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Stocks · Financials · Surety Insurance

Essent Group Ltd.

ESNT Clue Score61
Bermuda Fiscal year ends December CIK 0001448893
$62.49 -1.73% Close, 9 Oct 2026
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Price $62.49 +34.79% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue458.3Net income222.6EPS, diluted2.41Fiscal year 2017Revenue576.5 +25.8%Net income379.7 +70.6%EPS, diluted3.99 +65.6%Fiscal year 2018Revenue719.4 +24.8%Net income467.4 +23.1%EPS, diluted4.77 +19.5%Fiscal year 2019Revenue867.6 +20.6%Net income555.7 +18.9%EPS, diluted5.66 +18.7%Fiscal year 2020Revenue955.2 +10.1%Net income413.0 −25.7%EPS, diluted3.88 −31.4%Fiscal year 2021Revenue1,028.5 +7.7%Net income681.8 +65.1%EPS, diluted6.11 +57.5%Fiscal year 2022Revenue1,000.8 −2.7%Net income831.4 +21.9%EPS, diluted7.72 +26.4%Fiscal year 2023Revenue1,109.8 +10.9%Net income696.4 −16.2%EPS, diluted6.50 −15.8%Fiscal year 2024Revenue1,242.9 +12.0%Net income729.4 +4.7%EPS, diluted6.85 +5.4%Fiscal year 2025Revenue1,260.9 +1.5%Net income690.0 −5.4%EPS, diluted6.90 +0.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 458.3 576.5 719.4 867.6 955.2 1,028.5 1,000.8 1,109.8 1,242.9 1,260.9
Growth +25.8% +24.8% +20.6% +10.1% +7.7% −2.7% +10.9% +12.0% +1.5%
Net income 222.6 379.7 467.4 555.7 413.0 681.8 831.4 696.4 729.4 690.0
Growth +70.6% +23.1% +18.9% −25.7% +65.1% +21.9% −16.2% +4.7% −5.4%
EPS, diluted 2.41 3.99 4.77 5.66 3.88 6.11 7.72 6.50 6.85 6.90
Growth +65.6% +19.5% +18.7% −31.4% +57.5% +26.4% −15.8% +5.4% +0.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin48.6%Free cash flow margin59.2%Fiscal year 2017Net margin65.9%Free cash flow margin63.4%Fiscal year 2018Net margin65.0%Free cash flow margin86.4%Fiscal year 2019Net margin64.1%Free cash flow margin67.6%Fiscal year 2020Net margin43.2%Free cash flow margin76.0%Fiscal year 2021Net margin66.3%Free cash flow margin68.7%Fiscal year 2022Net margin83.1%Free cash flow margin58.4%Fiscal year 2023Net margin62.8%Free cash flow margin68.4%Fiscal year 2024Net margin58.7%Free cash flow margin68.8%Fiscal year 2025Net margin54.7%Free cash flow margin67.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 48.6% 65.9% 65.0% 64.1% 43.2% 66.3% 83.1% 62.8% 58.7% 54.7%
Free cash flow margin 59.2% 63.4% 86.4% 67.6% 76.0% 68.7% 58.4% 68.4% 68.8% 67.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow274.6Capital expenditure−3.2Free cash flow271.4Buybacks−4.0Fiscal year 2017Operating cash flow368.6Capital expenditure−2.8Free cash flow365.8 +34.8%Buybacks−7.6Dividends paid0.0Fiscal year 2018Operating cash flow625.3Capital expenditure−4.1Free cash flow621.3 +69.8%Buybacks−31.4Dividends paid0.0Fiscal year 2019Operating cash flow589.8Capital expenditure−3.4Free cash flow586.4 −5.6%Buybacks−9.0Dividends paid−29.3Fiscal year 2020Operating cash flow727.9Capital expenditure−2.4Free cash flow725.5 +23.7%Buybacks−6.4Dividends paid−69.4Fiscal year 2021Operating cash flow709.3Capital expenditure−2.5Free cash flow706.8 −2.6%Buybacks−163.9Dividends paid−77.7Fiscal year 2022Operating cash flow588.8Capital expenditure−4.0Free cash flow584.8 −17.3%Buybacks−97.9Dividends paid−92.1Fiscal year 2023Operating cash flow763.0Capital expenditure−4.0Free cash flow759.0 +29.8%Buybacks−70.7Dividends paid−106.2Fiscal year 2024Operating cash flow861.5Capital expenditure−6.8Free cash flow854.8 +12.6%Buybacks−111.5Dividends paid−118.0Fiscal year 2025Operating cash flow856.1Capital expenditure−7.4Free cash flow848.7 −0.7%Buybacks−587.7Dividends paid−122.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 274.6 368.6 625.3 589.8 727.9 709.3 588.8 763.0 861.5 856.1
Capital expenditure −3.2 −2.8 −4.1 −3.4 −2.4 −2.5 −4.0 −4.0 −6.8 −7.4
Free cash flow 271.4 365.8 621.3 586.4 725.5 706.8 584.8 759.0 854.8 848.7
Growth +34.8% +69.8% −5.6% +23.7% −2.6% −17.3% +29.8% +12.6% −0.7%
Buybacks −4.0 −7.6 −31.4 −9.0 −6.4 −163.9 −97.9 −70.7 −111.5 −587.7
Dividends paid n/a 0.0 0.0 −29.3 −69.4 −77.7 −92.1 −106.2 −118.0 −122.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash27.5Shareholders’ equity1,343.8Fiscal year 2017Cash43.5Shareholders’ equity1,940.4Fiscal year 2018Cash64.9Shareholders’ equity2,365.7Fiscal year 2019Cash71.4Shareholders’ equity2,984.8Fiscal year 2020Cash102.8Shareholders’ equity3,862.6Fiscal year 2021Cash81.5Shareholders’ equity4,236.1Fiscal year 2022Cash81.2Shareholders’ equity4,462.3Fiscal year 2023Cash141.8Shareholders’ equity5,102.6Fiscal year 2024Cash131.5Shareholders’ equity5,603.7Fiscal year 2025Cash123.0Shareholders’ equity5,756.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 27.5 43.5 64.9 71.4 102.8 81.5 81.2 141.8 131.5 123.0
Shareholders’ equity 1,343.8 1,940.4 2,365.7 2,984.8 3,862.6 4,236.1 4,462.3 5,102.6 5,603.7 5,756.7

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
68.1% 69.1% 76.0% 76.0% 51.3% 80.0% 98.7% 74.2% 68.8% 65.2%
48.6% 65.9% 65.0% 64.1% 43.2% 66.3% 83.1% 62.8% 58.7% 54.7%
59.2% 63.4% 86.4% 67.6% 76.0% 68.7% 58.4% 68.4% 68.8% 67.3%
Spending
0.7% 0.5% 0.6% 0.4% 0.3% 0.2% 0.4% 0.4% 0.5% 0.6%
28.6% 4.7% 14.5% 15.7% 15.7% 17.1% 15.9% 15.4% 14.7% 16.0%
Returns
16.6% 19.6% 19.8% 18.6% 10.7% 16.1% 18.6% 13.6% 13.0% 12.0%
11.8% 14.2% 14.8% 14.3% 7.9% 11.9% 14.5% 10.8% 10.3% 9.3%
Balance and payout
28.6% 27.4% 24.9% 22.9% 25.8% 26.0% 22.0% 20.6% 21.2% 22.6%
n/a 0.0% 0.0% 5.3% 16.8% 11.4% 11.1% 15.3% 16.2% 17.7%
1.5% 2.1% 5.1% 6.5% 10.4% 34.2% 32.5% 23.3% 26.9% 83.6%