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%
Essent statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Surety Insurance companies for comparison
Valuation
| Measure | Essent | Industry median |
|---|---|---|
| Market Cap | $5.85B | $3.25B |
| Enterprise Value | $5.77B | $2.52B |
| PE Ratio | 9.07 | 10.26 |
| PS Ratio | 4.42 | 1.07 |
| PB Ratio | 1.03 | 1.48 |
| P/TBV Ratio | 1.03 | 1.57 |
| P/FCF Ratio | 7.08 | 7.95 |
| P/OCF Ratio | 7.01 | 7.16 |
Enterprise value
| Measure | Essent | Industry median |
|---|---|---|
| EV / Sales | 4.36 | 0.93 |
| EV / EBITDA | 6.73 | 6.24 |
| EV / FCF | 6.99 | 7.33 |
Income (trailing twelve months)
| Measure | Essent | Industry median |
|---|---|---|
| Revenue | $1.32B | $4.57B |
| Pretax Income | $820.73M | $589.53M |
| Net Income | $680.71M | $470.80M |
| EBITDA | $858.38M | $657.96M |
| EPS (Diluted) | $7.17 | $4.81 |
Margins
| Measure | Essent | Industry median |
|---|---|---|
| Pretax Margin | 62.0% | 13.7% |
| Profit Margin | 51.5% | 10.7% |
| EBITDA Margin | 64.9% | 13.5% |
| FCF Margin | 62.4% | 17.5% |
Returns
| Measure | Essent | Industry median |
|---|---|---|
| Return on Equity (ROE) | 12.0% | 14.0% |
| Return on Assets (ROA) | 9.19% | 3.35% |
Growth
| Measure | Essent | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 4.31% | 7.97% |
| Net Income Growth (YoY) | -4.78% | 25.1% |
| EPS Growth (YoY) | 4.67% | 27.7% |
| FCF Growth (YoY) | -4.50% | 7.71% |
| Revenue Growth (3Y CAGR) | 8.01% | 9.53% |
| Revenue Growth (5Y CAGR) | 5.71% | 8.29% |
| EPS Growth (3Y CAGR) | -3.67% | 15.9% |
| EPS Growth (5Y CAGR) | 12.2% | 15.2% |
Balance sheet
| Measure | Essent | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $74.33M | $520.88M |
| Net Cash (Debt) | $74.33M | $309.26M |
| Net Cash Per Share | $0.83 | $5.42 |
| Equity (Book Value) | $5.66B | $3.63B |
| Book Value Per Share | $63.01 | $41.34 |
| Tangible Book Value | $5.66B | $2.59B |
Cash flow (trailing twelve months)
| Measure | Essent | Industry median |
|---|---|---|
| Operating Cash Flow | $834.08M | $698.90M |
| Capital Expenditures | -$8.19M | -$11.90M |
| Free Cash Flow | $825.89M | $661.55M |
| FCF Per Share | $9.19 | $8.91 |
Efficiency
| Measure | Essent | Industry median |
|---|---|---|
| Asset Turnover | 0.18 | 0.27 |
| Revenue Per Employee | $2.57M | $1.73M |
| Profits Per Employee | $1.32M | $213.95K |
| Employee Count | 514 | 1,341 |
Dividends and yields
| Measure | Essent | Industry median |
|---|---|---|
| Earnings Yield | 11.6% | 9.56% |
| FCF Yield | 14.1% | 12.5% |
| Dividend Yield | 1.91% | 2.02% |
| Buyback Yield | 10.4% | 2.89% |
| Shareholder Yield | 12.4% | 4.63% |
| Dividend Per Share | $1.24 | $1.75 |
| Dividend Growth (YoY) | 10.7% | 4.86% |
| Years of Dividend Growth | 6 | 3 |
| Payout Ratio | 18.2% | 19.5% |
| FCF Payout Ratio | 15.0% | 16.0% |
Shares
| Measure | Essent | Industry median |
|---|---|---|
| Shares Outstanding | 89,876,500 | 65,596,200 |
| Shares Change (YoY) | -8.75% | -1.19% |
| Shares Change (QoQ) | -3.43% | -0.33% |
| Float | 86,543,900 | 56,719,400 |
| Shares Held by Insiders | 3.71% | 3.34% |
| Shares Held by Institutions | 96.7% | 85.3% |
Taxes
| Measure | Essent | Industry median |
|---|---|---|
| Income Tax | $140.02M | $105.00M |
| Effective Tax Rate | 17.1% | 19.8% |
Scores
| Measure | Essent | Industry median |
|---|---|---|
| Graham Number | $100.83 | $78.10 |
| Graham Upside | 55.0% | 21.2% |
| Altman Z-Score | 3.02 | 0.89 |
| Piotroski F-Score | 5 | 5 |
Calculated by StockData from Essent's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.