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Essent Group ESNT Loss and loss adjustment expense reserves

Loss and loss adjustment expense reserves at other companies

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Berkshire HathawayBRK.A

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×

Where this comes from

Reported directly by Essent Group in its filing.

Tagged under the XBRL concept us-gaap:IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve.

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 loss and loss adjustment expense reserves?
Essent Group (ESNT) reported loss and loss adjustment expense reserves of $38.84M in Q1 2026.
How has Essent Group's loss and loss adjustment expense reserves changed year-over-year?
Essent Group's loss and loss adjustment expense reserves increased by 39.8% year-over-year, from $27.79M to $38.84M.
What is the long-term trend for Essent Group's loss and loss adjustment expense reserves?
Over 2 years (2023 to 2025), Essent Group's loss and loss adjustment expense reserves has grown at a 101.6% compound annual growth rate (CAGR), from $29.02M to $117.96M.
What does loss and loss adjustment expense reserves mean?
Reflects the net change in the reserve balance set aside to cover future insurance claims and associated adjustment expenses. An increase typically signals higher expected future claim costs or business growth, while a decrease may indicate favorable loss development or reduced risk exposure. This is a critical indicator of an insurer's long-term solvency and underwriting accuracy.