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The Ensign Group ENSG Health Insurance Product Line — Self insurance reserve

Other product segments

Accrued general liability and professional malpractice liabilities
$186.78M+16.6%
Workers' Compensation
$43.87M+14.3%
General Liability
$22.55M+7.6%
Health Liability Insurance
$525K0.0%

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$4.63M-85.1%
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$33.5M+34.7%
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OSCRTitle Insurance Product Line — Benefits payable
$221.8M+20.7%
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Reserves
$70M-10.3%
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TRVPersonal Insurance — Claims and claim adjustment expense reserves
$8.41B-6.5%
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UHAL.BHealth Insurance Product Line — Liability For Claims And Claims Adjustment Expense

Other financials

Income statement

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Revenue$1.4B+18.4%
Gross profit$293.4M+19.6%
Operating income$124.9M+23.2%
Net income$99.7M+24.2%
EPS (diluted)$1.67+21.9%

Balance sheet

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Cash & equivalents$539.5M+90.9%
Total debt$2.2B+11.7%
Total equity$2.4B+22.8%
Total assets$5.6B+17.9%

Cash flow

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Operating cash flow$100.2M+38.7%
CapEx$10.0M+27.8%
Free cash flow$90.2M+40.0%

Valuation

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Market cap$8.98B+57.5%
Enterprise value$10.69B+46.4%
P/E24.7×+6.3×
P/S1.7×+0.4×

Profitability

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Gross margin20.6%-0.1pp
Operating margin8.5%0.0pp
Net margin6.9%-0.1pp
FCF margin11%+2.6pp

Returns & leverage

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Return on equity16.9%-0.7pp
Debt / equity0.9×-0.1×
Current ratio1.6×+0.2×

Where this comes from

Reported directly by The Ensign Group in its filing.

Tagged under the XBRL concept us-gaap:SelfInsuranceReserve.

The official record: The Ensign Group’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Ensign Group's health insurance product line — self insurance reserve?
The Ensign Group (ENSG) reported health insurance product line — self insurance reserve of $20.4M in Q1 2026.
How has The Ensign Group's health insurance product line — self insurance reserve changed year-over-year?
The Ensign Group's health insurance product line — self insurance reserve increased by 31.0% year-over-year, from $15.57M to $20.4M.
What does health insurance product line — self insurance reserve mean?
The amount of money set aside to cover expected future payouts for health insurance claims that have already occurred but have not yet been settled.
How do you interpret health insurance product line — self insurance reserve?
An increase in the reserve may indicate higher expected claim costs or a larger volume of covered lives, while a decrease could suggest improved claims management or a reduction in insurance exposure.
How does health insurance product line — self insurance reserve compare across companies?
Comparable to insurance claim reserves or IBNR (Incurred But Not Reported) liabilities found in the financial statements of healthcare providers or insurance companies with self-insured risk pools.