Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 13.6%, EPS grew 7.18%, free cash flow grew 3.88% and total debt was flat, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three.
64.70
0.94
+1.47%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
9.33 | 7.87 | 8.06 | 5.10 | 7.42 | 11.11 | 9.15 | 7.12 | 10.85 | 13.23 |
Piotroski F-Score |
5 | 6 | 7 | 7 | 5 | 3 | 6 | 6 | 4 | 6 |
P/S ratio |
5.10 | 4.62 | 5.06 | 4.23 | 4.92 | 4.80 | 5.86 | 4.63 | 7.10 | 6.43 |
P/FCF ratio |
7.58 | 6.71 | 7.40 | 7.24 | 7.16 | 6.32 | 8.67 | 5.36 | 11.18 | 10.86 |
P/Operating CF |
28.09 | 25.31 | 26.08 | 24.56 | 26.49 | 25.55 | 30.75 | 23.89 | 35.10 | 39.47 |
P/B ratio |
1.12 | 1.02 | 1.10 | 0.95 | 1.19 | 1.19 | 1.70 | 1.41 | 2.11 | 2.19 |
Price to Tangible BV |
1.13 | 1.04 | 1.12 | 0.95 | 1.19 | 1.19 | 1.70 | 1.41 | 2.11 | 2.19 |
EV/Sales |
5.73 | 5.25 | 5.70 | 5.00 | 5.66 | 5.37 | 6.30 | 4.85 | 7.45 | 6.59 |
EV/EBITDA |
8.27 | 7.11 | 7.24 | 4.88 | 6.71 | 9.76 | 7.94 | 6.07 | 10.24 | 9.24 |
EV/Operating CF |
8.45 | 7.57 | 8.28 | 8.50 | 8.21 | 7.05 | 9.27 | 5.58 | 11.66 | 11.00 |
EV/FCF |
8.52 | 7.63 | 8.33 | 8.56 | 8.24 | 7.07 | 9.33 | 5.61 | 11.74 | 11.13 |
Quick Ratio |
0.24 | 0.30 | 0.21 | 0.15 | 0.11 | 0.15 | 0.18 | 0.17 | 0.12 | 0.13 |
Current Ratio |
0.24 | 0.30 | 0.21 | 0.15 | 0.11 | 0.15 | 0.18 | 0.17 | 0.12 | 0.13 |
Net Debt/EBITDA |
0.43 | 0.40 | 0.32 | 0.75 | 0.88 | 1.04 | 0.56 | 0.67 | 1.08 | 0.53 |
Debt/Assets |
6.66% | 6.95% | 6.57% | 14.90% | 14.75% | 12.51% | 11.83% | 14.21% | 18.61% | 10.62% |
Debt/Equity |
0.09 | 0.09 | 0.08 | 0.19 | 0.20 | 0.17 | 0.15 | 0.19 | 0.26 | 0.15 |
Asset Turnover |
0.17 | 0.18 | 0.18 | 0.17 | 0.19 | 0.21 | 0.25 | 0.25 | 0.25 | 0.27 |
Operating CF/Net income |
1.24 | 1.18 | 1.10 | 0.71 | 1.04 | 1.76 | 1.06 | 1.34 | 0.97 | 1.23 |
Capex/Depreciation |
(0.38) | (0.64) | (0.21) | (0.19) | (0.07) | (0.09) | (0.17) | (0.23) | (0.17) | (0.22) |
Interest Coverage |
26.14 | 25.22 | 28.31 | 64.31 | 100.29 | 55.01 | 65.93 | 54.71 | 77.97 | 733.12 |
| 12.15% | 13.63% | 14.56% | 19.12% | 16.84% | 12.06% | 20.77% | 21.71% | 23.13% | 18.08% | |
| 9.48% | 10.78% | 11.46% | 14.53% | 12.48% | 9.10% | 15.82% | 16.05% | 16.67% | 13.28% | |
ROIC |
8.71% | 9.33% | 9.91% | 11.99% | 10.39% | 7.07% | 12.40% | 12.66% | 10.54% | 12.87% |
Return on Tangible Assets |
(137.96%) | (185.75%) | (97.39%) | (111.37%) | (70.08%) | (47.64%) | (109.04%) | (93.07%) | (74.31%) | (68.63%) |
Average Days of Receivables |
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 |
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 |
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 |
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 |
