What is Essent Group Ltd's earnings per share (EPS)?

Essent Group Ltd (ESNT) reported diluted earnings per share of $6.90 for fiscal year 2025. This represents a 0.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Essent Group Ltd Financials

ESNT

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Essent Group Ltd (ESNT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 67/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Essent Group Ltd's revenue grew a modest 1.5% year-over-year to $1.3B. This slow but positive growth earns a score of 36/100.

Leverage

Essent Group Ltd carries a low D/E ratio of 0.29, meaning only $0.29 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Essent Group Ltd converts 67.3% of revenue into free cash flow ($848.7M). This strong cash generation earns a score of 100/100.

Returns

Essent Group Ltd's ROE of 12.0% shows moderate profitability relative to equity, earning a score of 38/100. This is down from 13.0% the prior year.

Piotroski F-Score Neutral

4/9

Essent Group Ltd passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.24x

For every $1 of reported earnings, Essent Group Ltd generates $1.24 in operating cash flow ($856.1M OCF vs $690.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.3B

YoY+1.5%

5Y CAGR+5.7%

10Y CAGR+13.6%

Essent Group Ltd generated $1.3B in revenue in fiscal year 2025. This represents an increase of 1.5% from the prior year.

EBITDA

N/A

Net Income

$690.0M

YoY-5.4%

5Y CAGR+10.8%

10Y CAGR+15.9%

Essent Group Ltd reported $690.0M in net income in fiscal year 2025. This represents a decrease of 5.4% from the prior year.

EPS (Diluted)

$6.90

YoY+0.7%

5Y CAGR+12.2%

10Y CAGR+14.9%

Essent Group Ltd earned $6.90 per diluted share (EPS) in fiscal year 2025. This represents an increase of 0.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$848.7M

YoY-0.7%

5Y CAGR+3.2%

10Y CAGR+14.4%

Essent Group Ltd generated $848.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 0.7% from the prior year.

Cash & Debt

$123.0M

YoY-6.4%

5Y CAGR+3.7%

10Y CAGR+17.5%

Essent Group Ltd held $123.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.24

YoY+10.7%

5Y CAGR+14.1%

Essent Group Ltd paid $1.24 per share in dividends in fiscal year 2025. This represents an increase of 10.7% from the prior year.

Shares Outstanding

95M

YoY-8.9%

5Y CAGR-3.4%

10Y CAGR+0.2%

Essent Group Ltd had 95M shares outstanding in fiscal year 2025. This represents a decrease of 8.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

54.7%

YoY-4.0pp

5Y CAGR+11.5pp

10Y CAGR+10.2pp

Essent Group Ltd's net profit margin was 54.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.0 percentage points from the prior year.

Return on Equity

12.0%

YoY-1.0pp

5Y CAGR+1.3pp

10Y CAGR-2.1pp

Essent Group Ltd's ROE was 12.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$587.7M

YoY+426.9%

5Y CAGR+147.3%

10Y CAGR+60.5%

Essent Group Ltd spent $587.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 426.9% from the prior year.

Capital Expenditures

$7.4M

YoY+8.8%

5Y CAGR+24.7%

10Y CAGR+4.0%

Essent Group Ltd invested $7.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 8.8% from the prior year.

ESNT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.3B+1.5%	$1.2B+12.0%	$1.1B+10.9%	$1.0B-2.7%	$1.0B+7.7%	$955.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$32.7M-7.4%	$35.3M+17.2%	$30.1M+93.1%	$15.6M+88.5%	$8.3M-8.7%	$9.1M
Income Tax	$131.9M+4.6%	$126.1M-0.4%	$126.6M-19.3%	$156.8M+11.6%	$140.5M+82.4%	$77.1M
Net Income	$690.0M-5.4%	$729.4M+4.7%	$696.4M-16.2%	$831.4M+21.9%	$681.8M+65.1%	$413.0M
EPS (Diluted)	$6.90+0.7%	$6.85+5.4%	$6.50-15.8%	$7.72+26.4%	$6.11+57.5%	$3.88

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$312.4M+0.2%	$311.8M-2.3%	$319.1M+0.5%	$317.6M+0.8%	$315.0M-0.5%	$316.6M+1.2%	$312.9M+4.9%	$298.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$8.1M-1.2%	$8.3M+1.3%	$8.1M0.0%	$8.1M0.0%	$8.2M-28.9%	$11.5M+46.0%	$7.8M-0.2%	$7.9M
Income Tax	$29.5M-15.4%	$34.9M-2.5%	$35.8M+13.5%	$31.6M+16.7%	$27.1M-13.9%	$31.4M-11.8%	$35.6M+11.2%	$32.0M
Net Income	$155.0M-5.6%	$164.2M-15.9%	$195.3M+11.3%	$175.4M+4.5%	$167.9M-4.7%	$176.2M-13.5%	$203.6M+12.0%	$181.7M
EPS (Diluted)	N/A	$1.67-13.5%	$1.93+14.2%	$1.69	N/A	$1.65-13.6%	$1.91+12.4%	$1.70

