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ESNT Financials Essent Group Ltd.

14 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 5.7% per year over the past 5 years.
  • Net income has grown faster than revenue (10.8% vs 5.7% per year).
  • Free cash flow has grown 3.2% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 7 consecutive years, consuming 17.7% of earnings and 14.4% of free cash flow.
  • The dividend has grown 12.0% per year over the past 5 years.
Revenue & net income
-$14M $624M $1B $0 2012 2014 2016 2018 2020 2022 2024
RevenueNet income
Margins (gross / operating / net)
-28% 28% 83% 0% 2012 2014 2016 2018 2020 2022 2024
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $427M $855M 2012 2014 2016 2018 2020 2022 2024
Free cash flow
Cash vs total debt
$0 $71M $142M 2012 2014 2016 2018 2020 2022 2024
CashTotal debt
Cash flow: operating / investing / financing
-$1B -$146M $862M $0 2012 2014 2016 2018 2020 2022 2024
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $1.3B $690M 0.0% 0.0% $849M $123M
2024 $1.2B $729M 0.0% 0.0% $855M $131M
2023 $1.1B $696M 0.0% 0.0% $759M $142M
2022 $1.0B $831M 0.0% 0.0% $585M $81M
2021 $1.0B $682M 0.0% 0.0% $707M $81M
2020 $955M $413M 0.0% 0.0% $725M $103M
2019 $868M $556M 0.0% 0.0% $586M $71M
2018 $719M $467M 0.0% 0.0% $621M $65M
2017 $577M $380M 0.0% 0.0% $366M $44M
2016 $458M $223M 0.0% 0.0% $271M $28M
2015 $353M $157M 0.0% 0.0% $222M
2014 $239M $88M 0.0% 0.0% $150M
2013 $131M $65M 0.0% 0.0% $116M
2012 $49M -$14M 0.0% 0.0%

Valuation over time

How the market has priced ESNT against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 4.3 8.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 2.7 5.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 1.2 2.5 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is ESNT growing its revenue and profit?

Over the past 5 years, Essent Group Ltd.'s revenue has grown 5.7% per year, and net income grown 10.8% per year. These are computed facts, not advice.

How much debt does ESNT have?

As of FY2025, Essent Group Ltd. reported — of total debt against $123M of cash.

What is ESNT's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 54.7%.

What is ESNT's P/E ratio?

As of Jun '26, Essent Group Ltd. traded at a price-to-earnings ratio of about 8.3× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.