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Essent Group ESNT Mortgage Insurance — Loss ratio

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ACGLMortgage — Liabilities for losses and loss adjustment expenses, net of reinsurance
$311M-3.1%

Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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Market cap$5.39B-7.9%

Profitability

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

Returns & leverage

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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:LossRatio.

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

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Questions, answered.

What is Essent Group's mortgage insurance — loss ratio?
Essent Group (ESNT) reported mortgage insurance — loss ratio of 17.4% in Q1 2026.
How has Essent Group's mortgage insurance — loss ratio changed year-over-year?
Essent Group's mortgage insurance — loss ratio increased by 23.4% year-over-year, from 14.1% to 17.4%.
What is the long-term trend for Essent Group's mortgage insurance — loss ratio?
Over 3 years (2022 to 2025), Essent Group's mortgage insurance — loss ratio has grown at a 28.3% compound annual growth rate (CAGR), from -20.7% to 43.7%.
What does mortgage insurance — loss ratio mean?
This ratio measures the relationship between the provision for losses and loss adjustment expenses relative to the net premiums earned by the mortgage insurance segment. It is a critical indicator of underwriting quality and the effectiveness of risk selection in the mortgage portfolio.