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Essent Group Ltd. (ESNT)

NYSE Financials Commercial & Residential Mortgage Finance S&P MidCap 400
$63.41
-5.19 (-7.57%)
Close of Nov 06, 2026 · end-of-day data
Source: Essent Group Ltd.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$458.26M$576.51M$719.35M$867.57M$955.15M$1.03B$1.00B$1.11B$1.24B$1.26B
Interest expense$426.00K$5.18M$10.18M$10.15M$9.07M$8.28M$15.61M$30.14M$35.32M$32.70M
Pre-tax income$311.88M$398.57M$546.70M$659.06M$490.10M$822.31M$988.19M$823.00M$855.49M$821.86M
Income tax$89.28M$18.82M$79.34M$103.35M$77.06M$140.53M$156.83M$126.61M$126.09M$131.89M
Net income$222.61M$379.75M$467.36M$555.71M$413.04M$681.78M$831.35M$696.39M$729.40M$689.97M
EPS (basic)$2.45$4.07$4.80$5.68$3.89$6.13$7.75$6.56$6.92$6.97
EPS (diluted)$2.41$3.99$4.77$5.66$3.88$6.11$7.72$6.50$6.85$6.90
Diluted shares92.25M95.21M97.97M98.23M106.38M111.56M107.65M107.13M106.55M100.02M
Net margin48.6%65.9%65.0%64.1%43.2%66.3%83.1%62.8%58.7%54.7%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$27.53M$43.52M$64.95M$71.35M$102.83M$81.49M$81.24M$141.79M$131.48M$123.05M
Short-term investments$132.35M$312.69M$154.40M$315.36M——————
Goodwill——————$0$50.01M$48.76M$48.76M
Total assets$1.88B$2.67B$3.15B$3.87B$5.20B$5.72B$5.72B$6.43B$7.11B$7.44B
Total liabilities$539.23M$733.93M$784.25M$888.58M$1.34B$1.49B$1.26B$1.32B$1.51B$1.68B
Shareholders' equity$1.34B$1.94B$2.37B$2.98B$3.86B$4.24B$4.46B$5.10B$5.60B$5.76B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$274.56M$368.57M$625.32M$589.85M$727.93M$709.26M$588.82M$763.00M$861.53M$856.05M
Capital expenditures$3.16M$2.78M$4.05M$3.41M$2.45M$2.50M$3.98M$4.00M$6.77M$7.36M
Free cash flow$271.40M$365.79M$621.27M$586.44M$725.49M$706.76M$584.84M$759.00M$854.77M$848.69M
Investing cash flow-$365.32M-$690.14M-$546.90M-$545.08M-$1.15B-$583.17M-$398.87M-$525.57M-$706.93M-$154.74M
Financing cash flow$93.68M$337.56M-$56.99M-$38.37M$457.97M-$147.43M-$190.20M-$176.88M-$164.91M-$709.75M
Dividends paid—$0$0$29.35M$69.41M$77.72M$92.13M$106.22M$118.04M$122.07M
Share buybacks$4.02M$7.58M$31.41M$9.01M$6.35M$163.85M$97.91M$70.67M$111.54M$587.68M
Stock-based compensation$16.88M$18.69M$15.07M$16.59M$18.46M$20.84M$18.38M$18.45M$24.78M$20.85M
Depreciation & amortization$4.06M$3.92M$3.40M$3.77M$3.33M$3.38M$3.02M$4.53M$5.78M$5.23M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.