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Essent Group ESNT Benefits, Losses and Expenses

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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$6.04B+2.9%
P/E8.9×+0.7×
P/S4.6×-0.1×

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×

Where this comes from

Reported directly by Essent Group in its filing.

Tagged under the XBRL concept us-gaap:BenefitsLossesAndExpenses.

The source filing: Essent Group’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:37 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001448893-26-000024
(In thousands, except per share amounts)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Provision for losses and LAE48,96117,05597,17748,342
Other underwriting and operating expenses75,25862,765148,241133,889
Interest expense8,1488,14816,29616,296
Total losses and expenses132,36787,968261,714198,527
Income before income taxes230,319231,175437,044438,174
Income tax expense40,60535,83675,53167,402
Net income$189,714$195,339$361,513$370,772
Earnings per share:

Item 1. Financial Statements (Unaudited)

FAQ

What is Essent Group's benefits, losses and expenses?
Essent Group (ESNT) reported benefits, losses and expenses of $132.37M in Q2 2026.
How has Essent Group's benefits, losses and expenses changed year-over-year?
Essent Group's benefits, losses and expenses increased by 50.5% year-over-year, from $87.97M to $132.37M.
What is the long-term trend for Essent Group's benefits, losses and expenses?
Over 3 years (2021 to 2025), Essent Group's benefits, losses and expenses has grown at a 28.7% compound annual growth rate (CAGR), from $206.2M to $439.07M.
What does benefits, losses and expenses mean?
The sum of all costs related to insurance claims, loss adjustment expenses, and general operating expenses incurred during the period. It provides a comprehensive view of the total cost of operations relative to the revenue generated.

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