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

65.37 3.23 −4.71%

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

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