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 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 | 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 |
Premiums & Annuity Revenue | 1,070 | 983.72 | 990.88 | 916.91 | 842.53 | 872.54 |
Total Interest & Dividend Income | 243.04 | 236.52 | 222.07 | 186.14 | 124.41 | 88.77 |
Gain (Loss) on Sale of Investments | -2.07 | -0.92 | -2.35 | -7.2 | -13.17 | 0.42 |
Other Revenue | 74.12 | 41.62 | 32.3 | 13.92 | 47.06 | 66.78 |
| 1,385 | 1,261 | 1,243 | 1,110 | 1,001 | 1,029 | |
Revenue Growth | 9.64% | 1.45% | 12.00% | 10.88% | -2.69% | 7.68% |
Policy Benefits | 236.74 | 149.34 | 81.22 | 31.54 | -174.7 | 31.06 |
Policy Acquisition & Underwriting Costs | 140.7 | 101.26 | 109.98 | 83.52 | 47.45 | 146.01 |
Other Operating Expenses | 25.97 | 25.83 | 24.5 | 22.17 | 20.98 | - |
Total Operating Expenses | 532.12 | 406.38 | 352.09 | 252.12 | -5.97 | 197.91 |
Operating Income | 853.22 | 854.56 | 890.81 | 857.64 | 1,007 | 830.6 |
Interest Expense | -32.61 | -32.7 | -35.32 | -30.14 | -15.61 | -8.28 |
EBT Excluding Unusual Items | 820.62 | 821.86 | 855.49 | 827.5 | 991.19 | 822.31 |
Merger & Restructuring Charges | - | - | - | -4.5 | -3 | - |
Pretax Income | 820.62 | 821.86 | 855.49 | 823 | 988.19 | 822.31 |
Income Tax Expense | 140.74 | 131.89 | 126.09 | 126.61 | 156.83 | 140.53 |
Net Income | 679.87 | 689.97 | 729.4 | 696.39 | 831.35 | 681.78 |
Net Income to Common | 679.87 | 689.97 | 729.4 | 696.39 | 831.35 | 681.78 |
Net Income Growth | -3.27% | -5.41% | 4.74% | -16.23% | 21.94% | 65.06% |
Shares Outstanding (Basic) | 92 | 99 | 105 | 106 | 107 | 111 |
Shares Outstanding (Diluted) | 93 | 100 | 107 | 107 | 108 | 112 |
Shares Change | -9.10% | -6.13% | -0.54% | -0.49% | -3.50% | 4.87% |
EPS (Basic) | 7.37 | 6.97 | 6.92 | 6.56 | 7.75 | 6.13 |
EPS (Diluted) | 7.30 | 6.90 | 6.85 | 6.50 | 7.72 | 6.11 |
EPS Growth | 6.26% | 0.73% | 5.38% | -15.80% | 26.35% | 57.47% |
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 |
Free Cash Flow | 853.15 | 848.69 | 854.77 | 759 | 584.84 | 706.76 |
Free Cash Flow Per Share | 9.17 | 8.48 | 8.02 | 7.08 | 5.43 | 6.34 |
Dividend Per Share | 1.360 | 1.240 | 1.120 | 1.000 | 0.860 | 0.700 |
Dividend Growth | 12.40% | 10.71% | 12.00% | 16.28% | 22.86% | 9.38% |
Operating Margin | 61.59% | 67.77% | 71.67% | 77.28% | 100.60% | 80.76% |
Profit Margin | 49.08% | 54.72% | 58.68% | 62.75% | 83.07% | 66.29% |
Free Cash Flow Margin | 61.58% | 67.31% | 68.77% | 68.39% | 58.44% | 68.72% |
EBITDA | 858.74 | 859.79 | 896.59 | 862.16 | 1,010 | 833.98 |
EBITDA Margin | 61.99% | 68.19% | 72.14% | 77.69% | 100.90% | 81.09% |
D&A For EBITDA | 5.52 | 5.23 | 5.78 | 4.53 | 3.02 | 3.38 |
EBIT | 853.22 | 854.56 | 890.81 | 857.64 | 1,007 | 830.6 |
EBIT Margin | 61.59% | 67.77% | 71.67% | 77.28% | 100.60% | 80.76% |
Effective Tax Rate | 17.15% | 16.05% | 14.74% | 15.38% | 15.87% | 17.09% |
Revenue as Reported | 1,385 | 1,261 | 1,243 | 1,110 | 1,001 | 1,029 |