Essent Group Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	997.96	983.72	990.88	916.91	842.53	872.54
Investment Income	237.56	236.52	222.07	186.14	124.41	88.77
Net Gains on Investments	-0.89	-0.92	-2.35	-7.2	-13.17	0.42
Total Other Revenues	44.81	41.62	32.3	13.92	47.06	66.78
Revenue	1,279	1,261	1,243	1,110	1,001	1,029
Revenue Growth (YoY)	1.37%	1.45%	12.00%	10.88%	-2.69%	7.68%
Insurance Benefits & Claims	166.27	149.34	81.22	31.54	-174.7	31.06
Other Operating Expenses	258.9	257.04	270.87	225.08	171.73	166.86
Operating Income	854.28	854.56	890.81	853.14	1,004	830.6
Interest Expense	-32.7	-32.7	-35.32	-30.14	-15.61	-8.28
Total Non-Operating Income (Expense)	-32.7	-32.7	-35.32	-30.14	-15.61	-8.28
Pretax Income	821.59	821.86	855.49	823	988.19	822.31
Provision for Income Taxes	135.25	131.89	126.09	126.61	156.83	140.53
Net Income	686.34	689.97	729.4	696.39	831.35	681.78
Net Income to Common	686.34	689.97	729.4	696.39	831.35	681.78
Net Income Growth	-5.09%	-5.41%	4.74%	-16.23%	21.94%	65.06%
Shares Outstanding (Basic)	97	99	105	106	107	111
Shares Outstanding (Diluted)	98	100	107	107	108	112
Shares Change (YoY)	-7.69%	-6.13%	-0.54%	-0.49%	-3.50%	4.87%
EPS (Basic)	7.09	6.97	6.92	6.56	7.75	6.13
EPS (Diluted)	7.02	6.90	6.85	6.50	7.72	6.11
EPS Growth	2.78%	0.73%	5.38%	-15.80%	26.35%	57.47%
Free Cash Flow	818.57	848.69	854.77	759	584.84	706.76
Free Cash Flow Growth	-3.55%	-0.71%	12.62%	29.78%	-17.25%	-2.58%
Free Cash Flow Per Share	8.38	8.48	8.02	7.08	5.43	6.34
Dividends Per Share	1.280	1.240	1.120	1.000	0.860	0.700
Dividend Growth	3.23%	10.71%	12.00%	16.28%	22.86%	9.38%
Operating Margin	66.77%	67.77%	71.67%	76.88%	100.30%	80.76%
Profit Margin	53.64%	54.72%	58.69%	62.75%	83.07%	66.29%
FCF Margin	63.98%	67.31%	68.77%	68.39%	58.44%	68.72%
EBITDA	859.38	859.79	896.59	857.66	1,007	833.98
EBITDA Margin	67.17%	68.19%	72.14%	77.28%	100.60%	81.09%
EBIT	854.28	854.56	890.81	853.14	1,004	830.6
EBIT Margin	66.77%	67.77%	71.67%	76.88%	100.30%	80.76%
Effective Tax Rate	16.46%	16.05%	14.74%	15.38%	15.87%	17.09%

SEC Filings: 10-K · 10-Q