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Essent Group ESNT Unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower

Unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower at other companies

Arch Capital Group logo
Arch Capital GroupACGL
$356M-24.3%
Kinsale Capital Group logo
Kinsale Capital GroupKNSL
$3.6M+123%
MGIC Investment Corp. logo
MGIC Investment Corp.MTG
$420K-95.0%
Lincoln National logo
Lincoln NationalLNC
$0
Hamilton Insurance Group, Ltd. logo
Hamilton Insurance Group, Ltd.HG
-$83.14M+20.8%
SiriusPoint logo
SiriusPointSPNT
$1.16B+24.7%

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$5.51B-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:NonRefundableSinglePremiumPrimaryMortgageInsuranceUnearnedPremiumRecognizedAsEarnedUponCancellationDueToLoanRepayment.

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 unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower?
Essent Group (ESNT) reported unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower of $1.13M in Q4 2025.
How has Essent Group's unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower changed year-over-year?
Essent Group's unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower decreased by 16.7% year-over-year, from $1.35M to $1.13M.
What is the long-term trend for Essent Group's unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower?
Over 4 years (2021 to 2025), Essent Group's unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower has grown at a -48.5% compound annual growth rate (CAGR), from $63.8M to $4.5M.
What does unearned single premium recognized as earned upon notice of policy cancellation due to repayment of insured loan by borrower mean?
Captures the revenue recognized from single-premium insurance policies that are canceled early due to the underlying loan being repaid or refinanced. This serves as a proxy for borrower prepayment speeds and the velocity of the mortgage market. High levels of this revenue can indicate rapid portfolio turnover.