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 (ESNT) Financials

ESNT

Trailing 12 months to June 30, 2026

Revenue $1.3B +4.3% YoY

Net Income $680.7M -4.8% YoY

EPS (Diluted) $7.18 +4.7% YoY

Free Cash Flow $825.9M -4.5% YoY

Market Cap $5.6B as of Oct 10, 2026

Price / Sales 4.2x on $1.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.3x on $680.7M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $5.7B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ESNT SEC filings page.

Essent Group LTD (ESNT) reported $1.3B in revenue over the twelve months to Jun 30, 2026, up 4.3% from the prior twelve months. This page shows its 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).

Rhea AI ESNT FY2025 2026-10-03

Essent converts reported earnings into cash reliably, then directs much of that cash toward share repurchases and dividends.

Across FY2023 to FY2025, operating cash flow rose from $763M to $856M even as net income fell from $696M to $690M in the latest year. That divergence suggests cash generation has been more stable than accounting profit, making earnings alone an incomplete view of operating performance.

From FY2023 to FY2025, total equity increased 12.8% while total liabilities grew 27.2%, so obligations expanded faster than the capital base. Debt-to-equity remained low at 0.3x, indicating the balance sheet still carries substantial equity relative to liabilities.

FY2025 free cash flow was $849M against just $7M of capital expenditures, so maintaining the reported business required little physical reinvestment. The company directed $588M to buybacks versus $122M of dividends; the resulting 9.0% decline in shares outstanding shows repurchases were a meaningful mechanism for returning cash.

Financial Health Signals

Financial Health Score 55/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Essent Group LTD's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Not available for Essent Group LTD, and counted as zero in the overall score.

Premium Growth

Essent Group LTD reported revenue of $1.3B in fiscal year 2025, against $1.2B in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and Essent Group LTD scores 35/100 among other insurers.

Capital

Essent Group LTD funded 77.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $5.8B of equity against $7.4B of assets. Capital ranks insurers on that cushion, and Essent Group LTD scores 98/100 among other insurers.

Investment Yield

Not available for Essent Group LTD, and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Essent Group LTD scores 95/100 on it among other insurers.

Stability

100

Essent Group LTD reported net income of $690.0M in fiscal year 2025, against $729.4M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Essent Group LTD scores 100/100 among other insurers.

Piotroski F-Score Partial

4/6

Essent Group LTD passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 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

$362.7M

YoY+13.6%

QoQ+7.9%

5Y CAGR+8.3%

10Y CAGR+12.9%

Essent Group LTD generated $362.7M in revenue in Q2 2026. This represents an increase of 13.6% from the same quarter a year earlier. Against the prior quarter it is up 7.9%.

Net Income

$189.7M

YoY-2.9%

QoQ+10.4%

5Y CAGR+3.5%

10Y CAGR+13.8%

Essent Group LTD reported $189.7M in net income in Q2 2026. This represents a decrease of 2.9% from the same quarter a year earlier. Against the prior quarter it is up 10.4%.

EPS (Diluted)

$2.08

YoY+7.8%

QoQ+14.3%

5Y CAGR+7.9%

10Y CAGR+13.8%

Essent Group LTD earned $2.08 per diluted share (EPS) in Q2 2026. This represents an increase of 7.8% from the same quarter a year earlier. Against the prior quarter it is up 14.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$196.1M

YoY+3.9%

QoQ+2.6%

5Y CAGR+5.3%

10Y CAGR+13.8%

Essent Group LTD generated $196.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 3.9% from the same quarter a year earlier. Against the prior quarter it is up 2.6%.

Cash & Debt

$74.3M

YoY-19.3%

QoQ-42.0%

5Y CAGR-12.2%

10Y CAGR+16.5%

Essent Group LTD held $74.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.35

YoY+12.9%

QoQ0.0%

5Y CAGR+15.5%

Essent Group LTD paid $0.35 per share in dividends in Q2 2026. This represents an increase of 12.9% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

90M

YoY-8.8%

QoQ-2.5%

5Y CAGR-4.3%

10Y CAGR-0.4%

Essent Group LTD had 90M shares outstanding in Q2 2026. This represents a decrease of 8.8% from the same quarter a year earlier. Against the prior quarter it is down 2.5%.

Margins & Returns

Net Margin

52.3%

YoY-8.9pp

QoQ+1.2pp

5Y change-13.4pp

10Y change+4.0pp

Essent Group LTD's net profit margin was 52.3% in Q2 2026, showing the share of revenue converted to profit. This is down 8.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.

