Skip to content
OpenCapital
Get started

Essent Group ESNT Mortgage Insurance — Combined ratio

Similar metrics at other companies

Radian Group logo
RDNMortgage Segment Operating — Combined Ratio
30.2%+2.4pp
Axis Capital Holders logo
AXSInsurance — Combined Ratio
86.3%-0.4pp
Selective Insurance Group logo
SIGIInsurance Operations — Combined Ratio
98.3%+2.2pp
Axis Capital Holders logo
AXSReinsurance — Combined Ratio
92.7%+0.4pp
Arch Capital Group logo
ACGLInsurance — Combined Ratio Percentage
96.5%-3.6pp
Arch Capital Group logo
ACGLMortgage — Loss ratio
5.3%+4.2pp

Other financials

Income statement

See full
Revenue$336.1M+5.8%
Operating income$63.8M—
Net income$171.8M-2.1%
EPS (diluted)$1.82+7.7%

Balance sheet

See full
Cash & equivalents$128.3M-38.4%
Total debt$36.6M+1.2%
Total equity$5.7B+0.7%
Total assets$7.6B+5.1%

Cash flow

See full
Operating cash flow$192.0M-13.3%
CapEx$818.0K+270%
Free cash flow$191.2M-13.6%

Valuation

See full
Market cap$5.39B-7.9%

Profitability

See full
Net margin53.6%-3.7pp
FCF margin64%-4.5pp

Returns & leverage

See full
Return on equity12.1%-1.2pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Essent Group in its filing.

Tagged under the XBRL concept us-gaap:CombinedRatio.

The official record: Essent Group’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

Ask your AI about Essent Group's mortgage insurance — combined ratio.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Essent Group's mortgage insurance — combined ratio?
Essent Group (ESNT) reported mortgage insurance — combined ratio of 34.8% in Q1 2026.
How has Essent Group's mortgage insurance — combined ratio changed year-over-year?
Essent Group's mortgage insurance — combined ratio increased by 5.8% year-over-year, from 32.9% to 34.8%.
What is the long-term trend for Essent Group's mortgage insurance — combined ratio?
Over 3 years (2022 to 2025), Essent Group's mortgage insurance — combined ratio has grown at a 271.9% compound annual growth rate (CAGR), from -1.8% to 92.6%.
What does mortgage insurance — combined ratio mean?
The combined ratio is the sum of the loss ratio and the expense ratio, representing the overall underwriting profitability of the mortgage insurance segment. A ratio below one indicates that the segment is generating an underwriting profit, while a ratio above one indicates an underwriting loss.