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Essent Group ESNT Mortgage Insurance — Net premiums earned

Other segment segments

Reinsurance
$43.64M

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AXSReinsurance — Net premiums earned
$331.82M-7.9%

Other financials

Income statement

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Revenue$362.7M+13.6%
Operating income$63.8M
Net income$189.7M-2.9%
EPS (diluted)$2.08+7.8%

Balance sheet

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Cash & equivalents$74.3M-19.3%
Total debt$36.6M+1.2%
Total equity$5.7B-0.2%
Total assets$7.6B+5.1%

Cash flow

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Operating cash flow$197.1M+4.0%
CapEx$972.0K+31.0%
Free cash flow$196.1M+3.9%

Valuation

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Market cap$6.04B+2.9%
P/E8.9×+0.7×
P/S4.6×-0.1×

Profitability

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Net margin51.5%-4.9pp
FCF margin62.4%-5.8pp

Returns & leverage

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Return on equity12%-0.9pp
Debt / equity0.0×

Where this comes from

Reported directly by Essent Group in its filing.

Tagged under the XBRL concept us-gaap:PremiumsEarnedNet.

The source filing: Essent Group’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:37 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001448893-26-000024
(In thousands, except per share amounts)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Revenues:
Net premiums written$307,285$241,488$701,954$479,759
(Increase) decrease in unearned premiums(30,521)7,321(165,097)14,898
Net premiums earned276,764248,809536,857494,657
Net investment income61,61259,289120,867117,499
Realized investment gains (losses), net(111)(129)(258)(310)
Income from other invested assets19,3854,46629,56411,874
Other income5,0366,70811,72812,981

Item 1. Financial Statements (Unaudited)

FAQ

What is Essent Group's mortgage insurance — net premiums earned?
Essent Group (ESNT) reported mortgage insurance — net premiums earned of $215.66M in Q2 2026.
How has Essent Group's mortgage insurance — net premiums earned changed year-over-year?
Essent Group's mortgage insurance — net premiums earned decreased by 2.1% year-over-year, from $220.26M to $215.66M.
What is the long-term trend for Essent Group's mortgage insurance — net premiums earned?
Over 3 years (2022 to 2025), Essent Group's mortgage insurance — net premiums earned has grown at a -0.2% compound annual growth rate (CAGR), from $842.53M to $837.59M.
What does mortgage insurance — net premiums earned mean?
Represents the revenue recognized from mortgage insurance policies after accounting for ceded premiums to reinsurers. This is a primary indicator of the scale and growth of the core insurance underwriting business.

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