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Essent Group ESNT Property Insurance Product Line — Year 1

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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$5.69B-7.9%
P/E8.3×-0.3×
P/S4.4×-0.4×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

The official record: Essent Group’s 10-K, filed February 18, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Essent Group's property insurance product line — year 1?
Essent Group (ESNT) reported property insurance product line — year 1 of 9% in Q4 2025.
How has Essent Group's property insurance product line — year 1 changed year-over-year?
Essent Group's property insurance product line — year 1 decreased by 10.0% year-over-year, from 10% to 9%.
What does property insurance product line — year 1 mean?
This metric represents the loss development or performance data for the property insurance product line specifically for the first year following the inception of the policy cohort. It is used in actuarial triangles to analyze how claims mature and to validate the accuracy of initial loss estimates. This data point is foundational for assessing early-stage underwriting risk.