Return on Equity

3.4%

YoY-0.1pp

QoQ+0.3pp

5Y change-0.6pp

10Y change-0.8pp

Essent Group LTD's ROE was 3.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$191.8M

YoY+12.5%

QoQ+12.3%

5Y CAGR+59.5%

10Y CAGR+137.9%

Essent Group LTD spent $191.8M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 12.5% from the same quarter a year earlier. Against the prior quarter it is up 12.3%.

Capital Expenditures

$972K

YoY+31.0%

QoQ+18.8%

5Y CAGR+38.5%

10Y CAGR+1.5%

Essent Group LTD invested $972K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 31.0% from the same quarter a year earlier. Against the prior quarter it is up 18.8%.

R&D Spending

Not reported for Q2 2026.

ESNT Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ESNT quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$1.3B	$1.3B+1.5%	$1.2B+12.0%	$1.1B+10.9%	$1.0B-2.7%	$1.0B+7.7%	$955.2M+10.1%	$867.6M+20.6%	$719.4M+24.8%	$576.5M+25.8%	$458.3M+29.7%	$353.3M+47.5%	$239.5M+82.2%	$131.4M+169.7%	$48.7M
Interest Expense	$32.7M	$32.7M-7.4%	$35.3M+17.2%	$30.1M+93.1%	$15.6M+88.5%	$8.3M-8.7%	$9.1M-10.6%	$10.2M-0.3%	$10.2M+96.6%	$5.2M+1115.5%	$426K	$0	N/A	N/A	N/A
Income Tax	$140.0M	$131.9M+4.6%	$126.1M-0.4%	$126.6M-19.3%	$156.8M+11.6%	$140.5M+82.4%	$77.1M-25.4%	$103.3M+30.3%	$79.3M+321.5%	$18.8M-78.9%	$89.3M+25.6%	$71.1M+49.8%	$47.4M+742.2%	-$7.4M-2118.0%	-$333K
Net Income	$680.7M	$690.0M-5.4%	$729.4M+4.7%	$696.4M-16.2%	$831.4M+21.9%	$681.8M+65.1%	$413.0M-25.7%	$555.7M+18.9%	$467.4M+23.1%	$379.7M+70.6%	$222.6M+41.5%	$157.3M+77.8%	$88.5M+35.3%	$65.4M+583.0%	-$13.5M
EPS (Basic)	N/A	$6.97+0.7%	$6.92+5.5%	$6.56-15.4%	$7.75+26.4%	$6.13+57.6%	$3.89-31.5%	$5.68+18.3%	$4.80+17.9%	$4.07+66.1%	$2.45+40.8%	$1.74+65.7%	$1.05+16.7%	$0.90	N/A
EPS (Diluted)	$7.18	$6.90+0.7%	$6.85+5.4%	$6.50-15.8%	$7.72+26.4%	$6.11+57.5%	$3.88-31.4%	$5.66+18.7%	$4.77+19.5%	$3.99+65.6%	$2.41+40.1%	$1.72+67.0%	$1.03+47.1%	$0.70	N/A
Diluted Shares (Avg)	N/A	100M-6.1%	107M-0.5%	107M-0.5%	108M-3.5%	112M+4.9%	106M+8.3%	98M+0.3%	98M+2.9%	95M+3.2%	92M+0.6%	92M+7.2%	86M+372.9%	18M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$362.7M+13.6%	$336.1M+5.8%	$312.4M-0.8%	$311.8M-1.5%	$319.1M+2.0%	$317.6M+6.4%	$315.0M+6.0%	$316.6M+6.9%
Interest Expense	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.3M-28.0%	$8.1M+3.8%	$8.1M+3.6%	$8.2M+2.5%	$11.5M+45.9%
Income Tax	$40.6M+13.3%	$34.9M+10.6%	$29.5M+9.2%	$34.9M+11.3%	$35.8M+0.6%	$31.6M-1.4%	$27.1M-2.0%	$31.4M-0.3%
Net Income	$189.7M-2.9%	$171.8M-2.1%	$155.0M-7.7%	$164.2M-6.8%	$195.3M-4.1%	$175.4M-3.5%	$167.9M-4.3%	$176.2M-1.0%
EPS (Basic)	$2.09+7.2%	$1.83+7.0%	$1.62+1.3%	$1.69+1.2%	$1.95+1.0%	$1.71-0.6%	$1.60-3.6%	$1.67-0.6%
EPS (Diluted)	$2.08+7.8%	$1.82+7.7%	$1.61+1.3%	$1.67+1.2%	$1.93+1.0%	$1.69-0.6%	$1.59-3.0%	$1.65-0.6%
Diluted Shares (Avg)	91M-9.6%	95M-9.0%	N/A	99M-7.5%	101M-5.4%	104M-2.6%	N/A	107M-0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

