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%
Market cap
$5.7B
P/E
8.9×
Fwd P/E
8.0×
Dividend yield
2.10%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Older periods Sep '25 Dec '25 Mar '26 Jun '26
P/E ratio

+8 more quarters

9.15 9.33 8.24 8.89
P/S ratio
4.90 5.10 4.29 4.41
P/FCF ratio
7.31 7.58 6.70 7.06
P/Operating CF
28.68 28.09 28.55 29.59
P/B ratio
1.08 1.12 0.96 1.03
Price to Tangible BV
1.09 1.13 0.98 1.04
EV/Sales
5.55 5.73 4.90 5.05
EV/EBITDA
7.92 8.27 7.18 7.66
EV/Operating CF
8.22 8.45 7.59 8.01
EV/FCF
8.29 8.52 7.66 8.08
Quick Ratio
0.29 0.32 0.38 0.31
Current Ratio
0.29 0.32 0.38 0.31
Net Debt/EBITDA
1.90 1.88 1.67 1.74
Debt/Assets
6.73% 6.66% 6.55% 6.53%
Debt/Equity
0.09 0.09 0.09 0.09
Asset Turnover
0.17 0.17 0.17 0.18
Operating CF/Net income
1.31 1.48 1.12 1.04
Capex/Depreciation
(1.10) (0.22) (0.16) (0.27)
Interest Coverage
25.14 23.64 26.37 29.27
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Intangible Assets out of Total Assets
0.01 0.01 0.01 0.01
Share Based Compensation of Revenue
1.24% 1.29% 2.18% 0.92%
Graham Net Nets
(0.24) (0.23) (0.29) (0.29)
Graham Number
95.99 95.49 98.42 100.76
Earnings Yield
10.93% 10.72% 12.13% 11.25%
Free Cash Flow Yield
13.68% 13.19% 14.93% 14.16%
Revenue per Share
3.20 3.16 3.58 4.00
Operating CF per Share
2.22 2.31 2.05 2.17
Capex per Share
(0.05) (0.01) (0.01) (0.01)
Free Cash Flow per Share
2.16 2.30 2.04 2.16
Cash per Share
0.94 1.24 1.37 0.82
Shareholders Equity per Share
58.92 58.15 60.72 62.41
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
58.92 58.15 60.72 62.41
Free Cash Flow
210.60 227.95 191.23 196.12
Working Capital
(348.63) (364.24) (439.59) (531.52)
Capital Expenditures
(5.26) (1.14) (0.82) (0.97)
Net Current Asset Value
(1,467.94) (1,509.96) (1,600.88) (1,684.38)
EV/EBIT
8.11 8.46 7.34 7.82
Capex to Sales
0.02 0.00 0.00 0.00
Price to Operating Income
7.16 7.53 6.42 6.83
Other line items
Average Receivables
54.03 53.42 98.62 111.06
Average Payables
451.49 491.70 588.52 621.38
Average Assets
7,239.27 7,276.33 7,387.24 7,406.22
Average Common Equity
5,689.98 5,680.19 5,677.90 5,668.12

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Columns are period end dates