ESNTNYSESurety InsuranceFiscal year ends December 31
Essent Group Ltd.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$65.06+0.36 (+0.56%)
Close on Oct 19, 2026
- Market cap
- $5.95B
- P/E (TTM)
- 9.1
- Dividend yield
- 1.91%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
54.7%+11.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +1.5% | +8.0% | +5.7% | +13.6% | |
| Net income | -5.4% | -6.0% | +10.8% | +15.9% | |
| EPS, diluted | +0.7% | -3.7% | +12.2% | +14.9% | |
| Free cash flow | -0.7% | +13.2% | +3.2% | +14.4% | |
| Dividend per share | +10.7% | +13.0% | +14.1% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 18.1% | 12.1% | 12.1% | |
| Return on assets | 13.3% | 9.1% | 9.5% | |
| Capex to revenue | 0.7% | 0.3% | 0.6% | |
| Diluted shares | 92M | 106M | 100M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Essent generated $3.78B from operations and spent $1.57B on capital expenditure, dividends and share buybacks. 2% of that went back into the business.
Generated
$3.78B
Used
$1.57B
Capital expenditure$24.61M2%Dividends$516.18M33%Share buybacks$1.03B66%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin54.7%
×Asset turnover0.17×
×Equity multiplier1.28×
=Return on equity, FY202512.1%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 54.7% | 0.17× | 1.28× | 12.1% |
| FY2024 | 58.7% | 0.18× | 1.26× | 13.6% |
| FY2023 | 62.8% | 0.18× | 1.27× | 14.6% |
| FY2022 | 83.1% | 0.17× | 1.32× | 19.1% |
| FY2021 | 66.3% | 0.19× | 1.35× | 16.8% |
| FY2020 | 43.2% | 0.21× | 1.33× | 12.1% |
| FY2019 | 64.1% | 0.25× | 1.31× | 20.8% |
| FY2018 | 65.0% | 0.25× | 1.35× | 21.7% |
| FY2017 | 65.9% | 0.25× | 1.39× | 23.1% |
| FY2016 | 48.6% | 0.27× | 1.36× | 18.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$689.97M
- Cash generatingOperating cash flow above zero$856.05M
- Return on assets improvedROA up on the prior year11.3% → 9.7%
- Earnings backed by cashOperating cash flow above net income$856.05M vs $689.97M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise107M → 100M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.19 → 0.18