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Essent Group ESNT Direct premiums earned

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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:DirectPremiumsEarned.

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)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Assumed65,475221,840
Ceded (1)(35,113)(33,384)(71,676)(67,507)
Net premiums written$307,285$241,488$701,954$479,759
Net premiums earned:
Direct$280,954$282,193$560,564$562,164
Assumed30,92347,969
Ceded (1)(35,113)(33,384)(71,676)(67,507)
Net premiums earned$276,764$248,809$536,857$494,657

Item 1. Financial Statements (Unaudited)

FAQ

What is Essent Group's direct premiums earned?
Essent Group (ESNT) reported direct premiums earned of $280.95M in Q2 2026.
How has Essent Group's direct premiums earned changed year-over-year?
Essent Group's direct premiums earned decreased by 0.4% year-over-year, from $282.19M to $280.95M.
What is the long-term trend for Essent Group's direct premiums earned?
Over 4 years (2021 to 2025), Essent Group's direct premiums earned has grown at a 3.6% compound annual growth rate (CAGR), from $983.46M to $1.13B.
What does direct premiums earned mean?
The total premiums earned from direct insurance policies before accounting for reinsurance cessions. It reflects the revenue recognized from the underlying insurance contracts over the policy period.

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