ESNT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.4B+4.6%	$7.1B+10.7%	$6.4B+12.3%	$5.7B0.0%	$5.7B+10.0%	$5.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$123.0M-6.4%	$131.5M-7.3%	$141.8M+74.5%	$81.2M-0.3%	$81.5M-20.8%	$102.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$51.3M-7.7%	$55.6M-12.2%	$63.3M+10.2%	$57.4M+24.4%	$46.2M-7.9%	$50.1M
Goodwill	$48.8M0.0%	$48.8M-2.5%	$50.0M	$0	N/A	N/A
Total Liabilities	$1.7B+11.7%	$1.5B+13.9%	$1.3B+5.0%	$1.3B-15.1%	$1.5B+10.9%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$5.8B+2.7%	$5.6B+9.8%	$5.1B+14.3%	$4.5B+5.3%	$4.2B+9.7%	$3.9B
Retained Earnings	$5.3B+12.1%	$4.7B+14.9%	$4.1B+16.8%	$3.5B+26.8%	$2.8B+28.0%	$2.2B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$7.4B+1.2%	$7.4B+1.8%	$7.2B+0.2%	$7.2B+1.3%	$7.1B-0.2%	$7.1B+6.5%	$6.7B+1.9%	$6.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$123.0M+34.6%	$91.4M-0.8%	$92.1M-55.7%	$208.1M+58.2%	$131.5M+20.3%	$109.3M-44.6%	$197.4M+20.2%	$164.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$51.3M	N/A	N/A	N/A	$55.6M	N/A	N/A	N/A
Goodwill	$48.8M	N/A	N/A	N/A	$48.8M	N/A	N/A	N/A
Total Liabilities	$1.7B+4.4%	$1.6B+4.2%	$1.5B+0.1%	$1.5B+2.5%	$1.5B+1.5%	$1.5B+13.1%	$1.3B-1.9%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$5.8B+0.3%	$5.7B+1.2%	$5.7B+0.2%	$5.7B+1.0%	$5.6B-0.7%	$5.6B+4.9%	$5.4B+2.9%	$5.2B
Retained Earnings	$5.3B+2.4%	$5.1B+2.7%	$5.0B+3.4%	$4.8B+3.1%	$4.7B+3.0%	$4.6B+3.3%	$4.4B+4.1%	$4.2B

ESNT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$856.1M-0.6%	$861.5M+12.9%	$763.0M+29.6%	$588.8M-17.0%	$709.3M-2.6%	$727.9M
Capital Expenditures	$7.4M+8.8%	$6.8M+69.1%	$4.0M+0.5%	$4.0M+59.4%	$2.5M+2.1%	$2.4M
Free Cash Flow	$848.7M-0.7%	$854.8M+12.6%	$759.0M+29.8%	$584.8M-17.3%	$706.8M-2.6%	$725.5M
Investing Cash Flow	-$154.7M+78.1%	-$706.9M-34.5%	-$525.6M-31.8%	-$398.9M+31.6%	-$583.2M+49.5%	-$1.2B
Financing Cash Flow	-$709.7M-330.4%	-$164.9M+6.8%	-$176.9M+7.0%	-$190.2M-29.0%	-$147.4M-132.2%	$458.0M
Dividends Paid	$122.1M+3.4%	$118.0M+11.1%	$106.2M+15.3%	$92.1M+18.5%	$77.7M+12.0%	$69.4M
Share Buybacks	$587.7M+426.9%	$111.5M+57.8%	$70.7M-27.8%	$97.9M-40.2%	$163.9M+2478.8%	$6.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$229.1M+6.1%	$215.9M+13.9%	$189.5M-14.5%	$221.6M-2.3%	$226.7M-1.1%	$229.2M+21.5%	$188.7M-13.0%	$216.9M
Capital Expenditures	$1.1M-78.3%	$5.3M+609.0%	$742K+235.7%	$221K-69.3%	$721K+43.3%	$503K-52.5%	$1.1M-76.4%	$4.5M
Free Cash Flow	$228.0M+8.2%	$210.6M+11.5%	$188.8M-14.7%	$221.3M-2.1%	$226.0M-1.2%	$228.7M+21.9%	$187.6M-11.7%	$212.5M
Investing Cash Flow	-$41.8M+35.1%	-$64.4M+38.2%	-$104.1M-287.5%	$55.5M+151.5%	-$107.9M+68.6%	-$343.7M-230.6%	-$104.0M+31.3%	-$151.3M
Financing Cash Flow	-$155.7M-2.3%	-$152.2M+24.4%	-$201.4M-0.4%	-$200.5M-107.5%	-$96.6M-465.3%	$26.5M+151.3%	-$51.6M-19.5%	-$43.2M
Dividends Paid	$29.5M-1.9%	$30.1M-2.6%	$30.9M-2.5%	$31.7M+7.8%	$29.4M-0.3%	$29.5M-0.4%	$29.6M-0.1%	$29.6M
Share Buybacks	$126.2M+3.3%	$122.1M-28.4%	$170.5M+1.0%	$168.8M+154.5%	$66.3M+587.7%	$9.6M-56.1%	$22.0M+62.3%	$13.6M

