Essent Group Ltd. (ESNT) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:01.794 Ladies and gentlemen, thank you for standing by. 00:00:01.794 -- 00:00:04.578 My name is Abby and I'll be your conference operator today. 00:00:04.578 -- 00:00:09.124 At this time, I would like to welcome everyone to the Essent Group Limited third quarter 00:00:09.124 -- 00:00:15.073 earnings call. All lines have been placed on mute to prevent any background noise. 00:00:15.073 -- 00:00:17.937 After the speaker's remarks, there will be a question and answer session. 00:00:17.937 -- 00:00:22.183 If you would like to ask a question during that time, simply press star followed by the 00:00:22.183 -- 00:00:26.629 number one on your telephone keypad. If you would like to withdraw your question, press 00:00:26.629 -- 00:00:29.193 star one a second time. Thank 00:00:29.193 -- 00:00:34.341 you. And I would now like to turn the conference over to Phil Stefano with Investor Relations. 00:00:34.341 -- 00:00:36.642 You may begin. 00:00:36.666 -- 00:00:40.153 Thank you, Abby. Good morning, everyone, and welcome to our call. 00:00:40.153 -- 00:00:44.743 Joining me today are Mark Casale, Chairman and CEO, and David Weinstock, Chief Financial 00:00:44.743 -- 00:00:49.974 Officer. Also on hand for the Q&A portion of the call is Chris Curran, President of SM 00:00:49.974 -- 00:00:54.694 Guarantee. Our press release, which contains ESSEN's financial results for the third 00:00:54.694 -- 00:01:01.478 quarter of 2025, was issued earlier today and is available on our website at essengroup.com. 00:01:01.500 -- 00:01:05.104 Prior to getting started, I would like to remind participants that today's discussions 00:01:05.104 -- 00:01:09.628 are being recorded and will include the use of forward-looking statements. 00:01:09.628 -- 00:01:12.450 These statement...