1.65% | 1.99% | 1.66% | 1.84% | 2.03% | 1.93% | 1.91% | 2.10% | 3.24% | 3.68% |
Graham Net Nets |
(0.23) | (0.23) | (0.20) | (0.27) | (0.27) | (0.26) | (0.15) | (0.20) | (0.16) | (0.17) |
Graham Number |
95.49 | 90.99 | 84.20 | 85.20 | 72.56 | 56.45 | 62.47 | 51.22 | 43.47 | 28.54 |
Earnings Yield |
10.72% | 12.71% | 12.40% | 19.63% | 13.49% | 9.00% | 10.93% | 14.04% | 9.22% | 7.56% |
Free Cash Flow Yield |
13.19% | 14.90% | 13.51% | 13.81% | 13.96% | 15.83% | 11.54% | 18.66% | 8.94% | 9.21% |
Revenue per Share |
12.74 | 11.79 | 10.45 | 9.34 | 9.25 | 9.00 | 8.87 | 7.39 | 6.18 | 5.04 |
Operating CF per Share |
8.65 | 8.17 | 7.18 | 5.49 | 6.38 | 6.86 | 6.03 | 6.42 | 3.95 | 3.02 |
Capex per Share |
(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 |
8.57 | 8.02 | 7.15 | 5.46 | 6.36 | 6.84 | 6.00 | 6.38 | 3.92 | 2.99 |
Cash per Share |
1.24 | 1.25 | 1.33 | 0.76 | 0.73 | 0.97 | 0.73 | 0.67 | 0.47 | 0.30 |
Shareholders Equity per Share |
58.15 | 53.17 | 48.04 | 41.62 | 38.11 | 36.41 | 30.53 | 24.29 | 20.79 | 14.78 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
58.15 | 53.17 | 48.04 | 41.62 | 38.11 | 36.41 | 30.53 | 24.29 | 20.79 | 14.78 |
Free Cash Flow |
848.69 | 844.77 | 759.00 | 584.84 | 706.76 | 725.49 | 586.44 | 621.27 | 365.79 | 271.40 |
Working Capital |
(549.31) | (434.56) | (756.32) | (766.04) | (984.76) | (882.01) | (526.95) | (509.78) | (518.02) | (332.48) |
Capital Expenditures |
(7.36) | (16.77) | (4.00) | (3.98) | (2.50) | (2.45) | (3.41) | (4.05) | (2.78) | (3.16) |
Net Current Asset Value |
(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 |
8.46 | 7.32 | 7.41 | 4.99 | 7.01 | 10.28 | 8.17 | 6.26 | 10.64 | 9.67 |
Capex to Sales |
0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 |
Price to Operating Income |
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 |
0.40 | 0.62 | 0.47 | 1.09 | 3.11 | 1.77 | 1.13 | 2.31 | 2.29 | 1.79 |
Cash ROIC |
13.31% | 13.56% | 13.40% | 10.84% | 13.69% | 15.72% | 16.69% | 21.58% | 14.74% | 17.27% |
Accounts Receivable Turnover |
23.61 | 20.92 | 18.39 | 19.33 | 21.36 | 21.04 | 22.38 | 21.59 | 22.44 | 23.95 |
Accounts Payable Turnover |
0.83 | 0.83 | 0.66 | (0.01) | 0.32 | 0.94 | 0.57 | 0.50 | 0.62 | 0.63 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
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 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
53.42 | 59.42 | 60.33 | 51.78 | 48.15 | 45.40 | 38.77 | 33.32 | 25.69 | 19.13 |
Average Payables |
491.70 | 422.61 | 389.87 | 486.09 | 609.10 | 486.81 | 346.59 | 325.73 | 277.14 | 233.28 |
Average Assets |
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 |
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 |
Columns are period end dates