,759	1,000,824
Losses and expenses:
Provision (benefit) for losses and LAE		19,640			4,101			31,542	(174,704)
Other underwriting and operating expenses		55,248			46,895			200,431	171,733
Premiums retained by agents		11,475			-			24,650	-
Interest expense		7,953			6,045			30,137	15,608
Total losses and expenses		94,316			57,041			286,760	12,637
Income before income taxes		202,961			172,996			822,999	988,187
Income tax expense		27,594			25,630			126,613	156,834
Net income	$	175,367	$	147,366	$	696,386	$	831,353
Earnings per share:

Basic	$	1.66	$	1.38	$	6.56	$	7.75
Diluted		1.64			1.37			6.50	7.72
Weighted average shares outstanding:
Basic		105,733			106,881			106,222	107,205
Diluted		106,823			107,419			107,129	107,653
Net income	$	175,367	$	147,366	$	696,386	$	831,353
Other comprehensive income (loss):
Change in unrealized appreciation (depreciation) of investments		155,887			40,787			102,294	(433,497)
Total other comprehensive income (loss)		155,887			40,787			102,294	(433,497)
Comprehensive income	$	331,254	$	188,153	$	798,680	$	397,856

Exhibit B

Essent Group Ltd. and Subsidiaries

Condensed Consolidated Balance Sheets (Unaudited)

		December 31,			December 31,
(In thousands, except per share amounts)		2023			2022
Assets
Investments
Fixed maturities available for sale, at fair value	$	4,335,008	$	4,489,598
Short-term investments available for sale, at fair value		928,731			252,027
Total investments available for sale		5,263,739			4,741,625
Other invested assets		277,226			257,941
Total investments		5,540,965			4,999,566
Cash		141,787			81,240
Accrued investment income		35,689			33,162
Accounts receivable		63,266			57,399
Deferred policy acquisition costs		9,139			9,910
Property and equipment		41,304			19,571
Prepaid federal income tax		470,646			418,460
Goodwill and intangible assets, net		72,826			-
Other assets		51,051			104,489
Total assets	$	6,426,673	$	5,723,797
Liabilities and Stockholders' Equity

Liabilities
Reserve for losses and LAE	$	260,095	$	216,464
Unearned premium reserve		140,285			162,887
Net deferred tax liability		362,753			356,810
Credit facility borrowings, net of deferred costs		421,920			420,864
Other accrued liabilities		139,070			104,463
Total liabilities		1,324,123			1,261,488
Commitments and contingencies
Stockholders' Equity
Common shares, $0.015 par value:
Authorized - 233,333; issued and outstanding - 106,597 shares in 2023 and 107,683 shares in 2022		1,599			1,615
Additional paid-in capital		1,299,869			1,350,377
Accumulated other comprehensive (loss) income		(280,496)			(382,790)
Retained earnings		4,081,578			3,493,107
Total stockholders' equity		5,102,550			4,462,309
Total liabilities and stockholders' equity	$	6,426,673	$	5,723,797
Retuon average equity
	14.6%			19.1%

													Exhibit C
	Essent Group Ltd. and Subsidiaries
	Supplemental Information
	Consolidated Historical Quarterly Data
						2023						2022
Selected Income Statement Data			December 31			September 30			June 30		March 31		December 31
(In thousands, except per share amounts)
Revenues:
Net premiums earned:
U.S. Mortgage Insurance Portfolio	$	211,083	$	209,351	$	195,502	$	196,565	$	192,670
GSE and other risk share			17,166			16,850			17,727		14,693		14,582
Title Insurance			17,365			20,604			-		-		-
Net premiums earned			245,614			246,805			213,229		211,258		207,252
Net investment income			50,581			47,072			45,250		43,236		37,796
Realized investment gains (losses), net			(4,892)			(235)			(1,589)		(488)		(5,524)
Income (loss) from other invested assets			(421)			(3,143)			(4,852)		(2,702)		(7,599)
Other income (loss) (1)			6,395			5,609			8,090		4,942		(1,888)
Total revenues			297,277			296,108			260,128		256,246		230,037
Losses and expenses:
Provision (benefit) for losses and LAE			19,640			10,822			1,260		(180)		4,101
Other underwriting and operating expenses			55,248			54,814			42,174		48,195		46,895
Premiums retained by agents			11,475			13,175			-		-		-
Interest expense			7,953			7,854			7,394		6,936		6,045
Total losses and expenses			94,316			86,665			50,828		54,951		57,041
Income before income taxes			202,961			209,443			209,300		201,295		172,996
Income tax expense (2)			27,594			31,484			37,067		30,468		25,630
Net income	$	175,367	$	177,959	$	172,233	$	170,827	$	147,366
Earnings per share:

Basic	$	1.66	$	1.68	$	1.62	$	1.60	$	1.38
Diluted			1.64			1.66			1.61		1.59		1.37
Weighted average shares outstanding:
Basic			105,733			105,979			106,249		106,943		106,881
Diluted			106,823			107,025			107,093		107,585		107,419
Book value per share	$	47.87	$	44.98	$	44.24	$	43.18	$	41.44
Retuon average equity (annualized)			14.2 %			14.9%			14.7%		15.0%		13.5%
Credit Facility
Borrowings outstanding	$	425,000	$	425,000	$	425,000	$	425,000	$	425,000
Undrawn committed capacity	$	400,000	$	400,000	$	400,000	$	400,000	$	400,000
Weighted average interest rate (end of period)			7.11%			7.07%			6.87%		6.52%		6.02%
Debt-to-capital			7.69%			8.12%			8.24%		8.38%		8.70%

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 December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023, and December 31, 2022 was $412, ($898), $2,726, ($368), and ($6,515), respectively.
Income tax expense for the quarters ended December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023 and December 31, 2022 includes

($1,132), ($763), ($888), ($368) and ($4,122), respectively, of discrete tax (benefit) expense associated with realized and unrealized gains and losses. Income tax expense for the quarter ended December 31, 2023 also includes a $2,731 net benefit associated with the recognition of a deferred tax asset for unrealized losses on the investment portfolios of Essent Group and Essent Re upon the enactment of the Bermuda Corporate Income Tax. Income tax expense for the quarter ended June 30, 2023 also includes $5,295 of net discrete tax expense associated with prior year tax returns.

Exhibit D

Essent Group Ltd. and Subsidiaries

Supplemental Information

U.S Mortgage Insurance Portfolio Historical Quarterly Data

			2023		2022
Other Data, continued:	December 31	September 30		June 30		March 31	December 31
($ in thousands)

U.S. Mortgage Insurance Portfolio

New insurance written	$	8,769,160	$	12,505,823	$	13,498,080	$	12,893,789	$	13,011,432
New risk written		2,409,340			3,458,467			3,726,513			3,548,015	3,522,726
Average insurance in force	$	239,005,961	$	237,270,093	$	233,484,941	$	228,885,174	$	224,840,675
Insurance in force (end of period)	$	239,078,262	$	238,661,612	$	235,649,884	$	231,537,417	$	227,062,055
Gross risk in force (end of period) (1)	$	64,061,374	$	63,605,057	$	62,403,400	$	60,879,979	$	59,276,489
Risk in force (end of period)	$	54,591,590	$	53,920,308	$	53,290,643	$	51,469,312	$	49,903,626
Policies in force		822,012			825,248			821,690			815,751	808,596
Weighted average coverage (2)		26.8%			26.7%			26.5%			26.3%	26.1%
Annual persistency		86.9%			86.6%			85.8%			84.4%	82.1%
Loans in default (count)		14,819			13,391			12,480			12,773	13,433
Percentage of loans in default		1.80%			1.62%			1.52%			1.57%	1.66%
U.S. Mortgage Insurance Portfolio premium rate:
Base average premium rate (3)		0.40%			0.40%			0.40%			0.40%	0.40%
Single premium cancellations (4)		-%			-%			-%			-%	-%
Gross average premium rate		0.40%			0.40%			0.40%			0.40%	0.40%
Ceded premiums		(0.05%)			(0.05%)			(0.07%)			(0.06%)	(0.06%)
Net average premium rate		0.35%			0.35%			0.33%			0.34%	0.34%

