What is Essent Group's property insurance product line — year 4?

Essent Group (ESNT) reported property insurance product line — year 4 of 9% in Q4 2025.

How has Essent Group's property insurance product line — year 4 changed year-over-year?

Essent Group's property insurance product line — year 4 decreased by 10.0% year-over-year, from 10% to 9%.

What does property insurance product line — year 4 mean?

This metric measures the loss development or performance data for the property insurance product line during the fourth year of a policy cohort. It serves as a benchmark for assessing how claims activity stabilizes as the portfolio ages. This information is used to adjust long-term loss projections and ensure adequate capital allocation.

Essent Group ESNT Property Insurance Product Line — Year 4

Similar metrics at other companies

EGProperty Insurance — Year four

14%-0.6pp

MCYProperty insurance product line, commercial property — Short-duration insurance contracts, historical claims duration, year four

11.3%+0.4pp

HIGProperty Insurance — 4th Year

5%+1.1pp

AFGProperty and casualty insurance — Year 4

12.3%-4.1pp

MCYProperty insurance product line, homeowners' — Short-duration insurance contracts, historical claims duration, year four

2.5%+0.1pp

MCYProperty insurance product line, automobile — Short-duration insurance contracts, historical claims duration, year four

6%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 4?: Essent Group (ESNT) reported property insurance product line — year 4 of 9% in Q4 2025.
How has Essent Group's property insurance product line — year 4 changed year-over-year?: Essent Group's property insurance product line — year 4 decreased by 10.0% year-over-year, from 10% to 9%.
What does property insurance product line — year 4 mean?: This metric measures the loss development or performance data for the property insurance product line during the fourth year of a policy cohort. It serves as a benchmark for assessing how claims activity stabilizes as the portfolio ages. This information is used to adjust long-term loss projections and ensure adequate capital allocation.