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.

Essent Group ESNT Property Insurance Product Line — Year 5

Similar metrics at other companies

HIGProperty Insurance — 5th Year

1.9%-0.4pp

EGProperty Insurance — Year five

8.8%+0.9pp

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

6.9%+1.1pp

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

3.1%0.0pp

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

1.4%-0.1pp

NMIHFinancial Guarantee Insurance Product Line — Year 5

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 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.