ESNT Balance Sheet

ESNT quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Total Assets	$7.4B+4.6%	$7.1B+10.7%	$6.4B+12.3%	$5.7B0.0%	$5.7B+10.0%	$5.2B+34.3%	$3.9B+23.0%	$3.1B+17.8%	$2.7B+42.0%	$1.9B+28.2%	$1.5B+24.3%	$1.2B+38.3%	$854.0M	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+44.1%	$71.3M+9.9%	$64.9M+49.2%	$43.5M+58.1%	$27.5M+11.9%	$24.6M+0.8%	$24.4M-94.9%	$477.7M+2040.5%	$22.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0-100.0%	$315.4M+104.3%	$154.4M-50.6%	$312.7M+136.3%	$132.3M+53.9%	$86.0M-59.2%	$210.7M	$0	$0
Accounts Receivable	$51.3M-7.7%	$55.6M-12.2%	$63.3M+10.2%	$57.4M+24.4%	$46.2M-7.9%	$50.1M+23.3%	$40.7M+10.2%	$36.9M+24.0%	$29.8M+37.5%	$21.6M+30.0%	$16.6M+5.2%	$15.8M+58.0%	$10.0M	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$48.8M0.0%	$48.8M-2.5%	$50.0M	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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+50.8%	$888.6M+13.3%	$784.3M+6.9%	$733.9M+36.1%	$539.2M+54.1%	$349.9M+55.0%	$225.7M+71.2%	$131.8M	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+29.4%	$3.0B+26.2%	$2.4B+21.9%	$1.9B+44.4%	$1.3B+20.1%	$1.1B+17.1%	$955.7M+32.3%	$722.1M+229.6%	$219.1M
Retained Earnings	$5.3B+12.1%	$4.7B+14.9%	$4.1B+16.8%	$3.5B+26.8%	$2.8B+28.0%	$2.2B+19.0%	$1.8B+41.0%	$1.3B+57.3%	$815.1M+86.8%	$436.3M+104.2%	$213.7M+279.0%	$56.4M+275.7%	-$32.1M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$7.6B+5.1%	$7.6B+5.1%	$7.4B+4.6%	$7.4B+3.2%	$7.2B+7.9%	$7.2B+9.7%	$7.1B+10.7%	$7.1B+16.9%
Cash & Equivalents	$74.3M-19.3%	$128.3M-38.4%	$123.0M-6.4%	$91.4M-16.4%	$92.1M-53.3%	$208.1M+26.7%	$131.5M-7.3%	$109.3M+12.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	$51.3M-7.7%	N/A	N/A	N/A	$55.6M-12.2%	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$48.8M0.0%	N/A	N/A	N/A	$48.8M-2.5%	N/A
Total Liabilities	$1.9B+24.6%	$1.9B+21.2%	$1.7B+11.7%	$1.6B+8.6%	$1.5B+17.9%	$1.5B+15.4%	$1.5B+13.9%	$1.5B+15.5%
Total Equity	$5.7B-0.2%	$5.7B+0.7%	$5.8B+2.7%	$5.7B+1.7%	$5.7B+5.4%	$5.7B+8.3%	$5.6B+9.8%	$5.6B+17.3%
Retained Earnings	$5.6B+11.1%	$5.4B+11.6%	$5.3B+12.1%	$5.1B+12.7%	$5.0B+13.4%	$4.8B+14.2%	$4.7B+14.9%	$4.6B+15.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

