ESNT · Essent Group Ltd. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $336.07M | - | $311.83M | $319.14M | $317.56M | - | $316.58M | $312.94M | $298.36M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.23M | - | - | - | $1.37M | - | - | - | $1.39M | - |
| Operating Income | $206.72M | - | $199.16M | $231.18M | $207.00M | - | $207.57M | $239.22M | $213.74M | - |
| Interest Expense | $8.15M | - | $8.25M | $8.15M | $8.15M | - | $11.46M | $7.85M | $7.86M | - |
| Income Tax | $34.93M | - | $34.94M | $35.84M | $31.57M | - | $31.40M | $35.62M | $32.02M | - |
| Net Income | $171.80M | - | $164.22M | $195.34M | $175.43M | - | $176.18M | $203.61M | $181.72M | - |
| EPS - Basic | $1.83 | - | $1.69 | $1.95 | $1.71 | - | $1.67 | $1.93 | $1.72 | - |
| EPS - Diluted | $1.82 | - | $1.67 | $1.93 | $1.69 | - | $1.65 | $1.91 | $1.70 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $128.26M | $123.05M | $91.41M | $92.12M | $208.07M | $131.48M | $109.31M | $197.40M | $164.25M | $141.79M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $7.57B | $7.44B | $7.35B | $7.22B | $7.20B | $7.11B | $7.13B | $6.69B | $6.56B | $6.43B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.87B | $1.68B | $1.61B | $1.55B | $1.55B | $1.51B | $1.49B | $1.31B | $1.34B | $1.32B |
| Stockholders' Equity | $5.70B | $5.76B | $5.74B | $5.67B | $5.66B | $5.60B | $5.64B | $5.38B | $5.23B | $5.10B |
| Retained Earnings | $5.40B | $5.26B | $5.13B | $5.00B | $4.83B | $4.69B | $4.55B | $4.41B | $4.23B | $4.08B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $192.04M | - | - | - | $221.57M | - | - | - | $216.94M | - |
| Investing Cash Flow | $16.58M | - | - | - | $55.53M | - | - | - | ($151.30M) | - |
| Financing Cash Flow | ($203.41M) | - | - | - | ($200.51M) | - | - | - | ($43.17M) | - |
| CapEx | $818.0K | - | - | - | $221.0K | - | - | - | $4.48M | - |
| Free Cash Flow | $191.23M | - | - | - | $221.35M | - | - | - | $212.45M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 61.5% | - | 63.9% | 72.4% | 65.2% | - | 65.6% | 76.4% | 71.6% | - |
| EBITDA margin | 61.9% | - | - | - | 65.6% | - | - | - | 72.1% | - |
| Net margin | 51.1% | - | 52.7% | 61.2% | 55.2% | - | 55.6% | 65.1% | 60.9% | - |
| Free cash flow margin | 56.9% | - | - | - | 69.7% | - | - | - | 71.2% | - |
| FCF / Net income | 1.11 | - | - | - | 1.26 | - | - | - | 1.17 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 16.9% | - | 17.5% | 15.5% | 15.2% | - | 15.1% | 14.9% | 15.0% | - |
| Return on assets | 2.3% | - | 2.2% | 2.7% | 2.4% | - | 2.5% | 3.0% | 2.8% | - |
| Return on equity | 3.0% | - | 2.9% | 3.4% | 3.1% | - | 3.1% | 3.8% | 3.5% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 25.4x | - | 24.1x | 28.4x | 25.4x | - | 18.1x | 30.5x | 27.2x | - |
| Equity multiplier | 1.33 | 1.29 | 1.28 | 1.27 | 1.27 | 1.27 | 1.26 | 1.24 | 1.26 | 1.26 |
| Liabilities / Assets | 0.25 | 0.23 | 0.22 | 0.21 | 0.21 | 0.21 | 0.21 | 0.20 | 0.20 | 0.21 |
| Efficiency | ||||||||||
| Asset turnover | 0.04 | - | 0.04 | 0.04 | 0.04 | - | 0.04 | 0.05 | 0.05 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 32.1x | - | 38.1x | 31.5x | 34.2x | - | 39.0x | 29.4x | 35.0x | - |
| P / B | 1.0x | - | 1.1x | 1.1x | 1.1x | - | 1.2x | 1.1x | 1.2x | - |
| P / S | 16.4x | - | 20.1x | 19.2x | 18.9x | - | 21.6x | 19.2x | 21.3x | - |
| EV / EBITDA | 26.0x | - | - | - | 27.8x | - | - | - | 28.8x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 5.8% | - | -1.5% | 2.0% | 6.4% | - | 6.9% | 20.3% | 16.4% | - |
| Revenue CAGR (3y) | 9.5% | - | 6.0% | 9.3% | 6.3% | - | 3.7% | 8.8% | 6.8% | - |
| Revenue CAGR (5y) | 6.5% | - | 5.1% | 6.2% | 6.8% | - | 6.9% | 8.1% | 8.3% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -0.1% | - | -4.1% | -3.4% | -3.2% | - | -0.9% | 14.3% | 6.2% | - |
| Net income growth (YoY) | -2.1% | - | -6.8% | -4.1% | -3.5% | - | -1.0% | 18.2% | 6.4% | - |
| EPS growth (YoY) | 7.7% | - | 1.2% | 1.0% | -0.6% | - | -0.6% | 18.6% | 6.9% | - |
| EPS CAGR (3y) | 4.6% | - | 0.2% | -3.7% | -12.5% | - | -3.6% | 10.4% | 12.0% | - |
| EPS CAGR (5y) | 8.5% | - | 8.5% | 66.7% | 2.1% | - | 2.3% | 6.6% | 5.5% | - |
| FCF growth (YoY) | -13.6% | - | - | - | 4.2% | - | - | - | 15.2% | - |
| FCF CAGR (5y) | 0.4% | - | - | - | 6.4% | - | - | - | 9.1% | - |
| Book value growth (YoY) | 0.7% | 2.7% | 1.7% | 5.4% | 8.3% | 9.8% | 17.3% | 13.7% | 12.4% | 14.3% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$1.14B totalMortgage Insurance Segment$1.05B · 92.2%
Reinsurance$89.59M · 7.8%
Peer comparison
Same SIC group: Surety Insurance
Comparing Essent Group Ltd. against the 5 most active filers in the same SIC group.
Dividends
$0.70/share trailing 12 months · -40.7% YoY
| Ex-date | Per share |
|---|---|
| Jun 1, 2026 | $0.3500 |
| Mar 13, 2026 | $0.3500 |
| May 30, 2025 | $0.3100 |
| Mar 14, 2025 | $0.3100 |
| Dec 2, 2024 | $0.2800 |
| Aug 30, 2024 | $0.2800 |
| May 31, 2024 | $0.2800 |
| Mar 12, 2024 | $0.2800 |
| Nov 30, 2023 | $0.2500 |
| Aug 31, 2023 | $0.2500 |
| May 31, 2023 | $0.2500 |
| Mar 9, 2023 | $0.2500 |
| Nov 30, 2022 | $0.2300 |
| Aug 31, 2022 | $0.2200 |
| May 31, 2022 | $0.2100 |
| Mar 9, 2022 | $0.2000 |
| Nov 30, 2021 | $0.1900 |
| Aug 31, 2021 | $0.1800 |
| May 28, 2021 | $0.1700 |
| Mar 9, 2021 | $0.1600 |
| Nov 30, 2020 | $0.1600 |
| Aug 28, 2020 | $0.1600 |
| Jun 1, 2020 | $0.1600 |
| Mar 9, 2020 | $0.1600 |