AM Best announced on October 15 2025 that it has affirmed the Financial Strength Rating of A (Excellent) and the Long‑Term Issuer Credit Rating of A (Excellent) for Essent Group’s operating subsidiaries, Essent Guaranty, Inc. and Essent Reinsurance Ltd. The ratings carry a stable outlook, indicating no change in credit quality.
The affirmation confirms Essent’s robust financial position and creditworthiness, supporting its ability to secure favorable financing terms and maintain investor confidence. It reflects the company’s strong underwriting discipline and risk‑management practices.
Essent’s operating subsidiaries are central to its business model, providing private mortgage insurance and reinsurance. The stable outlook reinforces the company’s resilience amid market volatility and underscores the soundness of its capital structure.
The rating affirmation may help Essent maintain or improve its cost of capital, support future capital deployment strategies, and signal to stakeholders that the company remains well‑capitalized. It aligns with Essent’s focus on capital efficiency and strategic share repurchases.
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