Saturday 17 October 2026 Export ESNT’s income statement to Excel — free account

Essent Group Ltd.

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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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 16.85

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	2	1	—	—	—	3	—	2	3	4	3	—

Insider Ownership 4.56%

Capital & Financial Ratios $m

Market Cap 5,730.00

Revenue 1,322.99

Net Income 680.71

Free Cash Flow 825.89

Net Debt 421.64

Current Ratio 0.31

Debt/Equity 0.09

P/E ratio 8.95

Fwd P/E 8.01

P/S ratio 4.44

P/B ratio 1.04

Past 5Y EPS Growth 12.20%

This Y EPS Growth 8.95%

Next Y EPS Growth 3.69%

Next Y revenue growth 8.02%

Next 5Y EPS Growth 5.28%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 54.88%

10-year low 10-year high

P/S against its own 10 years 16.70%

10-year low 10-year high

P/B against its own 10 years 19.31%

10-year low 10-year high

Dividends

Payout Ratio 0.19

Annual Dividend Rate 1.36

Annual Dividend Yield 2.10%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.40	0.35 0.35 0.35
2025	1.24	0.31 0.31 0.31 0.31
2024	1.12	0.28 0.28 0.28 0.28
2023	1.00	0.25 0.25 0.25 0.25
2022	0.86	0.20 0.21 0.22 0.23
2021	0.70	0.16 0.17 0.18 0.19
2020	0.64	0.16 0.16 0.16 0.16
2019	0.30	0.15 0.15
2018	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	142	131	123	74
Receivables	63	56	51	170
Inventory	—	—	—	—
Other	—	—	—	—
	205	187	174	244

	2023	2024	2025	Q'26
Payables	400	445	539	776
ST’ Debt	422	—	—	—
Other	—	—	—	—
	961	622	724	776

Compound Annual Growth %

	10y	5y	3y
Sales	13.57%	5.71%	8.01%
Cash Flow	14.22%	3.30%	13.29%
Earnings	15.93%	10.81%	(6.02%)
Book Value	17.79%	8.31%	8.86%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	336	363	—	—	—
’25	318	319	312	312	1,261
’24	298	313	317	315	1,243
’23	256	260	296	297	1,110
’22	265	244	262	230	1,001
’21	245	243	284	257	1,029
’20	229	236	243	247	955

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	192	197	—	—	—
’25	222	190	216	229	856
’24	217	189	229	227	862
’23	185	168	195	215	763
’22	181	63	173	172	589
’21	188	152	178	191	709
’20	163	183	203	179	728

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	191	196	—	—	—
’25	221	189	211	228	849
’24	212	188	229	226	845
’23	184	167	194	213	759
’22	180	62	172	171	585
’21	187	152	177	190	707
’20	163	182	202	178	725

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.82	2.08	—	—	—
’25	1.69	1.93	1.67	1.60	6.90
’24	1.70	1.91	1.65	1.58	6.85
’23	1.59	1.61	1.66	1.64	6.50
’22	2.52	2.16	1.66	1.37	7.72
’21	1.21	1.42	1.84	1.64	6.11
’20	1.52	0.15	1.11	1.10	3.88

