Essent Group Ltd. (ESNT)

Essent Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	988.06	990.88	916.91	842.53	872.54	862.56
Total Interest & Dividend Income	245.61	222.07	186.14	124.41	88.77	80.09
Gain (Loss) on Sale of Investments	-0.36	-2.35	-7.2	-13.17	0.42	2.7
Other Revenue	35	32.3	13.92	47.06	66.78	9.81
Total Revenue	1,268	1,243	1,110	1,001	1,029	955.15
Revenue Growth (YoY)	5.28%	12.00%	10.88%	-2.69%	7.68%	10.10%
Policy Benefits	119.98	81.22	31.54	-174.7	31.06	301.29
Policy Acquisition & Underwriting Costs	106.76	109.98	83.52	47.45	146.01	136.23
Other Operating Expenses	26.23	24.5	22.17	20.98	-	-
Total Operating Expenses	391.7	352.09	252.12	-5.97	197.91	455.98
Operating Income	876.6	890.81	857.64	1,007	830.6	499.17
Interest Expense	-35.9	-35.32	-30.14	-15.61	-8.28	-9.07
EBT Excluding Unusual Items	840.7	855.49	827.5	991.19	822.31	490.1
Merger & Restructuring Charges	-	-	-4.5	-3	-	-
Pretax Income	840.7	855.49	823	988.19	822.31	490.1
Income Tax Expense	125.85	126.09	126.61	156.83	140.53	77.06
Net Income	714.85	729.4	696.39	831.35	681.78	413.04
Net Income to Common	714.85	729.4	696.39	831.35	681.78	413.04
Net Income Growth	-3.22%	4.74%	-16.23%	21.94%	65.06%	-25.67%
Shares Outstanding (Basic)	103	105	106	107	111	106
Shares Outstanding (Diluted)	104	107	107	108	112	106
Shares Change (YoY)	-2.28%	-0.54%	-0.49%	-3.50%	4.87%	8.30%
EPS (Basic)	6.92	6.92	6.56	7.75	6.13	3.89
EPS (Diluted)	6.85	6.85	6.50	7.72	6.11	3.88
EPS Growth	-0.84%	5.38%	-15.80%	26.35%	57.47%	-31.45%
Free Cash Flow	864.82	854.77	759	584.84	706.76	725.49
Free Cash Flow Per Share	8.28	8.02	7.08	5.43	6.34	6.82
Dividend Per Share	1.180	1.120	1.000	0.860	0.700	0.640
Dividend Growth	11.32%	12.00%	16.28%	22.86%	9.38%	113.33%
Operating Margin	69.12%	71.67%	77.28%	100.60%	80.76%	52.26%
Profit Margin	56.36%	58.68%	62.75%	83.07%	66.29%	43.24%
Free Cash Flow Margin	68.19%	68.77%	68.39%	58.44%	68.72%	75.95%
EBITDA	882.24	896.59	862.16	1,010	833.98	502.5
EBITDA Margin	69.56%	72.14%	77.69%	100.90%	81.09%	52.61%
D&A For EBITDA	5.64	5.78	4.53	3.02	3.38	3.33
EBIT	876.6	890.81	857.64	1,007	830.6	499.17
EBIT Margin	69.12%	71.67%	77.28%	100.60%	80.76%	52.26%
Effective Tax Rate	14.97%	14.74%	15.38%	15.87%	17.09%	15.72%
Revenue as Reported	1,268	1,243	1,110	1,001	1,029	955.15

Updated Aug 8, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q