Essent Group Ltd. (ESNT) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:01.246 -- 00:00:06.231 Hello, and thank you for standing by. My name is Tiffany, and I will be your conference 00:00:06.231 -- 00:00:11.537 operator today. At this time, I would like to welcome everyone to the Essent Group 00:00:11.537 -- 00:00:16.622 Limited fourth quarter earnings call. All lines have been placed on mute to 00:00:16.622 -- 00:00:21.667 prevent any background noise. After the speaker's remarks, there will be a question 00:00:21.667 -- 00:00:27.053 and answer session. If you would like to ask a question during that time, 00:00:27.053 -- 00:00:31.672 simply press star, then the number one on your telephone keypad. 00:00:31.672 -- 00:00:36.999 I would now like to turn the call over to Phil Stefano, Investor Relations. 00:00:36.999 -- 00:00:40.221 Phil, please go ahead. 00:00:40.945 -- 00:00:44.710 Thank you, Tiffany. Good morning, everyone, and welcome to our call. 00:00:44.710 -- 00:00:49.216 Joining me today are Mark Casale, Chairman and CEO, and David Weinstock, Chief Financial 00:00:49.216 -- 00:00:54.143 Officer. Also on hand for the Q&A portion of the call is Chris Caron, President of Essence 00:00:54.143 -- 00:00:55.725 Guarantee. 00:00:55.725 -- 00:00:59.530 Our press release, which contains Essence financial results for the fourth quarter and 00:00:59.530 -- 00:01:06.234 full year 2025, was issued earlier today and is available on our website at SMGroup.com. 00:01:06.296 -- 00:01:10.041 Prior to getting started, I would like to remind participants that today's discussions 00:01:10.041 -- 00:01:14.106 are being recorded and will include the use of forward-looking statements. 00:01:14.106 -- 00:01:19.593 These statements are based on current expectations, estimates, projections, and assumptions 00:01:19.593 -- 00:01:22.697 that are ...