Question 1

What is Essent Group's liability for unpaid claims and claims adjustment expense, net?

Accepted Answer

Essent Group (ESNT) reported liability for unpaid claims and claims adjustment expense, net of $454.25M in Q2 2026.

Question 2

How has Essent Group's liability for unpaid claims and claims adjustment expense, net changed year-over-year?

Accepted Answer

Essent Group's liability for unpaid claims and claims adjustment expense, net increased by 40.8% year-over-year, from $322.68M to $454.25M.

Question 3

What is the long-term trend for Essent Group's liability for unpaid claims and claims adjustment expense, net?

Accepted Answer

Over 5 years (2020 to 2025), Essent Group's liability for unpaid claims and claims adjustment expense, net has grown at a 1.9% compound annual growth rate (CAGR), from $355.88M to $390.6M.

Question 4

What does liability for unpaid claims and claims adjustment expense, net mean?

Accepted Answer

Liability for Unpaid Claims and Claims Adjustment Expense, Net

(In thousands)	2026	2025
Net incurred losses and LAE during the current period	97,177	48,342
Deduct payments for losses and LAE, net of reinsurance, occurring in:
Current period	348	367
Prior years	33,178	17,403
Net loss and LAE payments during the current period	33,526	17,770
Net reserve for losses and LAE at end of period	454,254	322,684
Plus: Reinsurance recoverables, net of unpaid claims	64,545	42,065
Reserve for losses and LAE at end of period	$518,799	$364,749

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Essent Group ESNT Liability for Unpaid Claims and Claims Adjustment Expense, Net