Gross risk in force includes risk ceded under third-party reinsurance.
Weighted average coverage is calculated by dividing end of period gross risk in force by end of period insurance in force.
Base average premium rate is calculated by dividing annualized base premiums earned by average insurance in force for the period.
Single premium cancellations is calculated by dividing annualized premiums on the cancellation of non-refundable single premium policies by average insurance in force for the period.

Exhibit E

Essent Group Ltd. and Subsidiaries

Supplemental Information

New Insurance Written: Flow

NIW by Credit Score

			Three Months Ended					Year Ended
		December 31, 2023			December 31, 2022			December 31, 2023			December 31, 2022
($ in thousands)
>=760	$	3,708,316	42.3%	$	4,761,917	36.6%	$	19,181,507	40.2%	$	25,704,025	40.8%
740-759		1,531,800	17.5			2,428,164	18.7			8,563,621	18.0		10,927,903	17.3
720-739		1,333,537	15.2			2,301,392	17.7			7,644,101	16.0		10,186,558	16.2
700-719		1,256,250	14.3			1,919,146	14.6			7,148,954	15.0		8,371,867	13.2
680-699		581,913	6.6			1,138,743	8.8			3,606,260	7.6		5,548,687	8.8
<=679		357,344	4.1			462,070	3.6			1,522,409	3.2		2,322,026	3.7
Total	$	8,769,160	100.0%	$	13,011,432	100.0%	$	47,666,852	100.0%	$	63,061,066	100.0%

Weighted average credit score		747				744				746			746

NIW by LTV

			Three Months Ended					Year Ended
		December 31, 2023			December 31, 2022			December 31, 2023			December 31, 2022
($ in thousands)
85.00% and below	$	642,636	7.3%	$	1,121,853	8.6%	$	3,443,647	7.2%	$	5,678,058	9.0%
85.01% to 90.00%		1,871,854	21.3			3,075,304	23.6			9,822,916	20.6		16,732,649	26.5
90.01% to 95.00%		4,660,032	53.1			7,464,333	57.4			26,043,728	54.6		33,925,998	53.8
95.01% and above		1,594,638	18.3			1,349,942	10.4			8,356,561	17.6		6,724,361	10.7
Total	$	8,769,160	100.0%	$	13,011,432	100.0%	$	47,666,852	100.0%	$	63,061,066	100.0%

Weighted average LTV		93%				93%				93%			93%

NIW by Product

	Three Months Ended			Year Ended
	December 31, 2023		December 31, 2022		December 31, 2023		December 31, 2022
Single Premium policies	2.5%	4.3%	3.5%	5.6%
Monthly Premium policies		97.5		95.7		96.5		94.4
	100.0%	100.0%	100.0%	100.0%

NIW by Purchase vs. Refinance

	Three Months Ended			Year Ended
	December 31, 2023		December 31, 2022		December 31, 2023		December 31, 2022
Purchase	98.7%	98.9%	98.8%	97.6%
Refinance		1.3		1.1		1.2		2.4
	100.0%	100.0%	100.0%	100.0%

Exhibit F

Essent Group Ltd. and Subsidiaries

Supplemental Information

Insurance in Force and Risk in Force - U.S. Mortgage Insurance Portfolio

Portfolio by Credit Score

IIF by FICO score		December 31, 2023			September 30, 2023			December 31, 2022
($ in thousands)
>=760	$	97,085,244	40.6%	$	97,027,348	40.7%	$	93,389,066	41.1%
740-759		41,490,720	17.4			41,362,480	17.3			38,842,311	17.2
720-739		37,435,781	15.7			37,297,809	15.6			34,981,632	15.4
700-719		31,932,469	13.4			31,674,346	13.3			29,146,543	12.8
680-699		19,780,944	8.3			19,850,176	8.3			18,859,824	8.3
<=679		11,353,104	4.6			11,449,453	4.8			11,842,679	5.2
Total	$	239,078,262	100.0%	$	238,661,612	100.0%	$	227,062,055	100.0%

