What is Essent Group's reinsurance — loss ratio?

Essent Group (ESNT) reported reinsurance — loss ratio of 33.9% in Q1 2026.

What does reinsurance — loss ratio mean?

The ratio of incurred losses and loss adjustment expenses to net premiums earned within the reinsurance segment. It serves as a primary measure of underwriting quality and the effectiveness of risk selection. A lower ratio indicates that the segment is successfully managing its exposure to insured losses.

Essent Group ESNT Reinsurance — Loss ratio

Similar metrics at other companies

AXSReinsurance — Loss Ratio

66.8%-0.9pp

ACGLReinsurance — Loss ratio

51.7%-15.2pp

AXSInsurance — Loss Ratio

56.1%+0.5pp

ACGLInsurance — Loss ratio

60.2%-5.8pp

AXSReinsurance — Current accident year loss ratio (as a percent)

67.7%-1.2pp

RNRProperty — Loss Ratio

9.3%-121pp

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%

P/E7.9×-0.2×

P/S4.2×-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:LossRatio.

The official record: Essent Group’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Essent Group's reinsurance — loss ratio?: Essent Group (ESNT) reported reinsurance — loss ratio of 33.9% in Q1 2026.
What does reinsurance — loss ratio mean?: The ratio of incurred losses and loss adjustment expenses to net premiums earned within the reinsurance segment. It serves as a primary measure of underwriting quality and the effectiveness of risk selection. A lower ratio indicates that the segment is successfully managing its exposure to insured losses.