Friday 6 November 2026 Export ESNT’s income statement to Excel — free account

Essent Group Ltd.

ESNT Financial Insurance Specialty

Essent Group Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 1.45% from fiscal 2024.

Revenue: +13.6%
EPS: +7.18%
Free cash flow: +3.88%
Total debt: +0.27%

Quarter to June 2026, against a year earlier

63.26 5.34 −7.78%

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Market cap: $6.2B
P/E: 9.5×
Fwd P/E: 8.8×
Dividend yield: 1.98%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Valuation Filings

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	13.23	10.85	7.12	9.15	11.11	7.42	5.10	8.06	7.87	9.33
Piotroski F-Score Full definition →	6	4	6	6	3	5	7	7	6	5
P/S ratio Full definition →	6.43	7.10	4.63	5.86	4.80	4.92	4.23	5.06	4.62	5.10
P/FCF ratio Full definition →	10.86	11.18	5.36	8.67	6.32	7.16	7.24	7.40	6.71	7.58
P/Operating CF Full definition →	39.47	35.10	23.89	30.75	25.55	26.49	24.56	26.08	25.31	28.09
P/B ratio Full definition →	2.19	2.11	1.41	1.70	1.19	1.19	0.95	1.10	1.02	1.12
Price to Tangible BV Full definition →	2.19	2.11	1.41	1.70	1.19	1.19	0.95	1.12	1.04	1.13
EV/Sales Full definition →	6.59	7.45	4.85	6.30	5.37	5.66	5.00	5.70	5.25	5.73
EV/EBITDA Full definition →	9.24	10.24	6.07	7.94	9.76	6.71	4.88	7.24	7.11	8.27
EV/Operating CF Full definition →	11.00	11.66	5.58	9.27	7.05	8.21	8.50	8.28	7.57	8.45
EV/FCF Full definition →	11.13	11.74	5.61	9.33	7.07	8.24	8.56	8.33	7.63	8.52
Quick Ratio Full definition →	0.13	0.12	0.17	0.18	0.15	0.11	0.15	0.21	0.30	0.24
Current Ratio Full definition →	0.13	0.12	0.17	0.18	0.15	0.11	0.15	0.21	0.30	0.24
Net Debt/EBITDA Full definition →	0.53	1.08	0.67	0.56	1.04	0.88	0.75	0.32	0.40	0.43
Debt/Assets Full definition →	10.62%	18.61%	14.21%	11.83%	12.51%	14.75%	14.90%	6.57%	6.95%	6.66%
Debt/Equity Full definition →	0.15	0.26	0.19	0.15	0.17	0.20	0.19	0.08	0.09	0.09
Asset Turnover Full definition →	0.27	0.25	0.25	0.25	0.21	0.19	0.17	0.18	0.18	0.17
Operating CF/Net income Full definition →	1.23	0.97	1.34	1.06	1.76	1.04	0.71	1.10	1.18	1.24
Capex/Depreciation Full definition →	(0.22)	(0.17)	(0.23)	(0.17)	(0.09)	(0.07)	(0.19)	(0.21)	(0.64)	(0.38)
Interest Coverage Full definition →	733.12	77.97	54.71	65.93	55.01	100.29	64.31	28.31	25.22	26.14
ROE Full definition →	18.08%	23.13%	21.71%	20.77%	12.06%	16.84%	19.12%	14.56%	13.63%	12.15%
ROA Full definition →	13.28%	16.67%	16.05%	15.82%	9.10%	12.48%	14.53%	11.46%	10.78%	9.48%
ROIC Full definition →	12.87%	10.54%	12.66%	12.40%	7.07%	10.39%	11.99%	9.91%	9.33%	8.71%
Return on Tangible Assets Full definition →	(68.63%)	(74.31%)	(93.07%)	(109.04%)	(47.64%)	(70.08%)	(111.37%)	(97.39%)	(185.75%)	(137.96%)
Average Days of Receivables Full definition →	17.23	18.84	18.71	17.10	19.16	16.38	20.93	20.81	16.32	14.84
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	3.68%	3.24%	2.10%	1.91%	1.93%	2.03%	1.84%	1.66%	1.99%	1.65%
