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Essent Group ESNT Number of consecutive missed loan payments by borrower for classification of insured loan as in default

Number of consecutive missed loan payments by borrower for classification of insured loan as in default at other companies

Chimera Investment Corp. logo
Chimera Investment Corp.CIM
$645.19M-11.4%
Enact Holdings, Inc. logo
Enact Holdings, Inc.ACT
3,886,300%0.0pp
Chimera Investment Corp. logo
Chimera Investment Corp.CIM
$919.64M-7.8%
PJT Partners logo
PJT PartnersPJT
$5.7M+307%
PNC Financial Services logo
PNC Financial ServicesPNC
100%0.0pp
Ally Financial logo
Ally FinancialALLY
$1.31B-7.8%

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%

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 esnt:LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNumberOfConsecutiveMissedLoanPaymentsForClassificationOfLoanAsInDefault.

The official record: Essent Group’s 10-K, filed February 18, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Essent Group's number of consecutive missed loan payments by borrower for classification of insured loan as in default?
Essent Group (ESNT) reported number of consecutive missed loan payments by borrower for classification of insured loan as in default of 0.5 in Q4 2025.
How has Essent Group's number of consecutive missed loan payments by borrower for classification of insured loan as in default changed year-over-year?
Essent Group's number of consecutive missed loan payments by borrower for classification of insured loan as in default decreased by 0.0% year-over-year, from 0.5 to 0.5.
What is the long-term trend for Essent Group's number of consecutive missed loan payments by borrower for classification of insured loan as in default?
Over 4 years (2021 to 2025), Essent Group's number of consecutive missed loan payments by borrower for classification of insured loan as in default has grown at a 0.0% compound annual growth rate (CAGR), from 2 to 2.
What does number of consecutive missed loan payments by borrower for classification of insured loan as in default mean?
Defines the specific threshold of missed payments required to classify a mortgage loan as in default for insurance claim purposes. This metric is a fundamental risk management parameter that dictates when the company must begin reserving for potential losses. It directly influences the timing and magnitude of loss provisions.