Weighted average credit score		746				746				746

Gross RIF by FICO score		December 31, 2023			September 30, 2023			December 31, 2022
($ in thousands)
>=760	$	25,752,549	40.2%	$	25,594,262	40.1%	$	24,152,726	40.8%
740-759		11,268,607	17.6			11,165,727	17.6			10,255,195	17.3
720-739		10,179,683	15.9			10,090,889	15.9			9,276,750	15.6
700-719		8,687,001	13.6			8,568,811	13.5			7,696,965	13.0
680-699		5,330,894	8.3			5,327,434	8.4			4,963,470	8.4
<=679		2,842,640	4.4			2,857,934	4.5			2,931,383	4.9
Total	$	64,061,374	100.0%	$	63,605,057	100.0%	$	59,276,489	100.0%

Portfolio by LTV

IIF by LTV		December 31, 2023			September 30, 2023			December 31, 2022
($ in thousands)
85.00% and below	$	19,869,776	8.3%	$	21,226,685	8.9%	$	24,454,468	10.8%
85.01% to 90.00%		62,973,580	26.3			63,374,562	26.6			63,436,445	27.8
90.01% to 95.00%		119,764,184	50.1			118,461,030	49.6			107,932,064	47.6
95.01% and above		36,470,722	15.3			35,599,335	14.9			31,239,078	13.8
Total	$	239,078,262	100.0%	$	238,661,612	100.0%	$	227,062,055	100.0%

Weighted average LTV		93%				93%				92%
Gross RIF by LTV		December 31, 2023			September 30, 2023			December 31, 2022
($ in thousands)
85.00% and below	$	2,364,232	3.7%	$	2,525,753	4.0%	$	2,903,877	4.9%
85.01% to 90.00%		15,494,172	24.2			15,566,095	24.5			15,477,031	26.1
90.01% to 95.00%		35,260,761	55.0			34,848,762	54.8			31,642,669	53.4
95.01% and above		10,942,209	17.1			10,664,447	16.7			9,252,912	15.6
Total	$	64,061,374	100.0%		$	63,605,057	100.0%		$	59,276,489	100.0%

		Portfolio by Loan Amortization Period
IIF by Loan Amortization Period		December 31, 2023			September 30, 2023			December 31, 2022
($ in thousands)
FRM 30 years and higher	$	232,995,380	97.5%	$	232,186,999	97.3%	$	219,416,408	96.7%
FRM 20-25 years		1,685,700	0.7			1,910,610	0.8			2,601,108	1.1
FRM 15 years		1,505,759	0.6			1,719,467	0.7			2,552,931	1.1
ARM 5 years and higher		2,891,423	1.2			2,844,536	1.2			2,491,608	1.1
Total	$	239,078,262	100.0%	$	238,661,612	100.0%	$	227,062,055	100.0%

																	Exhibit G
	Essent Group Ltd. and Subsidiaries
	Supplemental Information
	Other Risk in Force
								2023							2022
($ in thousands)			December 31	September 30				June 30			March 31			December 31
GSE and other risk share (1):
Risk in Force		$	2,244,944			$	2,247,393			$	2,276,702		$	2,098,033		$	2,030,571

Reserve for losses and LAE	$	29			$	54	$	55	$	65	$	74

Weighted average credit score			749				749				749			749			749
Weighted average LTV			82%				82%			83%			83%			83%

GSE and other risk share includes GSE risk share and other reinsurance transactions. Essent Reinsurance Ltd. ("Essent Re") provides insurance or reinsurance relating to the risk in force on loans in reference pools acquired by Freddie Mac and Fannie Mae.