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	16.49	31.54	31.08	33.37	17.52	39.62	34.27	36.53	50.66	51.61	Analyst estimates 2026–2028 Powerpack
	High	33.94	47.29	50.08	55.84	52.99	54.22	50.17	53.66	65.33	67.09
People
People	Employees	376	397	385	387	381	343	346	536	625	514
	Revenue/emp, $m	1.22	1.45	1.87	2.24	2.51	3.00	2.89	2.07	1.99	2.45
Income, $m
Income, $m	Revenue	458	577	719	868	955	1,029	1,001	1,110	1,243	1,261
	Gross margin, %	68.15	70.03	77.41	77.14	52.26	80.76	100.30	76.88	71.67	67.77
	EBT	312	399	547	659	490	822	988	823	855	822
	EBT margin, %	68.06	69.13	76.00	75.97	51.31	79.95	98.74	74.16	68.83	65.18
	Net income	223	380	467	556	413	682	831	696	729	690
	Depreciation	15	16	18	20	27	37	21	19	26	20
Per share, $
Per share, $	Revenue	5.04	6.18	7.39	8.87	9.00	9.25	9.34	10.45	11.79	12.74
	Earnings	2.45	4.07	4.80	5.68	3.89	6.13	7.75	6.56	6.92	6.97
	Cash flow	3.02	3.95	6.42	6.03	6.86	6.38	5.49	7.18	8.17	8.65
	Capex	(0.03)	(0.03)	(0.04)	(0.03)	(0.02)	(0.02)	(0.04)	(0.04)	(0.16)	(0.07)
	Free cash flow	2.99	3.92	6.38	6.00	6.84	6.36	5.46	7.15	8.02	8.57
	Book value	14.78	20.79	24.29	30.53	36.41	38.11	41.62	48.04	53.17	58.15
	Shares, m	91	93	97	98	106	111	107	106	105	99
Valuation, ×
Valuation, ×	P/E	13.23	10.85	7.12	9.15	11.11	7.42	5.10	8.06	7.87	9.33
	P/S	6.43	7.10	4.63	5.86	4.80	4.92	4.23	5.06	4.62	5.10
	P/B	2.19	2.11	1.41	1.70	1.19	1.19	0.95	1.10	1.02	1.12
	EV/Sales	6.59	7.45	4.85	6.30	5.37	5.66	5.00	5.70	5.25	5.73
	EV/FCF	11.13	11.74	5.61	9.33	7.07	8.24	8.56	8.33	7.63	8.52
Cash, $m
Cash, $m	Operating cash flow	275	369	625	590	728	709	589	763	862	856
	Capex	(3)	(3)	(4)	(3)	(2)	(2)	(4)	(4)	(17)	(7)
	Free cash flow	271	366	621	586	725	707	585	759	845	849
Balance, $m
Balance, $m	Working capital	(332)	(518)	(510)	(527)	(882)	(985)	(766)	(756)	(435)	(549)
	Total debt	200	498	448	458	651	844	853	422	494	495
	Net debt	172	454	383	387	548	762	772	280	362	372
	Shareholders’ equity	1,344	1,940	2,366	2,985	3,863	4,236	4,462	5,103	5,604	5,757
Returns, %
Returns, %	ROA	13.28	16.67	16.05	15.82	9.10	12.48	14.53	11.46	10.78	9.48
	ROIC	12.87	10.54	12.66	12.40	7.07	10.39	11.99	9.91	9.33	8.71
	ROE	18.08	23.13	21.71	20.77	12.06	16.84	19.12	14.56	13.63	12.15

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FNF Fidelity National Financial, Inc.	$10.6B	14.1×	8.8×	+11.44% (above 0%: growing)	+9.80% (above 0%: growing)	−1.24% (below 0%: shrinking)	53.15%	9.85%	Compare
RYAN Ryan Specialty Holdings Inc.	$10.2B	52.9×	37.4×	+7.19% (above 0%: growing)	−19.51% (below 0%: shrinking)	−17.82% (below 0%: shrinking)	100.00%	19.67%	Compare
AXS Axis Capital Holdings Limited	$7.2B	7.0×	7.4×	+7.35% (above 0%: growing)	+24.00% (above 0%: growing)	+137.05% (above 0%: growing)	28.72%	19.18%	Compare
FAF First American Financial Corporation	$6.5B	9.0×	9.9×	+14.99% (above 0%: growing)	+51.06% (above 0%: growing)	+2.71% (above 0%: growing)	100.00%	16.60%	Compare
ACT Enact Holdings, Inc.	$6.3B	9.7×	8.8×	+4.07% (above 0%: growing)	+11.61% (above 0%: growing)	−0.84% (below 0%: shrinking)	73.93%	73.26%	Compare
ESNT Essent Group Ltd.	$5.7B	8.9×	8.0×	+13.64% (above 0%: growing)	+7.18% (above 0%: growing)	+3.88% (above 0%: growing)	65.75%	65.75%
MTG MGIC Investment Corporation	$5.7B	8.7×	8.3×	−2.91% (below 0%: shrinking)	+6.17% (above 0%: growing)	+0.83% (above 0%: growing)	81.29%	80.85%	Compare
RDN Radian Group Inc.	$4.5B	8.7×	7.8×	+92.58% (above 0%: growing)	−17.48% (below 0%: shrinking)	+147.96% (above 0%: growing)	50.35%	30.09%	Compare
AGO Assured Guaranty Ltd.	$3.1B	9.5×	11.8×	−30.60% (below 0%: shrinking)	−57.89% (below 0%: shrinking)	−48.72% (below 0%: shrinking)	97.95%	42.05%	Compare
Median of peers	$6.4B	9.2×	8.8×	+7.27%	+7.99%	0.00%	77.61%	24.88%

All 17 Insurance Specialty stocks →

Essent Group Ltd. (ESNT) key facts

Concern: Net income was $690.0 million, or $6.97 per share (basic), a net margin of 54.7%.
Strength: Essent Group Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 1.45% from fiscal 2024.
Essent Group Ltd. (ESNT) is an Insurance Specialty company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, ESNT traded at $64.70, a market capitalization of $5.7 billion.
At that price the stock trades at 8.9× trailing-twelve-month earnings and 4.4× sales; its P/E is higher than 55% of its own readings over the past ten years.
Essent Group Ltd. pays an annual dividend of $1.36 per share, a yield of 2.10%, with a payout ratio of 19.0%.
Return on equity was 12.2% and debt-to-equity 0.09.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.