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Essent Group ESNT Reinsurance — Reinsurance, Ceded Premiums Earned, Ceding Commission
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Where this comes from
Reported directly by Essent Group in its filing.
Tagged under the XBRL concept esnt:ReinsuranceCededPremiumsEarnedCedingCommission.
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
| (In thousands) | Mortgage Insurance | Reinsurance | Total Reportable Segments | Corporate & Other | Consolidated |
|---|---|---|---|---|---|
| Provision for losses and LAE | 145,373 | 310 | 145,683 | 3,654 | 149,337 |
| Compensation and benefits | 64,392 | 4,547 | 68,939 | 61,011 | 129,950 |
| Premium and other taxes | 23,596 | 52 | 23,648 | 2,181 | 25,829 |
| Ceding commission | (28,669) | 1,410 | (27,259) | — | (27,259) |
| Other underwriting and operating expenses | 42,570 | 4,136 | 46,706 | 81,814 | 128,520 |
| Net operating expenses before allocations | 101,889 | 10,145 | 112,034 | 145,006 | 257,040 |
| Corporate expense allocations | 38,077 | 1,491 | 39,568 | (39,568) | — |
| Operating expenses after allocations | 139,966 | 11,636 | 151,602 | 105,438 | 257,040 |
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
FAQ
- What is Essent Group's reinsurance — reinsurance, ceded premiums earned, ceding commission?
- Essent Group (ESNT) reported reinsurance — reinsurance, ceded premiums earned, ceding commission of -$352.5K in Q4 2025.
- How has Essent Group's reinsurance — reinsurance, ceded premiums earned, ceding commission changed year-over-year?
- Essent Group's reinsurance — reinsurance, ceded premiums earned, ceding commission decreased by 57.4% year-over-year, from -$224K to -$352.5K.
- What is the long-term trend for Essent Group's reinsurance — reinsurance, ceded premiums earned, ceding commission?
- Over 2 years (2023 to 2025), Essent Group's reinsurance — reinsurance, ceded premiums earned, ceding commission has grown at a 80.9% compound annual growth rate (CAGR), from -$431K to -$1.41M.
- What does reinsurance — reinsurance, ceded premiums earned, ceding commission mean?
- Captures the net impact of premiums ceded to other reinsurers and the associated ceding commissions received. This metric reflects the segment's risk-transfer strategy and the cost of purchasing reinsurance protection. It is a critical indicator of how the segment manages its net risk exposure and capital efficiency.
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