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Financials · ESNT

Essent Group Ltd. (ESNT) financials

For the twelve months ended Sep 30, 2026, Essent Group Ltd. reported $1.39B of revenue and $679.87M of net income.

Revenue, TTM
$1.39B
Revenue growth, YoY
+9.6%
Net income, TTM
$679.87M
Net income growth, YoY
-3.3%
Net margin
49.1%
Free cash flow, TTM
$853.15M
EPS, diluted, TTM
$7.33
EPS growth, YoY
+6.5%
Cash
$160.67M
P/E
8.69
P/S
4.27
Market cap
$5.91B
Annual revenue$1.26B
FY2016FY2025
Annual net income$689.97M
FY2016FY2025
Annual free cash flow$848.69M
FY2016FY2025

ESNT revenue and earnings growth

ESNT revenueQ3 2026$374.18M

Quarter YoY
+20.0%
QoQ
+3.2%
FY YoY
+1.5%
5Y CAGR
+5.7%
10Y CAGR
+13.6%

ESNT revenue was $374.18M in fiscal Q3 2026 (ended Sep 30, 2026), up 20.0% from a year earlier and up 3.2% from the prior quarter. For the full fiscal 2025 it was $1.26B, up 1.5% from fiscal 2024. Compound annual growth was +5.7% over 5 years and +13.6% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 14 fiscal years on file.

ESNT net incomeQ3 2026$163.38M

Quarter YoY
-0.5%
QoQ
-13.9%
FY YoY
-5.4%
5Y CAGR
+10.8%
10Y CAGR
+15.9%

ESNT net income was $163.38M in fiscal Q3 2026 (ended Sep 30, 2026), down 0.5% from a year earlier and down 13.9% from the prior quarter. For the full fiscal 2025 it was $689.97M, down 5.4% from fiscal 2024. Compound annual growth was +10.8% over 5 years and +15.9% over 10 years. It rose in 7 of the last 10 fiscal years.

ESNT EPSQ3 2026$1.82

Quarter YoY
+9.0%
QoQ
-12.5%
FY YoY
+0.7%
5Y CAGR
+12.2%
10Y CAGR
+14.9%

ESNT diluted EPS was $1.82 in fiscal Q3 2026 (ended Sep 30, 2026), up 9.0% from a year earlier and down 12.5% from the prior quarter. For the full fiscal 2025 it was $6.90, up 0.7% from fiscal 2024. Compound annual growth was +12.2% over 5 years and +14.9% over 10 years.

