What is Essent Group's property insurance product line — year 6?

Essent Group (ESNT) reported property insurance product line — year 6 of 2% in Q4 2025.

How has Essent Group's property insurance product line — year 6 changed year-over-year?

Essent Group's property insurance product line — year 6 decreased by 0.0% year-over-year, from 2% to 2%.

What does property insurance product line — year 6 mean?

This metric represents the loss development or performance data for the property insurance product line in the sixth year of a policy cohort. It offers a highly mature perspective on the ultimate loss experience of the segment. This data is critical for final assessments of profitability and the long-term accuracy of actuarial models.

Essent Group ESNT Property Insurance Product Line — Year 6

Similar metrics at other companies

EGProperty Insurance — Year six

4.8%+0.2pp

HIGProperty Insurance — 6th Year

1.9%+0.9pp

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

8.9%+0.9pp

AFGProperty and casualty insurance — Year 6

6.9%-4.3pp

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

1.5%0.0pp

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

1%+0.1pp

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$5.39B-7.9%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 6?: Essent Group (ESNT) reported property insurance product line — year 6 of 2% in Q4 2025.
How has Essent Group's property insurance product line — year 6 changed year-over-year?: Essent Group's property insurance product line — year 6 decreased by 0.0% year-over-year, from 2% to 2%.
What does property insurance product line — year 6 mean?: This metric represents the loss development or performance data for the property insurance product line in the sixth year of a policy cohort. It offers a highly mature perspective on the ultimate loss experience of the segment. This data is critical for final assessments of profitability and the long-term accuracy of actuarial models.