Essent Group Ltd. (ESNT) Q4 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello, and thank you for standing by. My name is Tiffany, and I will be your conference operator today. At this time, I would like to welcome everyone to the Essent Group Limited fourth quarter earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during that time, simply press star, then the number one on your telephone keypad. I would now like to turn the call over to Phil Stefano, Investor Relations. Phil, please go ahead. Thank you, Tiffany. Good morning, everyone, and welcome to our call. Joining me today are Mark Cassell, Chairman and CEO, and David Weinstock, Chief Financial Officer. Also on hand for the Q&A portion of the call is Chris Caron, President of Essent Guarantee. Our press release, which contains Essent's financial results for the fourth quarter and full year 2025, was issued earlier today and is available on our website at SMgroup.com. Prior to getting started, I would like to remind participants that today's discussions are being recorded and will include the use of forward-looking statements. These statements are based on current expectations, estimates, projections, and assumptions that are subject to risks and uncertainties, which may cause actual results to differ materially. For discussion of these risks and uncertainties, please review The cautionary language regarding forward-looking statements in today's press release. The risk factors included in our Form 10-K, which was filed with the SEC on February 19, 2025. And then the other reports and registration statements filed with the SEC, which are also available on our website. Now let me turn the call over to Mark. Thanks, Phil, and good morning, everyon...