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Essent Group ESNT Property Insurance Product Line — Year 5

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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$6.33B+4.0%
P/E9.3×+0.8×
P/S4.8×0.0×

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 / equity0×0.0×

Where this comes from

Reported directly by Essent Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

The source filing: Essent Group’s 10-K, filed February 18, 2026.

Filed
Feb 18, 2026, 5:29 PM EST
Fiscal year
FY2025
Accession
0001448893-26-000009
Year12345678910
Average Payout9%45%29%9%5%2%1%0%0%0%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Essent Group's property insurance product line — year 5?
Essent Group (ESNT) reported property insurance product line — year 5 of 5% in Q4 2025.
How has Essent Group's property insurance product line — year 5 changed year-over-year?
Essent Group's property insurance product line — year 5 decreased by 28.6% year-over-year, from 7% to 5%.
What does property insurance product line — year 5 mean?
This metric tracks the loss development or performance data for the property insurance product line in the fifth year of a policy cohort. It provides a mature view of the portfolio's credit risk and the effectiveness of initial underwriting decisions. Long-term data points like this are essential for validating the company's overall risk management framework.

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