ESNT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	54.7%-4.0pp	58.7%-4.1pp	62.7%-20.3pp	83.1%+16.8pp	66.3%+23.1pp	43.2%
Return on Equity	12.0%-1.0pp	13.0%-0.6pp	13.7%-5.0pp	18.6%+2.5pp	16.1%+5.4pp	10.7%
Return on Assets	9.3%-1.0pp	10.3%-0.6pp	10.8%-3.7pp	14.5%+2.6pp	11.9%+4.0pp	7.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.29+0.0	0.270.0	0.26-0.0	0.28-0.1	0.350.0	0.35
FCF Margin	67.3%-1.5pp	68.8%+0.4pp	68.4%+9.9pp	58.4%-10.3pp	68.7%-7.2pp	75.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	49.6%-3.0pp	52.7%-8.6pp	61.2%+6.0pp	55.2%+1.9pp	53.3%-2.3pp	55.6%-9.4pp	65.1%+4.1pp	60.9%
Return on Equity	2.7%-0.2pp	2.9%-0.6pp	3.4%+0.3pp	3.1%+0.1pp	3.0%-0.1pp	3.1%-0.7pp	3.8%+0.3pp	3.5%
Return on Assets	2.1%-0.2pp	2.2%-0.5pp	2.7%+0.3pp	2.4%+0.1pp	2.4%-0.1pp	2.5%-0.6pp	3.0%+0.3pp	2.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.29+0.0	0.280.0	0.270.0	0.270.0	0.270.0	0.26+0.0	0.24-0.0	0.26
FCF Margin	73.0%+5.4pp	67.5%+8.4pp	59.2%-10.5pp	69.7%-2.0pp	71.7%-0.5pp	72.2%+12.3pp	60.0%-11.2pp	71.2%

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Frequently Asked Questions

What is Essent Group Ltd's annual revenue?

Essent Group Ltd (ESNT) reported $1.3B in total revenue for fiscal year 2025. This represents a 1.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Essent Group Ltd's revenue growing?

Essent Group Ltd (ESNT) revenue grew by 1.5% year-over-year, from $1.2B to $1.3B in fiscal year 2025.

Is Essent Group Ltd profitable?

Yes, Essent Group Ltd (ESNT) reported a net income of $690.0M in fiscal year 2025, with a net profit margin of 54.7%.

What is Essent Group Ltd's net profit margin?

Essent Group Ltd (ESNT) had a net profit margin of 54.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Essent Group Ltd pay dividends?

Yes, Essent Group Ltd (ESNT) paid $1.24 per share in dividends during fiscal year 2025.

What is Essent Group Ltd's return on equity (ROE)?

Essent Group Ltd (ESNT) has a return on equity of 12.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Essent Group Ltd's free cash flow?

Essent Group Ltd (ESNT) generated $848.7M in free cash flow during fiscal year 2025. This represents a -0.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Essent Group Ltd's operating cash flow?

Essent Group Ltd (ESNT) generated $856.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Essent Group Ltd's total assets?

Essent Group Ltd (ESNT) had $7.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Essent Group Ltd's capital expenditures?

Essent Group Ltd (ESNT) invested $7.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Essent Group Ltd buy back shares?

Yes, Essent Group Ltd (ESNT) spent $587.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Essent Group Ltd have outstanding?

Essent Group Ltd (ESNT) had 95M shares outstanding as of fiscal year 2025.

What is Essent Group Ltd's debt-to-equity ratio?

Essent Group Ltd (ESNT) had a debt-to-equity ratio of 0.29 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Essent Group Ltd's return on assets (ROA)?

Essent Group Ltd (ESNT) had a return on assets of 9.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Essent Group Ltd's Piotroski F-Score?

Essent Group Ltd (ESNT) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Essent Group Ltd's earnings high quality?

Essent Group Ltd (ESNT) has an earnings quality ratio of 1.24x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Essent Group Ltd?

Essent Group Ltd (ESNT) scores 67 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.