ESNT free cash flowQ3 2026$237.85M

Quarter YoY
+12.9%
QoQ
+21.3%
FY YoY
-0.7%
5Y CAGR
+3.2%
10Y CAGR
+14.4%

ESNT free cash flow was $237.85M in fiscal Q3 2026 (ended Sep 30, 2026), up 12.9% from a year earlier and up 21.3% from the prior quarter. For the full fiscal 2025 it was $848.69M, down 0.7% from fiscal 2024. Compound annual growth was +3.2% over 5 years and +14.4% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$1.26B$1.24B$1.11B$1.00B$1.03B$955.15M$867.57M$719.35M$576.51M$458.26M
Interest expense$32.70M$35.32M$30.14M$15.61M$8.28M$9.07M$10.15M$10.18M$5.18M$426.0K
Pre-tax income$821.86M$855.49M$823.00M$988.19M$822.31M$490.10M$659.06M$546.70M$398.57M$311.88M
Income tax$131.89M$126.09M$126.61M$156.83M$140.53M$77.06M$103.35M$79.34M$18.82M$89.28M
Net income$689.97M$729.40M$696.39M$831.35M$681.78M$413.04M$555.71M$467.36M$379.75M$222.61M
EPS, basic$6.97$6.92$6.56$7.75$6.13$3.89$5.68$4.80$4.07$2.45
EPS, diluted$6.90$6.85$6.50$7.72$6.11$3.88$5.66$4.77$3.99$2.41
Diluted shares100.0M106.5M107.1M107.7M111.6M106.4M98.2M98.0M95.2M92.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$123.05M$131.48M$141.79M$81.24M$81.49M$102.83M$71.35M$64.95M$43.52M$27.53M
Short-term investments------$315.36M$154.40M$312.69M$132.35M
Goodwill$48.76M$48.76M$50.01M$0------
Total assets$7.44B$7.11B$6.43B$5.72B$5.72B$5.20B$3.87B$3.15B$2.67B$1.88B
Total liabilities$1.68B$1.51B$1.32B$1.26B$1.49B$1.34B$888.58M$784.25M$733.93M$539.23M
Shareholders' equity$5.76B$5.60B$5.10B$4.46B$4.24B$3.86B$2.98B$2.37B$1.94B$1.34B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$856.05M$861.53M$763.00M$588.82M$709.26M$727.93M$589.85M$625.32M$368.57M$274.56M
Capital expenditures$7.36M$6.77M$4.00M$3.98M$2.50M$2.45M$3.41M$4.05M$2.78M$3.16M
Free cash flow$848.69M$854.77M$759.00M$584.84M$706.76M$725.49M$586.44M$621.27M$365.79M$271.40M
Investing cash flow-$154.74M-$706.93M-$525.57M-$398.87M-$583.17M-$1.15B-$545.08M-$546.90M-$690.14M-$365.32M
Financing cash flow-$709.75M-$164.91M-$176.88M-$190.20M-$147.43M$457.97M-$38.37M-$56.99M$337.56M$93.68M
Dividends paid$122.07M$118.04M$106.22M$92.13M$77.72M$69.41M$29.35M$0$0-
Share repurchases$587.68M$111.54M$70.67M$97.91M$163.85M$6.35M$9.01M$31.41M$7.58M$4.02M
Stock-based compensation$20.85M$24.78M$18.45M$18.38M$20.84M$18.46M$16.59M$15.07M$18.69M$16.88M
Depreciation and amortization$5.23M$5.78M$4.53M$3.02M$3.38M$3.33M$3.77M$3.40M$3.92M$4.06M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY1.5%12.0%10.9%-2.7%7.7%10.1%20.6%24.8%25.8%29.7%
Net income growth, YoY-5.4%4.7%-16.2%21.9%65.1%-25.7%18.9%23.1%70.6%41.5%
EPS growth, YoY0.7%5.4%-15.8%26.4%57.5%-31.4%18.7%19.5%65.6%40.1%
Net margin54.7%58.7%62.8%83.1%66.3%43.2%64.1%65.0%65.9%48.6%
Free cash flow margin67.3%68.8%68.4%58.4%68.7%76.0%67.6%86.4%63.4%59.2%
Return on equity12.0%13.0%13.6%18.6%16.1%10.7%18.6%19.8%19.6%16.6%
Return on assets9.3%10.3%10.8%14.5%11.9%7.9%14.3%14.8%14.2%11.8%

Source: XBRL data Essent Group Ltd. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ESNT peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
ESNT$1.39B+9.6%$679.87M49.1%$5.91B
CB$61.85B+5.7%$11.23B18.2%$138.87B
PGR$91.73B+7.7%$11.62B12.7%$131.82B
TRV$48.92B+1.1%$8.33B17.0%$80.99B
ALL$70.23B+5.1%$11.61B16.5%$62.80B
AIG$27.73B+1.2%$3.29B11.9%$41.28B
HIG$29.87B+9.2%$4.61B15.4%$36.06B
ACGL$18.78B-3.9%$4.38B23.3%$35.20B
CINF$13.28B+9.9%$2.66B20.1%$28.58B

ESNT FAQ

8 questions
  • What is ESNT revenue?
    Essent Group Ltd. (ESNT) reported $1.39B of revenue for the twelve months ended Sep 30, 2026. That is up 9.6% from the year before. Revenue for fiscal 2025 was $1.26B.
  • Is ESNT profitable?
    Yes. Essent Group Ltd. earned $679.87M in net income for the twelve months ended Sep 30, 2026, a net margin of 49.1%.
  • How much cash and debt does ESNT have?
    Essent Group Ltd. reported $160.67M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is ESNT revenue growing?
    Essent Group Ltd.'s revenue changed +1.5% in fiscal 2025, to $1.26B. Its compound annual growth rate was +5.7% over 5 years and +13.6% over 10 years.
  • What is ESNT free cash flow?
    Essent Group Ltd. generated $853.15M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $857.24M less capital expenditures.
  • What is ESNT earnings per share?
    Diluted earnings per share were $7.33 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did ESNT last report financial results?
    The latest statements here come from Essent Group Ltd.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this ESNT financial data come from?
    Quantisnow builds these statements from the structured XBRL data Essent Group Ltd. files with the SEC. It is provided for information only and is not investment advice.