Essent Group Ltd. (ESNT)
NYSE: ESNT · Real-Time Price · USD
64.58
-0.31 (-0.48%)
Nov 13, 2026, 4:00 PM EST - Market closed
Essent Group Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 Income | 679.87 | 689.97 | 729.4 | 696.39 | 831.35 | 681.78 |
Depreciation & Amortization | 5.52 | 5.23 | 5.78 | 4.53 | 3.02 | 3.38 |
Gain (Loss) on Sale of Assets | 0 | 0.07 | - | - | - | - |
Gain (Loss) on Sale of Investments | 15 | 15.3 | 22.58 | 22.1 | 31.52 | 33.32 |
Stock-Based Compensation | 17.61 | 20.85 | 24.78 | 18.45 | 18.38 | 20.84 |
Change in Accounts Receivable | -133.16 | 4.42 | 7.47 | -2.07 | -11.21 | 3.34 |
Change in Unearned Revenue | 172.45 | -24.25 | -24.3 | -22.62 | -22.5 | -65.05 |
Change in Income Taxes | 1.63 | -23.83 | -18.95 | -52.19 | -57.65 | -58.17 |
Change in Insurance Reserves / Liabilities | 188.34 | 117.96 | 68.77 | 29.02 | -190.98 | 32.5 |
Change in Other Net Operating Assets | -20.26 | 6.52 | 7.88 | 63.32 | -58.99 | -0.88 |
Other Operating Activities | 39.29 | 61.3 | 46.02 | -5.81 | 72.27 | 109.75 |
Operating Cash Flow | 857.24 | 856.05 | 861.53 | 763 | 588.82 | 709.26 |
Operating Cash Flow Growth | 0.42% | -0.64% | 12.91% | 29.58% | -16.98% | -2.56% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Capital Expenditures | -4.09 | -7.36 | -6.77 | -4 | -3.98 | -2.5 |
Purchase / Sale of Intangible Assets | - | - | -10 | - | - | - |
Cash Acquisitions | - | - | - | -86.76 | - | - |
Investment in Securities | -95.77 | -147.37 | -690.16 | -434.81 | -394.89 | -580.67 |
Investing Cash Flow | -99.86 | -154.74 | -706.93 | -525.57 | -398.87 | -583.17 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Long-Term Debt Issued | - | - | 498.16 | - | - | 225 |
Total Debt Repaid | - | - | -425 | - | - | -125 |
Net Debt Issued (Repaid) | - | - | 73.16 | - | - | 100 |
Repurchases of Common Stock | -563.31 | -587.68 | -111.54 | -70.67 | -97.91 | -163.86 |
Common Dividends Paid | -124.82 | -122.07 | -118.04 | -106.22 | -92.13 | -77.72 |
Other Financing Activities | - | - | -8.49 | - | -0.15 | -5.85 |
Financing Cash Flow | -688.12 | -709.75 | -164.91 | -176.89 | -190.2 | -147.43 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 Cash Flow | 69.26 | -8.43 | -10.31 | 60.55 | -0.25 | -21.34 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | 853.15 | 848.69 | 854.77 | 759 | 584.84 | 706.76 |
Free Cash Flow Growth | 0.76% | -0.71% | 12.62% | 29.78% | -17.25% | -2.58% |
Free Cash Flow Margin | 61.58% | 67.31% | 68.77% | 68.39% | 58.44% | 68.72% |
Free Cash Flow Per Share | 9.17 | 8.48 | 8.02 | 7.08 | 5.43 | 6.34 |
Levered Free Cash Flow | 888.42 | 351.27 | 777.84 | -168.49 | 406.7 | 870.88 |
Unlevered Free Cash Flow | 908.8 | 371.71 | 799.92 | -149.66 | 416.45 | 876.05 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Cash Interest Paid | 31.25 | 31.25 | 17.2 | 28.57 | 13.6 | 6.95 |
Cash Income Tax Paid | 82.93 | 91.15 | 92.52 | 139.71 | 98.01 | 55.8 |
Change in Working Capital | 144.18 | 80.92 | 40.35 | 16.23 | -339.06 | -83.44 |