Essent Group Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Premiums & Annuity Revenue	985.45	990.88	916.91	842.53	872.54	862.56
Total Interest & Dividend Income	233.85	222.07	186.14	124.41	88.77	80.09
Gain (Loss) on Sale of Investments	-0.85	-2.35	-7.2	-13.17	0.42	2.7
Other Revenue	45.1	32.3	13.92	47.06	66.78	9.81
Total Revenue	1,264	1,243	1,110	1,001	1,029	955.15
Revenue Growth (YoY)	2.04%	12.00%	10.88%	-2.69%	7.68%	10.10%
Policy Benefits	134.24	81.22	31.54	-174.7	31.06	301.29
Policy Acquisition & Underwriting Costs	104.36	109.98	83.52	47.45	146.01	136.23
Other Operating Expenses	25.87	24.5	22.17	20.98	-	-
Total Operating Expenses	398.58	352.09	252.12	-5.97	197.91	455.98
Operating Income	864.98	890.81	857.64	1,007	830.6	499.17
Interest Expense	-32.7	-35.32	-30.14	-15.61	-8.28	-9.07
EBT Excluding Unusual Items	832.28	855.49	827.5	991.19	822.31	490.1
Merger & Restructuring Charges	-	-	-4.5	-3	-	-
Pretax Income	832.28	855.49	823	988.19	822.31	490.1
Income Tax Expense	129.4	126.09	126.61	156.83	140.53	77.06
Net Income	702.89	729.4	696.39	831.35	681.78	413.04
Net Income to Common	702.89	729.4	696.39	831.35	681.78	413.04
Net Income Growth	-4.61%	4.74%	-16.23%	21.94%	65.06%	-25.67%
Shares Outstanding (Basic)	101	105	106	107	111	106
Shares Outstanding (Diluted)	102	107	107	108	112	106
Shares Change (YoY)	-4.06%	-0.54%	-0.49%	-3.50%	4.87%	8.30%
EPS (Basic)	6.94	6.92	6.56	7.75	6.13	3.89
EPS (Diluted)	6.87	6.85	6.50	7.72	6.11	3.88
EPS Growth	-0.39%	5.38%	-15.80%	26.35%	57.47%	-31.45%
Free Cash Flow	846.72	854.77	759	584.84	706.76	725.49
Free Cash Flow Per Share	8.27	8.02	7.08	5.43	6.34	6.82
Dividend Per Share	1.210	1.120	1.000	0.860	0.700	0.640
Dividend Growth	11.01%	12.00%	16.28%	22.86%	9.38%	113.33%
Operating Margin	68.46%	71.67%	77.28%	100.60%	80.76%	52.26%
Profit Margin	55.63%	58.68%	62.75%	83.07%	66.29%	43.24%
Free Cash Flow Margin	67.01%	68.77%	68.39%	58.44%	68.72%	75.95%
EBITDA	870.39	896.59	862.16	1,010	833.98	502.5
EBITDA Margin	68.88%	72.14%	77.69%	100.90%	81.09%	52.61%
D&A For EBITDA	5.41	5.78	4.53	3.02	3.38	3.33
EBIT	864.98	890.81	857.64	1,007	830.6	499.17
EBIT Margin	68.46%	71.67%	77.28%	100.60%	80.76%	52.26%
Effective Tax Rate	15.55%	14.74%	15.38%	15.87%	17.09%	15.72%
Revenue as Reported	1,264	1,243	1,110	1,001	1,029	955.15

Updated Nov 7, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q