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Essent Group Ltd (ESNT) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · INSURANCE - SPECIALTY · DATA UPDATED 2026-08-15

Essent Group Ltd (ESNT) operates in the INSURANCE - SPECIALTY industry and is headquartered in Hamilton, Bermuda with about 518 employees. Its market capitalization is roughly $6 billion. In the fiscal year ended 2025-12-31, ESNT reported $1.3B in revenue and $690M in net income.

Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors in the United States. It operates through two segments, Mortgage Insurance and Reinsurance.

Interactive charts & full statements → Open the ESNT valuation workbench →

ESNT Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31
Total Revenue	$1.3B	$1.3B	$1.3B	$1.1B	$1.0B	$1.0B	$955M	$868M	$719M	$577M	$458M	$353M	$239M	$131M	$49M	$14M	$6M
Gross Profit	$1.1B	$1.1B	$1.2B	$1.1B	$1.2B	$997M	$654M	$835M	$708M	$549M	$458M	$353M	$233M	$129M	$49M	$14M	$6M
Gross Margin %	85.0%	88.2%	93.6%	97.2%	117.2%	97.0%	68.5%	96.2%	98.4%	95.3%	100.0%	100.0%	97.4%	98.2%	100.0%	100.0%	100.0%
Operating Income (EBIT)	$821M	$822M	$855M	$823M	$988M	$822M	$490M	$659M	$547M	$399M	$312M	$228M	$136M	$58M	($14M)	($34M)	($28M)
Operating Margin %	62.0%	65.2%	67.5%	72.8%	97.0%	80.0%	51.3%	76.0%	76.0%	69.1%	68.1%	64.6%	56.8%	44.2%	-28.5%	-239.4%	-438.5%
Net Income	$681M	$690M	$729M	$696M	$831M	$682M	$413M	$556M	$467M	$380M	$223M	$157M	$88M	$65M	($14M)	($34M)	($28M)
Net Margin %	51.4%	54.7%	57.6%	61.6%	81.6%	66.3%	43.2%	64.0%	65.0%	65.9%	48.6%	44.5%	37.0%	49.8%	-27.8%	-233.2%	-437.7%
EBITDA	$857M	$860M	$897M	$858M	$1.0B	$834M	$502M	$673M	$560M	$408M	$316M	$232M	$138M	$60M	($14M)	($34M)	($28M)
Earnings Per Share (EPS)	$7.12	$6.90	$6.85	$6.50	$7.72	$6.11	$3.88	$5.66	$4.77	$3.99	$2.41	$1.72	$1.03	$3.61	$-0.35	$-0.87	$-0.72
Shares Outstanding (M)	91M	100M	107M	107M	108M	112M	106M	98M	98M	95M	92M	92M	86M	18M	38M	38M	38M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ESNT Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$363M	$330M	$312M	$319M	$326M	$324M	$339M	$317M
Gross Profit	$314M	$281M	$256M	$274M	$309M	$293M	$298M	$286M
Gross Margin %	86.5%	85.4%	82.0%	85.9%	94.8%	90.3%	87.9%	90.3%
Operating Income (EBIT)	$230M	$207M	$185M	$199M	$231M	$207M	$195M	$208M
Operating Margin %	63.5%	62.7%	59.1%	62.5%	70.9%	63.9%	57.5%	65.6%
Net Income	$190M	$172M	$155M	$164M	$195M	$175M	$168M	$176M
Net Margin %	52.3%	52.1%	49.6%	51.5%	59.9%	54.1%	49.5%	55.6%
EBITDA	$238M	$216M	$194M	$209M	$241M	$217M	$205M	$221M
Earnings Per Share (EPS)	$2.08	$1.82	$1.60	$1.62	$1.93	$1.69	$1.58	$1.65
Shares Outstanding (M)	91M	95M	97M	101M	101M	104M	106M	107M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ESNT Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31
Cash from Operations (CFO)	$834M	$856M	$862M	$763M	$589M	$709M	$728M	$590M	$625M	$369M	$273M	$224M	$154M	$119M	$37M	($8M)	($22M)
Capital Expenditures (CapEx)	$8M	$7M	$7M	$4M	$4M	$2M	$2M	$3M	$4M	$3M	$3M	$5M	$4M	$3M	$3M	$1M	$2M
Free Cash Flow (FCF)	$826M	$849M	$855M	$759M	$585M	$707M	$725M	$586M	$621M	$366M	$270M	$219M	$150M	$116M	$34M	($10M)	($24M)
FCF Margin %	62.4%	67.3%	67.5%	67.1%	57.4%	68.7%	75.9%	67.6%	86.4%	63.4%	59.0%	62.0%	62.6%	88.5%	69.7%	-66.1%	-377.6%
Dividends Paid	$124M	$122M	$118M	$106M	$92M	$78M	$69M	$29M	$29M	$200M	$29M	$0M	$0M	—	—	—	$2M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ESNT Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$197M	$192M	$229M	$216M	$190M	$222M	$227M	$229M
Capital Expenditures (CapEx)	$1M	$1M	$1M	$5M	$1M	$0M	$11M	$1M
Free Cash Flow (FCF)	$196M	$191M	$228M	$211M	$189M	$221M	$216M	$229M
FCF Margin %	54.1%	58.0%	73.0%	66.1%	57.9%	68.3%	63.7%	72.2%
Dividends Paid	$32M	$33M	$29M	$30M	$31M	$32M	$29M	$29M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ESNT Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31
Total Assets	$7.6B	$7.4B	$7.1B	$6.4B	$5.7B	$5.7B	$5.2B	$3.9B	$3.1B	$2.7B	$1.9B	$1.5B	$1.2B	$854M	$283M	$210M
Cash & Cash Equivalents	$74M	$123M	$131M	$142M	$81M	$81M	$103M	$71M	$65M	$44M	$28M	$25M	$24M	$478M	$22M	$19M
Total Liabilities	$1.9B	$1.7B	$1.5B	$1.3B	$1.3B	$1.5B	$1.3B	$889M	$784M	$734M	$539M	$350M	$226M	$132M	$64M	$34M
Total Debt (Short + Long-Term)	$496M	$501M	$500M	$5M	$4M	$3M	$643M	$448M	$447M	$497M	$200M	$100M	$100M	$200M	$10M	$15M
Total Shareholders' Equity	$5.7B	$5.8B	$5.6B	$5.1B	$4.5B	$4.2B	$3.9B	$3.0B	$2.4B	$1.9B	$1.3B	$1.1B	$956M	$722M	$219M	$176M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive ESNT viewer.

Other Companies in INSURANCE - SPECIALTY

AXS · AXIS Capital Holdings Ltd — $7 billion
FAF · First American Corporation — $7 billion
ACT · Enact Holdings Inc — $7 billion
MTG · MGIC Investment Corp — $6 billion
RDN · Radian Group Inc — $5 billion
NMIH · NMI Holdings Inc — $3 billion
AGO · Assured Guaranty Ltd — $3 billion
EIG · Employers Holdings Inc — $880 million

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