ESNT Cash Flow Statement

ESNT quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Operating Cash Flow	$834.1M	$856.1M-0.6%	$861.5M+12.9%	$763.0M+29.6%	$588.8M-17.0%	$709.3M-2.6%	$727.9M+23.4%	$589.8M-5.7%	$625.3M+69.7%	$368.6M+34.2%	$274.6M+21.2%	$226.6M+47.4%	$153.7M+29.2%	$119.0M+224.8%	$36.6M
Depreciation & Amortization	N/A	$5.2M-9.5%	$5.8M+27.8%	$4.5M+49.6%	$3.0M-10.5%	$3.4M+1.5%	$3.3M-11.7%	$3.8M+10.7%	$3.4M-13.2%	$3.9M-3.5%	$4.1M+26.3%	$3.2M+30.6%	$2.5M+9.4%	$2.3M-85.1%	$15.2M
Stock-Based Compensation	N/A	$20.8M-15.9%	$24.8M+34.3%	$18.4M+0.4%	$18.4M-11.8%	$20.8M+12.9%	$18.5M+11.3%	$16.6M+10.1%	$15.1M-19.3%	$18.7M+10.7%	$16.9M+23.8%	$13.6M+8.9%	$12.5M+248.1%	$3.6M+86.8%	$1.9M
Capital Expenditures	$8.2M	$7.4M+8.8%	$6.8M+69.1%	$4.0M+0.5%	$4.0M+59.4%	$2.5M+2.1%	$2.4M-28.2%	$3.4M-15.9%	$4.1M+45.7%	$2.8M-12.0%	$3.2M-36.3%	$5.0M+27.4%	$3.9M+46.0%	$2.7M-1.2%	$2.7M
Free Cash Flow	$825.9M	$848.7M-0.7%	$854.8M+12.6%	$759.0M+29.8%	$584.8M-17.3%	$706.8M-2.6%	$725.5M+23.7%	$586.4M-5.6%	$621.3M+69.8%	$365.8M+34.8%	$271.4M+22.5%	$221.6M+47.9%	$149.8M+28.8%	$116.3M+242.8%	$33.9M
Investing Cash Flow	-$117.2M	-$154.7M+78.1%	-$706.9M-34.5%	-$525.6M-31.8%	-$398.9M+31.6%	-$583.2M+49.5%	-$1.2B-111.8%	-$545.1M+0.3%	-$546.9M+20.8%	-$690.1M-88.9%	-$365.3M-65.5%	-$220.7M+69.7%	-$727.7M-652.1%	-$96.8M	N/A
Financing Cash Flow	-$734.7M	-$709.7M-330.4%	-$164.9M+6.8%	-$176.9M+7.0%	-$190.2M-29.0%	-$147.4M-132.2%	$458.0M+1293.6%	-$38.4M+32.7%	-$57.0M-116.9%	$337.6M+260.3%	$93.7M+1757.5%	-$5.7M-104.7%	$120.8M-72.1%	$433.1M	N/A
Dividends Paid	$123.7M	$122.1M+3.4%	$118.0M+11.1%	$106.2M+15.3%	$92.1M+18.5%	$77.7M+12.0%	$69.4M+136.5%	$29.3M	$0	$0	$0	$0	N/A	N/A	N/A
Share Buybacks	$611.0M	$587.7M+426.9%	$111.5M+57.8%	$70.7M-27.8%	$97.9M-40.2%	$163.9M+2478.8%	$6.4M-29.4%	$9.0M-71.3%	$31.4M+314.6%	$7.6M+88.3%	$4.0M-22.1%	$5.2M+106.9%	$2.5M+703.2%	$311K-66.0%	$916K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$197.1M+4.0%	$192.0M-13.3%	$229.1M+1.1%	$215.9M-5.8%	$189.5M+0.4%	$221.6M+2.1%	$226.7M+5.2%	$229.2M+17.5%
Depreciation & Amortization	$1.2M-10.5%	$1.2M-10.2%	$1.3M-12.4%	$1.3M-15.3%	$1.3M-8.7%	$1.4M-1.2%	$1.4M+6.6%	$1.5M-14.4%
Stock-Based Compensation	$3.4M-15.2%	$7.3M-18.4%	N/A	$3.9M-43.0%	$4.0M-43.3%	$9.0M+31.8%	N/A	$6.8M+51.3%
Capital Expenditures	$972K+31.0%	$818K+270.1%	$1.1M+58.1%	$5.3M+945.9%	$742K-29.9%	$221K-95.1%	$721K-66.6%	$503K-51.9%
Free Cash Flow	$196.1M+3.9%	$191.2M-13.6%	$228.0M+0.9%	$210.6M-7.9%	$188.8M+0.6%	$221.3M+4.2%	$226.0M+5.9%	$228.7M+17.9%
Investing Cash Flow	-$27.6M+73.5%	$16.6M-70.1%	-$41.8M+61.3%	-$64.4M+81.3%	-$104.1M-0.1%	$55.5M+136.7%	-$107.9M+16.5%	-$343.7M-154.9%
Financing Cash Flow	-$223.4M-11.0%	-$203.4M-1.4%	-$155.7M-61.1%	-$152.2M-675.4%	-$201.4M-290.5%	-$200.5M-364.5%	-$96.6M-134.4%	$26.5M+183.9%
Dividends Paid	$31.6M+2.5%	$32.6M+2.8%	$29.5M+0.3%	$30.1M+2.0%	$30.9M+4.4%	$31.7M+6.9%	$29.4M+11.2%	$29.5M+11.2%
Share Buybacks	$191.8M+12.5%	$170.9M+1.2%	$126.2M+90.2%	$122.1M+1165.9%	$170.5M+675.2%	$168.8M+1145.9%	$66.3M+348.3%	$9.6M+91.5%

