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Essent Group ESNT Property Insurance Product Line — Year 2

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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$5.7B-5.6%
P/E8.3×0.0×
P/S4.5×-0.3×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 2?
Essent Group (ESNT) reported property insurance product line — year 2 of 45% in Q4 2025.
How has Essent Group's property insurance product line — year 2 changed year-over-year?
Essent Group's property insurance product line — year 2 increased by 7.1% year-over-year, from 42% to 45%.
What does property insurance product line — year 2 mean?
This metric tracks the loss development or performance data for the property insurance product line during the second year of a policy cohort's life. It helps analysts understand the progression of claims and the reliability of loss reserves as the cohort matures. Comparing year-over-year development is critical for refining future underwriting strategies.