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
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
$1.3B
$690M
0.0%
0.0%
12.0%
9.3%
$849M
—
$123M
2024
$1.2B
$729M
0.0%
0.0%
13.0%
10.3%
$855M
—
$131M
2023
$1.1B
$696M
0.0%
0.0%
13.6%
10.8%
$759M
—
$142M
2022
$1.0B
$831M
0.0%
0.0%
18.6%
14.5%
$585M
—
$81M
2021
$1.0B
$682M
0.0%
0.0%
16.1%
11.9%
$707M
—
$81M
2020
$955M
$413M
0.0%
0.0%
10.7%
7.9%
$725M
—
$103M
2019
$868M
$556M
0.0%
0.0%
18.6%
14.3%
$586M
—
$71M
2018
$719M
$467M
0.0%
0.0%
19.8%
14.8%
$621M
—
$65M
2017
$577M
$380M
0.0%
0.0%
19.6%
14.2%
$366M
—
$44M
2016
$458M
$223M
0.0%
0.0%
16.6%
11.8%
$271M
—
$28M
2015
$353M
$157M
0.0%
0.0%
14.1%
10.7%
$222M
—
—
2014
$239M
$88M
0.0%
0.0%
9.3%
7.5%
$150M
—
—
2013
$131M
$65M
0.0%
0.0%
9.1%
7.7%
$116M
—
—
2012
$49M
-$14M
0.0%
0.0%
-6.2%
—
—
—
—
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
$363M
$190M
0.0%
0.0%
3.3%
2.5%
$196M
—
$74M
Mar '26
$336M
$172M
0.0%
0.0%
3.0%
2.3%
$191M
—
$128M
Dec '25
$312M
$155M
0.0%
0.0%
2.7%
2.1%
$228M
—
$123M
Sep '25
$312M
$164M
0.0%
0.0%
2.9%
2.2%
$211M
—
$91M
Jun '25
$319M
$195M
0.0%
0.0%
3.4%
2.7%
$189M
—
$92M
Mar '25
$318M
$175M
0.0%
0.0%
3.1%
2.4%
$221M
—
$208M
Dec '24
$315M
$168M
0.0%
0.0%
3.0%
2.4%
$226M
—
$131M
Sep '24
$317M
$176M
0.0%
0.0%
3.1%
2.5%
$229M
—
$109M
Jun '24
$313M
$204M
0.0%
0.0%
3.8%
3.0%
$188M
—
$197M
Mar '24
$298M
$182M
0.0%
0.0%
3.5%
2.8%
$212M
—
$164M
Dec '23
$297M
$175M
0.0%
0.0%
3.4%
2.7%
$213M
—
$142M
Sep '23
$296M
$178M
0.0%
0.0%
3.7%
2.9%
$194M
—
$97M
Jun '23
$260M
$172M
0.0%
0.0%
3.6%
2.9%
$167M
—
$68M
Mar '23
$256M
$171M
0.0%
0.0%
3.7%
2.9%
$184M
—
$69M
Dec '22
$230M
$147M
0.0%
0.0%
3.3%
2.6%
$171M
—
$81M
Sep '22
$262M
$178M
0.0%
0.0%
4.1%
3.2%
$172M
—
$79M
Jun '22
$244M
$232M
0.0%
0.0%
5.4%
4.2%
$62M
—
$78M
Mar '22
$265M
$274M
0.0%
24.1%
6.5%
4.9%
$180M
—
$204M
Dec '21
$257M
$181M
0.0%
0.0%
4.3%
3.2%
$190M
—
$81M
Sep '21
$284M
$205M
0.0%
0.0%
4.9%
3.7%
$177M
—
$66M
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.
The price-to-earnings ratio has risen from 4.3× (Mar '23) to 9.1× (Sep '26).
The price-to-sales ratio has risen from 3.6× (Mar '23) to 5.0× (Sep '26).
The dividend yield has fallen from 2.6% (Mar '23) to 2.0% (Sep '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
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 Sep '26, Essent Group Ltd. traded at a price-to-earnings ratio of about 9.1× (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.