Exhibit H

Essent Group Ltd. and Subsidiaries

Supplemental Information

U.S. Mortgage Insurance Portfolio Vintage Data

December 31, 2023

									Insurance in Force
		Original		Remaining	% Remaining of	Number of	Weighted						Incurred Loss	Number of	Percentage of
		Insurance		Insurance						Ratio
Year		Written		in Force	Original	Policies in	Average	% Purchase	>90% LTV	>95% LTV	FICO <>700	FICO >= 760	(Inception to	Loans in	Loans in
($ in thousands)		($ in thousands)	Insurance	Force	Coupon	Date) (1)	Default	Default
2010 - 2014	$	60,668,851	$	1,432,521	2.4%	8,762	4.31%	71.2%	59.2%	7.3%	14.6%	44.4%	2.5 %	379	4.33%
2015		26,193,656		1,345,073	5.1	8,143	4.23	82.9	72.5	5.0	18.2	39.1	2.5	319	3.92
2016		34,949,319		3,015,806	8.6	17,568	3.90	87.6	80.8	12.4	16.0	42.2	2.2	545	3.10
2017		43,858,322		4,792,840	10.9	28,705	4.28	91.4	72.6	21.0	20.5	37.6	3.4	1,166	4.06
2018		47,508,525		5,570,630	11.7	31,331	4.79	94.9	72.0	26.2	21.7	32.6	4.5	1,498	4.78
2019		63,569,183		12,360,264	19.4	59,051	4.23	88.4	69.0	24.9	18.8	35.4	4.3	1,913	3.24
2020		107,944,065		46,454,833	43.0	178,941	3.19	69.0	57.5	13.3	10.8	45.6	3.1	2,511	1.40
2021		84,218,250		61,442,213	73.0	200,700	3.09	86.9	63.3	15.6	13.8	40.5	7.1	3,410	1.70
2022		63,061,262		56,943,590	90.3	162,074	5.07	97.9	65.4	11.2	12.6	39.7	20.1	2,456	1.52
2023		47,666,852		45,720,492	95.9	126,737	6.66	98.8	72.4	18.1	10.9	39.4	14.5	622	0.49
Total	$	579,638,285	$	239,078,262	41.2	822,012	4.41	88.5	65.3	15.3	13.0	40.6	4.4	14,819	1.80

Incurred loss ratio is calculated by dividing the sum of case reserves and cumulative amount paid for claims by cumulative net premiums earned.

Exhibit I

Essent Group Ltd. and Subsidiaries

Supplemental Information

U.S. Mortgage Insurance Portfolio Reinsurance Vintage Data

December 31, 2023

($ in thousands)

Insurance Linked Notes (1)

																						Earned Premiums Ceded
			Remaining		Remaining			Original			Remaining			Losses			Original	Remaining							Reduction in
												Quarter-to-				PMIERs Minimum
Deal Name	Vintage		Insurance		Risk		Reinsurance		Reinsurance in			Ceded		First Layer	First Layer		Year-to-Date			Required
	in Force		in Force			in Force			Force			to Date			Retention		Retention			Date				Assets (3)
Radnor Re 2018-1 Jan. 2017 - Dec. 2017	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	(644)	$	1,137	$	-
Radnor Re 2019-1 Jan. 2018 - Dec. 2018		-		-			-			-			-			-		-		(513)		12,894			-
Radnor Re 2019-2 Jan. 2015 - Dec. 2016		-		-			-			-			-			-		-		(175)		44			-
Radnor Re 2020-1 Jan. 2019 - Aug. 2019		6,887,869		1,797,683			495,889			2,350			-			215,605		213,230			748		6,536			-
Radnor Re 2021-1 Aug. 2020 - Mar. 2021		31,673,378		8,233,067			557,911			309,199			-			278,956		278,638			2,764		11,558			232,809
Radnor Re 2021-2 Apr. 2021 - Sep. 2021		35,958,961		9,735,395			439,407			339,890			-			279,415		279,051			3,898		16,059			276,777
Radnor Re 2022-1	Oct. 2021 - Jul. 2022		31,520,927		8,522,229			237,868			231,142			-			303,761		303,324			4,311		17,092			212,651
Radnor Re 2023-1 Aug. 2022 - Jun. 2023		30,639,242		8,380,934			281,462			281,462			-			281,463		281,463			3,641		6,759			266,826
Total		$	136,680,377	$	36,669,308	$	2,012,537	$	1,164,043	$	-	$	1,359,200	$	1,355,706		$	14,030	$	72,079	$	989,063

