Essent Group Ltd.ESNTNYSE

Revenue (LTM)

$1.3B

-0.5% YoY

Net Income (LTM)

$690M

-5.4% YoY

Free Cash Flow

$849M

Revenue CAGR (5Y)

+5.7%

Marginsdeclining

FCF$0.8B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	1,029	1,018↓1.0%	1,131↑11.1%	1,267↑12.0%	1,261↓0.5%
Gross Profit	997	1,193↑19.6%	1,100↓7.8%	1,186↑7.9%	1,112↓6.3%
Operating Income	822	988↑20.2%	823↓16.7%	855↑3.9%	822↓3.9%
Net Income	682	831↑21.9%	696↓16.2%	729↑4.7%	690↓5.4%
EBITDA	834	1,007↑20.7%	858↓14.8%	897↑4.5%	860↓4.1%
EPS Diluted	6.11	7.72↑26.4%	6.50↓15.8%	6.85↑5.4%	6.90↑0.7%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	81	81↓0.3%	142↑74.5%	131↓7.3%	123↓6.4%
Total Current Assets	5,091	391↓92.3%	205↓47.5%	0	174
Total Assets	5,722	5,724↑0.0%	6,427↑12.3%	7,112↑10.7%	7,441↑4.6%
Total Current Liabilities	420	418↓0.3%	500↑19.5%	0	513
Total Liabilities	1,486	1,261↓15.1%	1,324↑5.0%	1,508↑13.9%	1,684↑11.7%
Total Equity	4,236	4,462↑5.3%	5,103↑14.3%	5,604↑9.8%	5,757↑2.7%
Total Debt	420	421↑0.2%	422↑0.3%	494↑17.1%	563↑13.9%
Net Debt	338	340↑0.4%	280↓17.5%	362↑29.4%	440↑21.3%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	709	589↓17.0%	763↑29.6%	862↑12.9%	856↓0.6%
Capital Expenditure	-2	-4↓59.4%	-4↓0.5%	-7↓69.1%	-7↓8.8%
Free Cash Flow	707	585↓17.3%	759↑29.8%	855↑12.6%	849↓0.7%
Stock-Based Comp	21	18↓11.8%	18↑0.4%	25↑34.3%	0
Net Change in Cash	-21	-0↑98.8%	61↑24222.3%	-10↓117.0%	-8↑18.2%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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