Essent Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Premiums Earned	983.72	990.88	916.91	842.53	872.54
Investment Income	236.52	222.07	186.14	124.41	88.77
Net Gains on Investments	-0.92	-2.35	-7.2	-13.17	0.42
Total Other Revenues	41.62	32.3	13.92	47.06	66.78
Revenue	1,261	1,243	1,110	1,001	1,029
Revenue Growth (YoY)	1.45%	12.00%	10.88%	-2.69%	7.68%
Insurance Benefits & Claims	149.34	81.22	31.54	-174.7	31.06
Other Operating Expenses	257.04	270.87	225.08	171.73	166.86
Operating Income	854.56	890.81	853.14	1,004	830.6
Interest Expense	-32.7	-35.32	-30.14	-15.61	-8.28
Total Non-Operating Income (Expense)	-32.7	-35.32	-30.14	-15.61	-8.28
Pretax Income	821.86	855.49	823	988.19	822.31
Provision for Income Taxes	131.89	126.09	126.61	156.83	140.53
Net Income	689.97	729.4	696.39	831.35	681.78
Net Income to Common	689.97	729.4	696.39	831.35	681.78
Net Income Growth	-5.41%	4.74%	-16.23%	21.94%	65.06%
Shares Outstanding (Basic)	99	105	106	107	111
Shares Outstanding (Diluted)	100	107	107	108	112
Shares Change (YoY)	-6.13%	-0.54%	-0.49%	-3.50%	4.87%
EPS (Basic)	6.97	6.92	6.56	7.75	6.13
EPS (Diluted)	6.90	6.85	6.50	7.72	6.11
EPS Growth	0.73%	5.38%	-15.80%	26.35%	57.47%
Shares Outstanding	95.46	105.02	106.6	107.68	109.38
Free Cash Flow	848.69	854.77	759	584.84	706.76
Free Cash Flow Growth	-0.71%	12.62%	29.78%	-17.25%	-2.58%
Free Cash Flow Per Share	8.48	8.02	7.08	5.43	6.34
Dividends Per Share	1.240	1.120	1.000	0.860	0.700
Dividend Growth	10.71%	12.00%	16.28%	22.86%	9.38%
Operating Margin	67.77%	71.67%	76.88%	100.30%	80.76%
Profit Margin	54.72%	58.69%	62.75%	83.07%	66.29%
FCF Margin	67.31%	68.77%	68.39%	58.44%	68.72%
EBITDA	859.79	896.59	857.66	1,007	833.98
EBITDA Margin	68.19%	72.14%	77.28%	100.60%	81.09%
EBIT	854.56	890.81	853.14	1,004	830.6
EBIT Margin	67.77%	71.67%	76.88%	100.30%	80.76%
Effective Tax Rate	16.05%	14.74%	15.38%	15.87%	17.09%

Updated Feb 13, 2026. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q