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Prior years at other companies

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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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense.

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)20262025
Net reserve for losses and LAE at beginning of period390,603292,112
Add provision for losses and LAE, net of reinsurance, occurring in:
Current period151,58496,403
Prior years(54,407)(48,061)
Net incurred losses and LAE during the current period97,17748,342
Deduct payments for losses and LAE, net of reinsurance, occurring in:
Current period348367
Prior years33,17817,403

Item 1. Financial Statements (Unaudited)

FAQ

What is Essent Group's prior years?
Essent Group (ESNT) reported prior years of -$29.21M in Q2 2026.
How has Essent Group's prior years changed year-over-year?
Essent Group's prior years increased by 2.2% year-over-year, from -$29.85M to -$29.21M.
What is the long-term trend for Essent Group's prior years?
Over 4 years (2021 to 2025), Essent Group's prior years has grown at a 4.5% compound annual growth rate (CAGR), from -$66.2M to -$78.89M.
What does prior years mean?
The adjustment to loss reserves for claims that occurred in previous fiscal years, reflecting changes in estimates or actual development. Positive or negative values indicate the accuracy of prior-period loss reserving practices.

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