Graham Net Nets Full definition →	(0.17)	(0.16)	(0.20)	(0.15)	(0.26)	(0.27)	(0.27)	(0.20)	(0.23)	(0.23)
Graham Number Full definition →	28.54	43.47	51.22	62.47	56.45	72.56	85.20	84.20	90.99	95.49
Earnings Yield Full definition →	7.56%	9.22%	14.04%	10.93%	9.00%	13.49%	19.63%	12.40%	12.71%	10.72%
Free Cash Flow Yield Full definition →	9.21%	8.94%	18.66%	11.54%	15.83%	13.96%	13.81%	13.51%	14.90%	13.19%
Revenue per Share Full definition →	5.04	6.18	7.39	8.87	9.00	9.25	9.34	10.45	11.79	12.74
Operating CF per Share Full definition →	3.02	3.95	6.42	6.03	6.86	6.38	5.49	7.18	8.17	8.65
Capex per Share Full definition →	(0.03)	(0.03)	(0.04)	(0.03)	(0.02)	(0.02)	(0.04)	(0.04)	(0.16)	(0.07)
Free Cash Flow per Share Full definition →	2.99	3.92	6.38	6.00	6.84	6.36	5.46	7.15	8.02	8.57
Cash per Share Full definition →	0.30	0.47	0.67	0.73	0.97	0.73	0.76	1.33	1.25	1.24
Shareholders Equity per Share Full definition →	14.78	20.79	24.29	30.53	36.41	38.11	41.62	48.04	53.17	58.15
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	14.78	20.79	24.29	30.53	36.41	38.11	41.62	48.04	53.17	58.15
Free Cash Flow Full definition →	271.40	365.79	621.27	586.44	725.49	706.76	584.84	759.00	844.77	848.69
Working Capital Full definition →	(332.48)	(518.02)	(509.78)	(526.95)	(882.01)	(984.76)	(766.04)	(756.32)	(434.56)	(549.31)
Capital Expenditures Full definition →	(3.16)	(2.78)	(4.05)	(3.41)	(2.45)	(2.50)	(3.98)	(4.00)	(16.77)	(7.36)
Net Current Asset Value Full definition →	(490.06)	(660.66)	(682.43)	(776.57)	(1,187.12)	(1,358.41)	(1,122.85)	(1,119.07)	(1,320.95)	(1,509.96)
EV/EBIT Full definition →	9.67	10.64	6.26	8.17	10.28	7.01	4.99	7.41	7.32	8.46
Capex to Sales Full definition →	0.01	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.01	0.01
Price to Operating Income Full definition →	9.44	10.13	5.98	7.60	9.18	6.09	4.22	6.59	6.44	7.53
Other line items
Depreciation/Fixed assets Full definition →	1.79	2.29	2.31	1.13	1.77	3.11	1.09	0.47	0.62	0.40
Cash ROIC Full definition →	17.27%	14.74%	21.58%	16.69%	15.72%	13.69%	10.84%	13.40%	13.56%	13.31%
Accounts Receivable Turnover Full definition →	23.95	22.44	21.59	22.38	21.04	21.36	19.33	18.39	20.92	23.61
Accounts Payable Turnover Full definition →	0.63	0.62	0.50	0.57	0.94	0.32	(0.01)	0.66	0.83	0.83
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	619.61	647.59	774.89	640.83	500.59	1,093.32	(46,604.89)	569.47	461.15	483.72
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	19.13	25.69	33.32	38.77	45.40	48.15	51.78	60.33	59.42	53.42
Average Payables Full definition →	233.28	277.14	325.73	346.59	486.81	609.10	486.09	389.87	422.61	491.70
Average Assets Full definition →	1,676.05	2,278.68	2,912.17	3,511.70	4,538.07	5,462.45	5,722.99	6,075.24	6,769.16	7,276.33
Average Common Equity Full definition →	1,231.51	1,642.10	2,153.08	2,675.28	3,423.74	4,049.37	4,349.21	4,782.43	5,353.10	5,680.19

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