Excess of Loss Reinsurance (2)

																						Earned Premiums Ceded			Reduction in
			Remaining		Remaining			Original			Remaining			Losses			Original	Remaining
													Quarter-to-					PMIERs Minimum
Deal Name	Vintage		Insurance		Risk		Reinsurance in		Reinsurance in			Ceded			First Layer	First Layer			Year-to-Date			Required
	in Force		in Force			Force			Force			to Date			Retention		Retention			Date				Assets (3)
XOL 2018-1 Jan. 2017 - Dec. 2017	$	-	$	-	$	-	$	-	$	-	$	-	$	-		$	-	$	955	$	-
XOL 2019-1 Jan. 2018 - Dec. 2018		5,503,086		1,441,695			118,650			76,144			-			253,643		245,894			627		2,489			-
XOL 2020-1 Jan. 2019 - Dec. 2019		6,887,869		1,797,683			55,102			36,403			-			215,605		213,230	(4)		290		1,221			-
XOL 2022-1 Oct. 2021 - Dec. 2022		70,477,115		19,058,430			141,992			141,992			-			507,114		506,183			1,611		6,390			138,081
Total		$	82,868,070	$	22,297,808	$	315,744	$	254,539	$	-	$	976,362	$	965,220		$	2,528	$	11,055	$	138,081

Quota Share Reinsurance (2)

														Losses Ceded				Ceding Commission				Earned Premiums Ceded
			Remaining		Remaining																					Reduction in
	Ceding				Remaining Ceded		Remaining Ceded																	PMIERs Minimum
Year		Insurance		Risk			Quarter-to-Date	Year-to-Date		Quarter-to-Date	Year-to-Date		Quarter-to-Date	Year-to-Date			Required
Percentage		in Force		in Force		Insurance in Force			Risk in Force						Assets (3)
Sep. 2019 - Dec. 2020	(5)	$	51,655,811	$	13,558,839	$	11,586,936	$	3,004,059		$	(164)	$	(2,372)	$	2,493	$	10,836	$	4,448	$	17,675	$	178,426
Jan. 2022 - Dec. 2022	20%		56,890,266		15,401,694			11,378,053			3,080,339			2,258		9,731			1,921		7,801			5,908	24,554	233,244
Jan. 2023 - Dec. 2023	17.5%		40,609,952		11,238,879			7,106,742			1,966,804			1,461		2,584			1,283		3,120			4,154	9,136	142,432
Total		$	149,156,029	$	40,199,412	$	30,071,731	$	8,051,202		$	3,555	$	9,943	$	5,697	$	21,757	$	14,510	$	51,365	$	554,102

Reinsurance provided by unaffiliated special purpose insurers through the issuance of mortgage insurance-linked notes ("ILNs").
Reinsurance provided by panels of reinsurers.
Represents the reduction in Essent Guaranty, Inc.'s Minimum Required Assets based on our interpretation of the PMIERs.
First layer retentions shown are ILN retention levels as a result of overlapping coverage within the vintage.

(5) Reinsurance coverage on 40% of eligible single premium policies and 20% of all other eligible policies.

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Essent Group Ltd. published this content on 08 February 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 09 February 2024 11:40:30 UTC.

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