ESNT

+ Watchlist + Portfolio

Essent Group Ltd.

GridBrain — Sign in

GridSentinel — Sign in

GridAegis — Sign in

Key Metrics

Previous Close: $69.04
52-Week Range: $55.34 – $70.37
Market Cap: $6.16B
P/E (TTM): 9.56
EPS (TTM): 7.17
Dividend Yield: 2.03%

Advanced Metrics

Price/Book: 1.09
PEG Ratio: —
Return on Equity: 12.01%
Return on Assets: 7.20%
Gross Margin: 76.01%
Operating Margin: 65.75%
Profit Margin: 51.45%
Current Ratio: 1.79
Debt/Equity: 0.09
Total Debt: $495.97M
Free Cash Flow: $690.25M
Revenue Growth: 13.60%
Earnings Growth: 7.80%
Enterprise Value: $5.96B

ESNT Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.02B	$1.13B	$1.27B	$1.29B
Selling, General & Admin	$100.30M	$114.90M	$136.39M	$129.95M
Pretax Income	$988.19M	$823.00M	$855.49M	$821.86M
Income Tax	$156.83M	$126.61M	$126.09M	$131.89M
Net Income	$831.35M	$696.39M	$729.40M	$689.97M
Diluted EPS	7.72	6.50	6.85	6.90
Diluted Shares	107.65M	107.13M	106.55M	100.02M

ESNT Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$81.24M	$141.79M	$131.48M	$123.05M
Receivables	$57.40M	$63.27M	$55.56M	$51.27M
Total Assets	$5.72B	$6.43B	$7.11B	$7.44B
Long-Term Debt	—	—	$493.96M	$495.30M
Total Debt	$420.86M	$421.92M	$493.96M	$495.30M
Total Liabilities	$1.26B	$1.32B	$1.51B	$1.68B
Retained Earnings	$3.49B	$4.08B	$4.69B	$5.26B
Shareholders' Equity	$4.46B	$5.10B	$5.60B	$5.76B
Net Debt	$339.62M	$280.13M	$362.48M	$372.25M

ESNT Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$588.82M	$763.00M	$861.53M	$856.05M
Capital Expenditure	-$3.98M	-$4.00M	-$16.77M	-$7.36M
Free Cash Flow	$584.84M	$759.00M	$844.77M	$848.69M
Depreciation & Amortisation	$3.02M	$4.53M	$5.78M	$5.23M
Stock-Based Compensation	$18.38M	$18.45M	$24.78M	$20.85M
Investing Cash Flow	-$398.87M	-$525.57M	-$706.93M	-$154.74M
Financing Cash Flow	-$190.20M	-$176.88M	-$164.91M	-$709.75M
Dividends Paid	-$92.13M	-$106.22M	-$118.04M	-$122.07M
Share Repurchases	-$97.91M	-$70.67M	-$111.54M	-$587.68M
Net Change in Cash	-$251.00K	$60.55M	-$10.31M	-$8.43M

ESNT Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$317.56M	$326.05M	$318.73M	$319.35M	$336.07M
Selling, General & Admin	$39.69M	$30.72M	$29.18M	$30.36M	$36.66M
Pretax Income	$207.00M	$231.18M	$199.16M	$184.53M	$206.72M
Income Tax	$31.57M	$35.84M	$34.94M	$29.55M	$34.93M
Net Income	$175.43M	$195.34M	$164.22M	$154.98M	$171.80M
Diluted EPS	1.69	1.93	1.67	1.60	1.82
Diluted Shares	103.95M	101.06M	98.52M	96.66M	94.57M

ESNT Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$208.07M	$92.12M	$91.41M	$123.05M	$128.26M
Receivables	$53.13M	$52.34M	$53.67M	$51.27M	$144.12M
Total Assets	$7.20B	$7.22B	$7.35B	$7.44B	$7.57B
Long-Term Debt	$494.29M	$494.63M	$494.96M	$495.30M	$495.64M
Total Debt	$494.29M	$494.63M	$494.96M	$495.30M	$495.64M
Total Liabilities	$1.55B	$1.55B	$1.61B	$1.68B	$1.87B
Retained Earnings	$4.83B	$5.00B	$5.13B	$5.26B	$5.40B
Shareholders' Equity	$5.66B	$5.67B	$5.74B	$5.76B	$5.70B
Net Debt	$286.23M	$402.51M	$403.55M	$372.25M	$367.38M

ESNT Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$221.57M	$189.54M	$215.86M	$229.09M	$192.04M
Capital Expenditure	-$221.00K	-$742.00K	-$5.26M	-$1.14M	-$818.00K
Free Cash Flow	$221.35M	$188.79M	$210.60M	$227.95M	$191.23M
Depreciation & Amortisation	$1.37M	$1.34M	$1.26M	$1.25M	$1.23M
Stock-Based Compensation	$8.99M	$3.95M	$3.86M	$4.04M	$7.34M
Investing Cash Flow	$55.53M	-$104.11M	-$64.37M	-$41.79M	$16.58M
Financing Cash Flow	-$200.51M	-$201.38M	-$152.19M	-$155.66M	-$203.41M
Dividends Paid	-$31.66M	-$30.87M	-$30.05M	-$29.48M	-$32.55M
Share Repurchases	-$168.85M	-$170.51M	-$122.14M	-$126.18M	-$170.86M
Net Change in Cash	$76.59M	-$115.95M	-$705.00K	$31.64M	$5.21M

Market Snapshot

About

Essent Group Ltd. is a Bermuda-based holding company that provides private mortgage insurance and reinsurance for mortgages secured by residential properties in the United States. Through its insurance subsidiaries, Essent enables borrowers to obtain home financing with down payments of less than 20% by protecting lenders against default-related losses. The company serves mortgage originators including banks, credit unions, and mortgage companies across all 50 states and the District of Columbia. Essent maintains strong capitalization and employs disciplined underwriting and risk management practices to support the housing finance system.