ESNT Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ESNT quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Net Margin	54.7%-4.0pp	58.7%-4.1pp	62.7%-20.3pp	83.1%+16.8pp	66.3%+23.1pp	43.2%-20.8pp	64.0%-0.9pp	65.0%-0.9pp	65.9%+17.3pp	48.6%+4.1pp	44.5%+7.6pp	37.0%-12.8pp	49.8%+77.6pp	-27.8%
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%-7.9pp	18.6%-1.1pp	19.8%+0.2pp	19.6%+3.0pp	16.6%+2.5pp	14.1%+4.8pp	9.3%+0.2pp	9.1%+15.2pp	-6.2%
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%-6.4pp	14.3%-0.5pp	14.8%+0.6pp	14.2%+2.4pp	11.8%+1.1pp	10.7%+3.2pp	7.5%-0.2pp	7.7%	N/A
Debt-to-Equity	0.290.0x	0.270.0x	0.260.0x	0.28-0.1x	0.350.0x	0.350.0x	0.300.0x	0.330.0x	0.380.0x	0.40+0.1x	0.31+0.1x	0.24+0.1x	0.18	N/A
Asset Turnover	0.170.0x	0.170.0x	0.170.0x	0.170.0x	0.180.0x	0.180.0x	0.220.0x	0.230.0x	0.220.0x	0.240.0x	0.240.0x	0.200.0x	0.15	N/A
FCF Margin	67.3%-1.5pp	68.8%+0.4pp	68.4%+9.9pp	58.4%-10.3pp	68.7%-7.2pp	75.9%+8.3pp	67.6%-18.8pp	86.4%+22.9pp	63.4%+4.2pp	59.2%-3.5pp	62.7%+0.2pp	62.6%-26.0pp	88.5%+18.9pp	69.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	52.3%-8.9pp	51.1%-4.1pp	49.6%-3.7pp	52.7%-3.0pp	61.2%-3.8pp	55.2%-5.7pp	53.3%-5.7pp	55.6%-4.4pp
Return on Equity	3.4%-0.1pp	3.0%-0.1pp	2.7%-0.3pp	2.9%-0.3pp	3.4%-0.3pp	3.1%-0.4pp	3.0%-0.4pp	3.1%-0.6pp
Return on Assets	2.5%-0.2pp	2.3%-0.2pp	2.1%-0.3pp	2.2%-0.2pp	2.7%-0.3pp	2.4%-0.3pp	2.4%-0.4pp	2.5%-0.5pp
Debt-to-Equity	0.34+0.1x	0.33+0.1x	0.290.0x	0.280.0x	0.270.0x	0.270.0x	0.270.0x	0.260.0x
Asset Turnover	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x
FCF Margin	54.1%-5.1pp	56.9%-12.8pp	73.0%+1.2pp	67.5%-4.7pp	59.2%-0.8pp	69.7%-1.5pp	71.7%0.0pp	72.2%+6.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Essent Group LTD ESNT	FY2025	$1.3B	$690.0M	54.7%	$5.6B	55/100
MGIC Investment Corp. MTG	FY2025	$1.2B	$738.3M	60.8%	$5.6B	70/100
Enact Holdings, Inc. ACT	FY2025	$1.2B	$674.2M	54.6%	$6.3B	71/100
First American Financial Corporation FAF	FY2025	$7.5B	$621.8M	8.3%	$6.2B	20/100
Radian Group Inc. RDN	FY2025	$1.2B	$582.6M	48.7%	$4.5B	69/100
Axis Capital Holders Limited AXS	FY2025	$6.6B	$1.0B	15.4%	$7.1B	36/100

Where Essent Group LTD Ranks

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 P/E ratio?

Essent Group LTD (ESNT) trades at 8.3x earnings, its market capitalization divided by net income of $680.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $5.6B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Essent Group LTD's price-to-sales ratio?

Essent Group LTD (ESNT) trades at 4.2x sales, its market capitalization divided by revenue of $1.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $5.6B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Essent Group LTD (ESNT) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 55 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.