Essent Group financials
$63.24−0.32%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $983.7M | $990.9M | $916.9M | $842.5M | $872.5M | $862.6M | $777.4M | $649.5M | $530.1M | $422.7M |
| Gross profit | $983.7M | $990.9M | $916.9M | $842.5M | $872.5M | $862.6M | $777.4M | $649.5M | $530.1M | $422.7M |
| Gross margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating income | $577.3M | $638.8M | $660.3M | $845.5M | $674.6M | $406.6M | $579.1M | $487.0M | $357.4M | $276.8M |
| Net income | $690.0M | $729.4M | $696.4M | $831.4M | $681.8M | $413.0M | $555.7M | $467.4M | $379.7M | $222.6M |
| Net margin | 70.1% | 73.6% | 75.9% | 98.7% | 78.1% | 47.9% | 71.5% | 72.0% | 71.6% | 52.7% |
| Diluted EPS | $6.90 | $6.85 | $6.50 | $7.72 | $6.11 | $3.88 | $5.66 | $4.77 | $3.99 | $2.41 |
| EBITDA | $597.0M | $664.8M | $679.7M | $866.9M | $711.7M | $433.3M | $598.6M | $504.6M | $373.3M | $291.3M |
| Operating cash flow | $856.1M | $861.5M | $763.0M | $588.8M | $709.3M | $727.9M | $589.8M | $625.3M | $368.6M | $274.6M |
| Free cash flow | $848.7M | $854.8M | $759.0M | $584.8M | $706.8M | $725.5M | $586.4M | $621.3M | $365.8M | $271.4M |
| Diluted shares | 100.0M | 106.6M | 107.1M | 107.7M | 111.6M | 106.4M | 98.2M | 98.0M | 95.2M | 92.2M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $123.0M | $131.5M | $141.8M | $81.2M | $81.5M | $102.8M |
| Short-term investments | $6.10B | $43.7M | $5.30B | $4.77B | $4.99B | $4.59B |
| Total debt | $495.3M | $494.0M | $421.9M | $420.9M | $419.8M | $321.7M |
| Total assets | $7.44B | $7.11B | $6.43B | $5.72B | $5.72B | $5.20B |
| Total liabilities | $1.68B | $1.51B | $1.32B | $1.26B | $1.49B | $1.34B |
| Shareholders' equity | $5.76B | $5.60B | $5.10B | $4.46B | $4.24B | $3.86B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology