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Essent Group (ESNT) Financials

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$57.97 +0.08 (+0.14%)
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Annual Income Statements for Essent Group

Annual Income Statements for Essent Group

This table shows Essent Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 729 696 831 682 413 556 467 380 223 157
Consolidated Net Income / (Loss)		 729 696 831 682 413 556 467 380 223 157
Net Income / (Loss) Continuing Operations		 729 696 831 682 413 556 467 380 223 157
Total Pre-Tax Income 		855 823 988 822 490 659 547 399 312 228
Total Revenue		 1,208 1,080 985 1,020 946 858 709 571 458 353
Net Interest Income / (Expense)		 -35 -30 -16 -8.28 -9.07 -10 -10 -5.18 -0.43 0.00
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 35 30 16 8.28 9.07 10 10 5.18 0.43 0.00
Long-Term Debt Interest Expense		 35 30 16 8.28 9.07 10 10 5.18 0.43 0.00
Total Non-Interest Income		 1,243 1,110 1,001 1,029 955 868 719 577 458 353
Other Service Charges		 25 25 18 10 10 3.57 4.45 4.14 5.73 4.38
Net Realized & Unrealized Capital Gains on Investments		 227 168 140 146 83 87 65 42 30 22
Premiums Earned		 991 917 843 873 863 777 649 530 423 326
Total Non-Interest Expense		 352 257 -2.97 198 456 198 162 173 146 125
Property & Liability Insurance Claims		 81 32 -175 31 301 33 12 27 16 12
Insurance Policy Acquisition Costs		 271 225 172 167 155 165 151 146 130 113
Income Tax Expense		 126 127 157 141 77 103 79 19 89 71
Basic Earnings per Share		 $6.92 $6.56 $7.75 $6.13 $3.89 $5.68 $4.80 $4.07 $2.45 $1.74
Weighted Average Basic Shares Outstanding		 105.39M 106.22M 107.21M 111.16M 106.10M 97.76M 97.40M 93.33M 90.91M 90.35M
Diluted Earnings per Share		 $6.85 $6.50 $7.72 $6.11 $3.88 $5.66 $4.77 $3.99 $2.41 $1.72
Weighted Average Diluted Shares Outstanding		 106.55M 107.13M 107.65M 111.56M 106.38M 98.23M 97.97M 95.21M 92.25M 91.74M
Weighted Average Basic & Diluted Shares Outstanding		 103.84M 106.87M 108.10M 108.78M 112.84M 98.45M 97.40M 93.30M 90.90M 90.40M
Cash Dividends to Common per Share		 $1.12 $1.00 $0.86 $0.70 $0.64 $0.30 - - - -

Quarterly Income Statements for Essent Group

This table shows Essent Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 168 176 204 182 175 178 172 171 147 178
Consolidated Net Income / (Loss)		 168 176 204 182 175 178 172 171 147 178
Net Income / (Loss) Continuing Operations		 168 176 204 182 175 178 172 171 147 178
Total Pre-Tax Income 		195 208 239 214 203 209 209 201 173 211
Total Revenue		 307 305 305 290 289 288 253 249 224 257
Net Interest Income / (Expense)		 -8.15 -11 -7.85 -7.86 -7.95 -7.85 -7.39 -6.94 -6.05 -4.45
Total Interest Expense		 8.15 11 7.85 7.86 7.95 7.85 7.39 6.94 6.05 4.45
Long-Term Debt Interest Expense		 8.15 11 7.85 7.86 7.95 7.85 7.39 6.94 6.05 4.45
Total Non-Interest Income		 315 317 313 298 297 296 260 256 230 262
Other Service Charges		 7.23 7.41 6.55 3.74 6.40 5.61 8.09 4.94 -1.89 11
Net Realized & Unrealized Capital Gains on Investments		 63 60 55 49 45 44 39 40 25 42
Premiums Earned		 244 249 252 246 246 247 213 211 207 208
Total Non-Interest Expense		 112 98 66 77 86 79 43 48 51 46
Property & Liability Insurance Claims		 41 31 -0.33 9.91 20 11 1.26 -0.18 - -
Insurance Policy Acquisition Costs		 100 57 56 57 80 55 42 48 47 42
Income Tax Expense		 27 31 36 32 28 31 37 30 26 33
Basic Earnings per Share		 $1.60 $1.67 $1.93 $1.72 $1.66 $1.68 $1.62 $1.60 $1.38 $1.67
Weighted Average Basic Shares Outstanding		 105.39M 105.27M 105.66M 105.70M 106.22M 105.98M 106.25M 106.94M 107.21M 106.87M
Diluted Earnings per Share		 $1.59 $1.65 $1.91 $1.70 $1.64 $1.66 $1.61 $1.59 $1.38 $1.66
Weighted Average Diluted Shares Outstanding		 106.55M 106.55M 106.78M 106.77M 107.13M 107.03M 107.09M 107.59M 107.65M 107.34M
Weighted Average Basic & Diluted Shares Outstanding		 103.84M 106.21M 106.25M 106.67M 106.87M 106.76M 106.99M 107.26M 108.10M 107.71M

Annual Cash Flow Statements for Essent Group

This table details how cash moves in and out of Essent Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 -10 61 -0.25 -21 31 6.40 21 16 2.93 0.20
Net Cash From Operating Activities		 862 763 589 709 728 590 625 369 275 227
Net Cash From Continuing Operating Activities		 862 763 589 709 728 590 625 369 275 227
Net Income / (Loss) Continuing Operations		 729 696 831 682 413 556 467 380 223 157
Consolidated Net Income / (Loss)		 729 696 831 682 413 556 467 380 223 157
Depreciation Expense		 5.78 4.53 3.02 3.38 3.33 3.77 3.40 3.92 4.06 3.22
Amortization Expense		 20 15 18 34 23 16 14 12 10 10
Non-Cash Adjustments to Reconcile Net Income		 66 31 75 74 56 74 65 -2.76 73 63
Changes in Operating Assets and Liabilities, net		 40 16 -339 -83 232 -59 76 -24 -35 -7.23
Net Cash From Investing Activities		 -707 -526 -399 -583 -1,154 -545 -547 -690 -365 -221
Net Cash From Continuing Investing Activities		 -707 -526 -399 -583 -1,154 -545 -547 -690 -365 -221
Purchase of Property, Leasehold Improvements and Equipment		 -6.77 -4.00 -3.98 -2.50 -2.45 -3.41 -4.05 -2.78 -3.16 -4.96
Purchase of Investment Securities		 -1,533 -1,243 -1,453 -1,924 -1,592 -1,095 -999 -833 -657 -674
Sale and/or Maturity of Investments		 833 721 1,058 1,344 440 553 456 146 295 458
Net Cash From Financing Activities		 -165 -177 -190 -147 458 -38 -57 338 94 -5.65
Net Cash From Continuing Financing Activities		 -165 -177 -190 -147 458 -38 -57 338 94 -5.65
Issuance of Debt		 498 0.00 0.00 225 200 0.00 15 200 100 0.00
Repayment of Debt		 -433 0.00 -0.15 -131 -106 -0.02 -41 -53 -2.44 0.00
Repurchase of Common Equity		 -112 -71 -98 -164 -6.35 -9.01 -31 -7.58 -4.02 -5.17
Payment of Dividends		 -118 -106 -92 -78 -69 -29 0.00 0.00 - -
Cash Interest Paid		 17 29 14 6.95 8.26 9.86 9.45 4.69 0.32 0.00
Cash Income Taxes Paid		 93 140 98 56 39 42 29 40 31 16

Quarterly Cash Flow Statements for Essent Group

This table details how cash moves in and out of Essent Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 22 -88 33 22 45 29 -0.53 -13 1.77 1.62
Net Cash From Operating Activities		 227 229 189 217 215 195 168 185 172 173
Net Cash From Continuing Operating Activities		 227 229 189 217 215 195 168 185 172 173
Net Income / (Loss) Continuing Operations		 168 176 204 182 175 178 172 171 147 178
Consolidated Net Income / (Loss)		 168 176 204 182 175 178 172 171 147 178
Depreciation Expense		 1.43 1.49 1.47 1.39 1.34 1.74 0.74 0.70 0.79 0.74
Amortization Expense		 5.28 5.28 5.13 4.54 4.46 3.74 3.50 3.20 3.69 4.20
Non-Cash Adjustments to Reconcile Net Income		 7.11 16 21 21 20 23 -38 26 30 11
Changes in Operating Assets and Liabilities, net		 45 30 -43 8.28 14 -12 29 -16 -9.31 -21
Net Cash From Investing Activities		 -108 -344 -104 -151 -129 -135 -112 -149 -146 -147
Net Cash From Continuing Investing Activities		 -108 -344 -104 -151 -129 -135 -112 -149 -146 -147
Purchase of Property, Leasehold Improvements and Equipment		 -0.72 -0.50 -1.06 -4.48 -2.16 -1.05 -0.41 -0.39 -1.47 -0.86
Purchase of Investment Securities		 -410 -1,046 -6.92 -69 -268 -106 -69 -800 -362 -284
Sale and/or Maturity of Investments		 303 703 -96 -77 141 -28 -43 651 217 137
Net Cash From Financing Activities		 -97 26 -52 -43 -41 -32 -56 -48 -25 -24
Net Cash From Continuing Financing Activities		 -97 26 -52 -43 -41 -32 -56 -48 -25 -24
Repayment of Debt		 -0.89 - - - - - - - - -
Repurchase of Common Equity		 -66 -9.65 -22 -14 -15 -5.04 -30 -21 -0.14 -0.02
Payment of Dividends		 -29 -29 -30 -30 -26 -26 -27 -27 -25 -24
Cash Income Taxes Paid		 20 21 51 0.62 86 19 35 0.00 25 24

Annual Balance Sheets for Essent Group

This table presents Essent Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 7,112 6,427 5,724 5,722 5,203 3,873 3,150 2,674 1,883 1,469
Cash and Due from Banks		 131 142 81 81 103 71 65 44 28 25
Trading Account Securities		 6,181 5,541 5,000 5,133 4,654 3,430 2,637 1,993 1,483 1,191
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 44 36 33 27 20 19 18 13 9.49 7.77
Premises and Equipment, Net		 42 41 20 12 15 17 7.63 6.98 8.12 9.02
Mortgage Servicing Rights		 490 471 418 361 303 262 202 252 181 119
Deferred Acquisition Cost		 9.65 9.14 9.91 12 17 16 16 15 13 12
Intangible Assets		 80 73 0.00 - - - - - - -
Other Assets		 135 114 162 96 91 59 205 351 160 106
Total Liabilities & Shareholders' Equity		 7,112 6,427 5,724 5,722 5,203 3,873 3,150 2,674 1,883 1,469
Total Liabilities		 1,508 1,324 1,261 1,486 1,340 889 784 734 539 350
Short-Term Debt		 0.00 422 421 420 322 224 224 249 100 0.00
Long-Term Debt		 494 0.00 - - - - - - - -
Claims and Claim Expense		 329 260 216 407 375 69 49 47 28 18
Unearned Premiums Liability		 116 140 163 185 250 279 295 260 220 201
Other Long-Term Liabilities		 569 502 461 473 393 316 216 179 191 131
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 5,604 5,103 4,462 4,236 3,863 2,985 2,366 1,940 1,344 1,119
Total Preferred & Common Equity		 5,604 5,103 4,462 4,236 3,863 2,985 2,366 1,940 1,344 1,119
Total Common Equity		 5,604 5,103 4,462 4,236 3,863 2,985 2,366 1,940 1,344 1,119
Common Stock		 1,217 1,301 1,352 1,431 1,573 1,120 1,112 1,129 920 906
Retained Earnings		 4,691 4,082 3,493 2,755 2,152 1,809 1,282 815 436 214
Accumulated Other Comprehensive Income / (Loss)		 -304 -280 -383 51 138 56 -29 -3.25 -12 -0.10

Quarterly Balance Sheets for Essent Group

This table presents Essent Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 7,127 6,693 6,565 6,094 5,983 5,928 5,557
Cash and Due from Banks		 109 197 164 97 68 69 79
Trading Account Securities		 6,245 5,738 5,649 5,270 5,289 5,205 4,848
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 40 36 36 37 36 37 30
Premises and Equipment, Net		 41 43 44 41 31 19 20
Mortgage Servicing Rights		 494 487 467 461 446 418 406
Deferred Acquisition Cost		 9.49 9.20 8.98 9.38 9.46 9.51 10
Intangible Assets		 70 70 72 64 - - -
Other Assets		 116 112 124 115 103 170 164
Total Liabilities & Shareholders' Equity		 7,127 6,693 6,565 6,094 5,983 5,928 5,557
Total Liabilities		 1,486 1,313 1,339 1,286 1,250 1,279 1,263
Short-Term Debt		 494 422 422 422 421 421 421
Claims and Claim Expense		 288 261 267 241 217 216 212
Unearned Premiums Liability		 121 127 133 148 154 158 169
Other Long-Term Liabilities		 583 503 516 475 458 484 460
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 5,641 5,380 5,226 4,808 4,733 4,649 4,294
Total Preferred & Common Equity		 5,641 5,380 5,226 4,808 4,733 4,649 4,294
Total Common Equity		 5,641 5,380 5,226 4,808 4,733 4,649 4,294
Common Stock		 1,278 1,281 1,295 1,311 1,311 1,336 1,347
Retained Earnings		 4,553 4,407 4,233 3,933 3,782 3,637 3,371
Accumulated Other Comprehensive Income / (Loss)		 -190 -308 -302 -436 -360 -324 -424

Annual Metrics And Ratios for Essent Group

This table displays calculated financial ratios and metrics derived from Essent Group's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 11.85% 9.58% -3.43% 7.84% 10.32% 20.93% 24.13% 24.79% 29.59% 47.53%
EBITDA Growth		 4.64% -16.56% 17.47% 66.29% -23.86% 20.28% 36.14% 26.99% 35.10% 66.37%
EBIT Growth		 3.95% -16.72% 20.17% 67.79% -25.66% 20.59% 37.17% 27.79% 36.55% 68.03%
NOPAT Growth		 4.74% -16.23% 21.94% 65.06% -25.67% 18.90% 23.07% 70.59% 41.49% 77.78%
Net Income Growth		 4.74% -16.23% 21.94% 65.06% -25.67% 18.90% 23.07% 70.59% 41.49% 77.78%
EPS Growth		 5.38% -15.80% 26.35% 57.47% -31.45% 18.66% 19.55% 65.56% 40.12% 66.99%
Operating Cash Flow Growth		 12.91% 29.58% -16.98% -2.57% 23.41% -5.67% 69.66% 34.24% 21.19% 47.40%
Free Cash Flow Firm Growth		 183.64% -90.88% 187.40% 137.39% -778.65% -195.49% 118.33% -258.60% -1,551.43% 95.75%
Invested Capital Growth		 10.37% 13.13% 4.88% 11.27% 30.39% 23.93% 18.29% 51.62% 29.00% 17.11%
Revenue Q/Q Growth		 1.47% 6.44% -3.03% 0.97% 1.97% 4.41% 4.61% 6.19% 6.64% 7.53%
EBITDA Q/Q Growth		 -0.80% 3.86% -4.61% 9.42% -5.02% 3.53% 9.05% 4.78% 7.74% 9.25%
EBIT Q/Q Growth		 -0.93% 3.78% -4.27% 9.43% -5.48% 3.54% 9.34% 4.74% 8.21% 9.39%
NOPAT Q/Q Growth		 -1.01% 4.19% -3.89% 9.19% -5.35% 3.43% -6.80% 35.72% 8.91% 11.02%
Net Income Q/Q Growth		 -1.01% 4.19% -3.89% 9.19% -5.35% 3.43% -6.80% 35.72% 8.91% 11.02%
EPS Q/Q Growth		 -0.72% 4.17% -3.26% 9.69% -9.35% 3.28% -7.02% 33.89% 8.07% 10.26%
Operating Cash Flow Q/Q Growth		 1.32% 5.99% -3.08% 1.67% 1.98% 4.59% 3.79% 12.82% 2.73% 7.21%
Free Cash Flow Firm Q/Q Growth		 192.94% -64.12% -5.72% -31.08% 14.23% 38.09% 296.36% -16.39% -28.08% 95.58%
Invested Capital Q/Q Growth		 -0.60% 5.64% 3.57% 3.68% 0.32% 4.22% 6.18% 12.02% 6.14% 4.00%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 73.00% 78.03% 102.47% 84.24% 54.63% 79.15% 79.57% 72.55% 71.30% 68.39%
EBIT Margin		 70.84% 76.23% 100.30% 80.60% 51.80% 76.87% 77.09% 69.76% 68.12% 64.65%
Profit (Net Income) Margin		 60.40% 64.50% 84.38% 66.83% 43.66% 64.80% 65.90% 66.47% 48.62% 44.53%
Tax Burden Percent		 85.26% 84.62% 84.13% 82.91% 84.28% 84.32% 85.49% 95.28% 71.38% 68.88%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 99.97% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 14.74% 15.38% 15.87% 17.09% 15.72% 15.68% 14.51% 4.72% 28.62% 31.12%
Return on Invested Capital (ROIC)		 12.55% 13.38% 17.43% 15.42% 11.17% 19.17% 19.56% 20.91% 17.37% 15.16%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.55% 13.38% 17.43% 15.42% 11.17% 19.17% 19.56% 20.91% 17.37% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 1.07% 1.18% 1.68% 1.41% 0.89% 1.60% 2.15% 2.22% 0.71% 0.00%
Return on Equity (ROE)		 13.63% 14.56% 19.12% 16.84% 12.06% 20.77% 21.71% 23.13% 18.08% 0.00%
Cash Return on Invested Capital (CROIC)		 2.69% 1.06% 12.67% 4.76% -15.21% -2.21% 2.80% -20.12% -7.95% -0.59%
Operating Return on Assets (OROA)		 12.64% 13.55% 17.27% 15.05% 10.80% 18.77% 18.77% 17.49% 18.61% 17.23%
Return on Assets (ROA)		 10.78% 11.46% 14.53% 12.48% 9.10% 15.82% 16.05% 16.67% 13.28% 11.87%
Return on Common Equity (ROCE)		 13.63% 14.56% 19.12% 16.84% 12.06% 20.77% 21.71% 23.13% 18.08% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 13.02% 13.65% 18.63% 16.09% 10.69% 18.62% 19.76% 19.57% 16.57% 14.06%
Net Operating Profit after Tax (NOPAT)		 729 696 831 682 413 556 467 380 223 157
NOPAT Margin		 60.40% 64.50% 84.38% 66.83% 43.66% 64.80% 65.90% 66.47% 48.62% 44.53%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 29.16% 23.77% -0.30% 19.40% 48.20% 23.13% 22.91% 30.24% 31.88% 35.35%
Earnings before Interest and Taxes (EBIT)		 855 823 988 822 490 659 547 399 312 228
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 882 842 1,010 859 517 679 564 415 326 242
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.03 1.08 0.90 1.13 1.17 1.57 1.29 2.01 2.05 1.65
Price to Tangible Book Value (P/TBV)		 1.05 1.10 0.90 1.13 1.17 1.57 1.29 2.01 2.05 1.65
Price to Revenue (P/Rev)		 4.79 5.12 4.08 4.67 4.79 5.48 4.32 6.83 6.01 5.24
Price to Earnings (P/E)		 7.93 7.93 4.84 7.00 10.98 8.46 6.55 10.28 12.36 11.77
Dividend Yield		 2.06% 1.93% 2.30% 1.62% 1.59% 0.63% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 12.61% 12.61% 20.68% 14.30% 9.11% 11.83% 15.26% 9.73% 8.09% 8.49%
Enterprise Value to Invested Capital (EV/IC)		 1.01 1.05 0.89 1.10 1.14 1.51 1.24 1.88 1.96 1.63
Enterprise Value to Revenue (EV/Rev)		 5.09 5.38 4.43 5.01 5.02 5.66 4.54 7.19 6.17 5.17
Enterprise Value to EBITDA (EV/EBITDA)		 6.97 6.89 4.32 5.94 9.20 7.15 5.71 9.91 8.65 7.56
Enterprise Value to EBIT (EV/EBIT)		 7.18 7.05 4.41 6.21 9.70 7.36 5.89 10.31 9.06 8.00
Enterprise Value to NOPAT (EV/NOPAT)		 8.42 8.33 5.24 7.49 11.51 8.73 6.89 10.82 12.69 11.62
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.13 7.61 7.40 7.20 6.53 8.23 5.15 11.15 10.29 8.07
Enterprise Value to Free Cash Flow (EV/FCFF)		 39.32 105.34 7.22 24.30 0.00 0.00 48.08 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.09 0.08 0.09 0.10 0.08 0.08 0.09 0.13 0.07 0.00
Long-Term Debt to Equity		 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.09 0.09 0.10 0.09 0.08 0.08 0.11 0.11 0.04 0.00
Leverage Ratio		 1.26 1.27 1.32 1.35 1.33 1.31 1.35 1.39 1.36 1.28
Compound Leverage Factor		 1.26 1.27 1.32 1.35 1.33 1.31 1.35 1.39 1.36 1.28
Debt to Total Capital		 8.10% 7.64% 8.62% 9.02% 7.69% 6.99% 8.64% 11.36% 6.93% 0.00%
Short-Term Debt to Total Capital		 0.00% 7.64% 8.62% 9.02% 7.69% 6.99% 8.64% 11.36% 6.93% 0.00%
Long-Term Debt to Total Capital		 8.10% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 91.90% 92.36% 91.38% 90.98% 92.31% 93.01% 91.36% 88.64% 93.07% 100.00%
Debt to EBITDA		 0.56 0.50 0.42 0.49 0.62 0.33 0.40 0.60 0.31 0.00
Net Debt to EBITDA		 0.41 0.33 0.34 0.39 0.42 0.23 0.28 0.49 0.22 0.00
Long-Term Debt to EBITDA		 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.68 0.61 0.51 0.62 0.78 0.40 0.48 0.65 0.45 0.00
Net Debt to NOPAT		 0.50 0.40 0.41 0.50 0.53 0.28 0.34 0.54 0.33 0.00
Long-Term Debt to NOPAT		 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 156 55 604 210 -562 -64 67 -366 -102 -6.17
Operating Cash Flow to CapEx		 12,733.25% 19,065.49% 14,790.68% 28,392.95% 29,760.06% 17,302.67% 15,424.79% 13,243.73% 8,683.08% 4,567.72%
Free Cash Flow to Firm to Interest Expense		 4.42 1.83 38.71 25.38 -61.96 -6.30 6.58 -70.59 -239.26 0.00
Operating Cash Flow to Interest Expense		 24.39 25.32 37.73 85.64 80.22 58.11 61.43 71.18 644.50 0.00
Operating Cash Flow Less CapEx to Interest Expense		 24.20 25.19 37.47 85.34 79.95 57.77 61.03 70.64 637.08 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.18 0.18 0.17 0.19 0.21 0.24 0.24 0.25 0.27 0.27
Fixed Asset Turnover		 29.04 35.47 62.57 75.53 58.39 68.78 97.09 75.68 53.42 47.54
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 6,098 5,524 4,883 4,656 4,184 3,209 2,589 2,189 1,444 1,119
Invested Capital Turnover		 0.21 0.21 0.21 0.23 0.26 0.30 0.30 0.31 0.36 0.34
Increase / (Decrease) in Invested Capital		 573 641 227 472 975 620 400 745 325 164
Enterprise Value (EV)		 6,145 5,803 4,360 5,107 4,754 4,852 3,222 4,108 2,825 1,827
Market Capitalization		 5,782 5,523 4,020 4,769 4,535 4,699 3,063 3,903 2,752 1,852
Book Value per Share		 $52.76 $47.79 $41.43 $38.36 $34.36 $30.34 $24.11 $19.71 $14.43 $12.08
Tangible Book Value per Share		 $52.01 $47.11 $41.43 $38.36 $34.36 $30.34 $24.11 $19.71 $14.43 $12.08
Total Capital		 6,098 5,524 4,883 4,656 4,184 3,209 2,589 2,189 1,444 1,119
Total Debt		 494 422 421 420 322 224 224 249 100 0.00
Total Long-Term Debt		 494 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 362 280 340 338 219 153 159 205 72 -25
Capital Expenditures (CapEx)		 6.77 4.00 3.98 2.50 2.45 3.41 4.05 2.78 3.16 4.96
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 494 422 421 420 322 224 224 249 100 0.00
Total Depreciation and Amortization (D&A)		 26 19 21 37 27 20 18 16 15 13
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $6.92 $6.56 $7.75 $6.13 $3.89 $5.68 $4.80 $4.07 $2.45 $1.74
Adjusted Weighted Average Basic Shares Outstanding		 105.39M 106.22M 107.21M 111.16M 106.10M 97.76M 97.40M 93.33M 90.91M 90.35M
Adjusted Diluted Earnings per Share		 $6.85 $6.50 $7.72 $6.11 $3.88 $5.66 $4.77 $3.99 $2.41 $1.72
Adjusted Weighted Average Diluted Shares Outstanding		 106.55M 107.13M 107.65M 111.56M 106.38M 98.23M 97.97M 95.21M 92.25M 91.74M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 103.84M 106.87M 108.10M 108.78M 112.84M 98.45M 98.29M 98.09M 93.39M 93.06M
Normalized Net Operating Profit after Tax (NOPAT)		 729 696 831 682 413 556 467 380 223 157
Normalized NOPAT Margin		 60.40% 64.50% 84.38% 66.83% 43.66% 64.80% 65.90% 66.47% 48.62% 44.53%
Pre Tax Income Margin		 70.84% 76.23% 100.30% 80.60% 51.80% 76.85% 77.09% 69.76% 68.12% 64.65%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 24.22 27.31 63.31 99.29 54.01 64.95 53.71 76.97 732.12 0.00
NOPAT to Interest Expense		 20.65 23.11 53.26 82.32 45.52 54.74 45.91 73.34 522.55 0.00
EBIT Less CapEx to Interest Expense		 24.03 27.18 63.06 98.99 53.74 64.61 53.31 76.44 724.69 0.00
NOPAT Less CapEx to Interest Expense		 20.46 22.97 53.01 82.02 45.25 54.41 45.52 72.80 515.13 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 16.18% 15.25% 11.08% 11.40% 16.80% 5.28% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 31.48% 25.40% 22.86% 35.43% 18.34% 6.90% 6.72% 2.00% 1.81% 3.28%

Quarterly Metrics And Ratios for Essent Group

This table displays calculated financial ratios and metrics derived from Essent Group's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 6.07% 5.85% 20.72% 16.52% 29.17% 12.02% 4.64% -4.98% -12.10% -8.58%
EBITDA Growth		 -3.40% -0.27% 15.12% 7.06% 17.62% -0.44% -23.70% -38.99% -21.56% -16.03%
EBIT Growth		 -3.95% -0.89% 14.30% 6.18% 17.32% -0.70% -24.12% -38.71% -20.29% -14.50%
NOPAT Growth		 -4.26% -1.00% 18.22% 6.38% 19.00% -0.05% -25.69% -37.69% -18.58% -13.30%
Net Income Growth		 -4.26% -1.00% 18.22% 6.38% 19.00% -0.05% -25.69% -37.69% -18.58% -13.30%
EPS Growth		 -3.05% -0.60% 18.63% 6.92% 18.84% 0.00% -25.46% -36.90% -15.85% -9.78%
Operating Cash Flow Growth		 5.22% 17.51% 12.51% 17.40% 25.00% 13.03% 165.08% 2.30% -9.80% -3.26%
Free Cash Flow Firm Growth		 13.02% -116.33% -52.97% -50.15% -483.36% -629.86% -443.23% -123.78% 72.52% 59.52%
Invested Capital Growth		 10.37% 17.31% 12.56% 11.41% 13.13% 10.92% 9.85% 9.38% 4.88% 4.99%
Revenue Q/Q Growth		 0.58% 0.01% 5.03% 0.40% 0.37% 14.05% 1.37% 11.30% -12.95% 6.54%
EBITDA Q/Q Growth		 -5.92% -12.81% 11.90% 5.23% -2.87% 0.64% 4.07% 15.61% -17.78% -22.87%
EBIT Q/Q Growth		 -6.08% -13.23% 11.92% 5.31% -3.09% 0.07% 3.98% 16.36% -17.98% -23.53%
NOPAT Q/Q Growth		 -4.70% -13.47% 12.05% 3.62% -1.46% 3.32% 0.82% 15.92% -17.23% -23.18%
Net Income Q/Q Growth		 -4.70% -13.47% 12.05% 3.62% -1.46% 3.32% 0.82% 15.92% -17.23% -23.18%
EPS Q/Q Growth		 -3.64% -13.61% 12.35% 3.66% -1.20% 3.11% 1.26% 15.22% -16.87% -23.15%
Operating Cash Flow Q/Q Growth		 -1.09% 21.47% -13.02% 0.69% 10.46% 16.30% -9.24% 7.21% -0.11% 172.74%
Free Cash Flow Firm Q/Q Growth		 44.40% -64.19% -11.94% 14.89% -38.30% -16.10% -9.87% -230.66% -73.03% 13.59%
Invested Capital Q/Q Growth		 -0.60% 5.73% 2.72% 2.24% 5.64% 1.45% 1.67% 3.83% 3.57% 0.48%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 65.71% 70.25% 80.57% 75.62% 72.15% 74.56% 84.49% 82.31% 79.24% 83.89%
EBIT Margin		 63.53% 68.03% 78.41% 73.58% 70.15% 72.66% 82.81% 80.74% 77.23% 81.97%
Profit (Net Income) Margin		 54.71% 57.74% 66.74% 62.55% 60.61% 61.74% 68.15% 68.52% 65.79% 69.20%
Tax Burden Percent		 86.12% 84.87% 85.11% 85.02% 86.40% 84.97% 82.29% 84.86% 85.18% 84.42%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 13.88% 15.13% 14.89% 14.98% 13.60% 15.03% 17.71% 15.14% 14.82% 15.58%
Return on Invested Capital (ROIC)		 11.37% 12.09% 14.29% 13.08% 12.58% 12.59% 13.61% 13.73% 13.59% 15.27%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.37% 12.09% 14.29% 13.08% 12.58% 12.59% 13.61% 13.73% 13.59% 15.27%
Return on Net Nonoperating Assets (RNNOA)		 0.97% 1.06% 1.19% 1.12% 1.11% 1.17% 1.27% 1.30% 1.31% 1.34%
Return on Equity (ROE)		 12.34% 13.15% 15.48% 14.20% 13.68% 13.76% 14.88% 15.03% 14.90% 16.62%
Cash Return on Invested Capital (CROIC)		 2.69% -2.96% 1.66% 2.41% 1.06% 3.09% 4.19% 6.04% 12.67% 13.92%
Operating Return on Assets (OROA)		 11.33% 12.25% 14.51% 13.20% 12.47% 12.65% 14.16% 13.63% 13.30% 14.94%
Return on Assets (ROA)		 9.76% 10.39% 12.35% 11.22% 10.77% 10.75% 11.65% 11.57% 11.33% 12.61%
Return on Common Equity (ROCE)		 12.34% 13.15% 15.48% 14.20% 13.68% 13.76% 14.88% 15.03% 14.90% 16.62%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 13.06% 13.73% 13.53% 0.00% 13.90% 14.12% 15.66% 0.00% 20.14%
Net Operating Profit after Tax (NOPAT)		 168 176 204 182 175 178 172 171 147 178
NOPAT Margin		 54.71% 57.74% 66.74% 62.55% 60.61% 61.74% 68.15% 68.52% 65.79% 69.20%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 3.15% 3.35% 3.27% 0.00% 4.57% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 36.47% 31.97% 21.59% 26.42% 29.85% 27.34% 17.19% 19.26% 22.77% 18.03%
Earnings before Interest and Taxes (EBIT)		 195 208 239 214 203 209 209 201 173 211
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 202 214 246 220 209 215 214 205 177 216
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.03 1.21 1.11 1.21 1.08 1.03 1.04 0.91 0.90 0.84
Price to Tangible Book Value (P/TBV)		 1.05 1.23 1.13 1.23 1.10 1.05 1.04 0.91 0.90 0.84
Price to Revenue (P/Rev)		 4.79 5.74 5.11 5.64 5.12 4.89 5.00 4.34 4.08 3.56
Price to Earnings (P/E)		 7.93 9.27 8.11 8.94 7.93 7.42 7.36 5.80 4.84 4.18
Dividend Yield		 2.06% 1.70% 1.89% 1.74% 1.93% 2.11% 2.07% 2.33% 2.30% 2.44%
Earnings Yield		 12.61% 10.79% 12.32% 11.19% 12.61% 13.47% 13.59% 17.25% 20.68% 23.91%
Enterprise Value to Invested Capital (EV/IC)		 1.01 1.18 1.07 1.16 1.05 1.01 1.02 0.90 0.89 0.84
Enterprise Value to Revenue (EV/Rev)		 5.09 6.06 5.30 5.87 5.38 5.21 5.36 4.70 4.43 3.90
Enterprise Value to EBITDA (EV/EBITDA)		 6.97 8.12 6.99 7.68 6.89 6.52 6.49 5.20 4.32 3.74
Enterprise Value to EBIT (EV/EBIT)		 7.18 8.36 7.19 7.88 7.05 6.67 6.64 5.31 4.41 3.84
Enterprise Value to NOPAT (EV/NOPAT)		 8.42 9.79 8.42 9.30 8.33 7.91 7.89 6.28 5.24 4.58
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.13 8.49 7.62 8.27 7.61 7.34 7.56 7.71 7.40 6.52
Enterprise Value to Free Cash Flow (EV/FCFF)		 39.32 0.00 68.22 51.00 105.34 34.43 25.59 15.60 7.22 6.18
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.09 0.09 0.08 0.08 0.08 0.09 0.09 0.09 0.09 0.10
Long-Term Debt to Equity		 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.09 0.09 0.08 0.09 0.09 0.09 0.09 0.09 0.10 0.09
Leverage Ratio		 1.26 1.27 1.25 1.27 1.27 1.28 1.28 1.30 1.32 1.32
Compound Leverage Factor		 1.26 1.27 1.25 1.27 1.27 1.28 1.28 1.30 1.32 1.32
Debt to Total Capital		 8.10% 8.05% 7.28% 7.47% 7.64% 8.06% 8.17% 8.31% 8.62% 8.92%
Short-Term Debt to Total Capital		 0.00% 8.05% 7.28% 7.47% 7.64% 8.06% 8.17% 8.31% 8.62% 8.92%
Long-Term Debt to Total Capital		 8.10% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 91.90% 91.95% 92.72% 92.53% 92.36% 91.94% 91.83% 91.69% 91.38% 91.08%
Debt to EBITDA		 0.56 0.56 0.48 0.49 0.50 0.52 0.52 0.48 0.42 0.40
Net Debt to EBITDA		 0.41 0.43 0.25 0.30 0.33 0.40 0.44 0.40 0.34 0.32
Long-Term Debt to EBITDA		 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.68 0.67 0.57 0.60 0.61 0.63 0.63 0.58 0.51 0.49
Net Debt to NOPAT		 0.50 0.52 0.30 0.36 0.40 0.49 0.53 0.48 0.41 0.39
Long-Term Debt to NOPAT		 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -405 -729 -444 -397 -466 -337 -290 -264 -80 -46
Operating Cash Flow to CapEx		 31,443.13% 45,566.80% 17,834.69% 4,837.98% 9,979.30% 18,647.04% 41,206.63% 47,381.79% 11,725.24% 20,018.33%
Free Cash Flow to Firm to Interest Expense		 -49.72 -63.61 -56.55 -50.44 -58.59 -42.89 -39.25 -38.08 -13.21 -10.37
Operating Cash Flow to Interest Expense		 27.81 20.01 24.04 27.59 27.09 24.83 22.68 26.64 28.51 38.78
Operating Cash Flow Less CapEx to Interest Expense		 27.72 19.96 23.91 27.02 26.82 24.70 22.63 26.59 28.27 38.58
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.18 0.18 0.19 0.18 0.18 0.17 0.17 0.17 0.17 0.18
Fixed Asset Turnover		 29.04 29.05 31.61 36.00 35.47 33.54 37.90 50.08 62.57 62.99
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 6,098 6,135 5,802 5,648 5,524 5,230 5,155 5,070 4,883 4,715
Invested Capital Turnover		 0.21 0.21 0.21 0.21 0.21 0.20 0.20 0.20 0.21 0.22
Increase / (Decrease) in Invested Capital		 573 905 647 578 641 515 462 435 227 224
Enterprise Value (EV)		 6,145 7,215 6,219 6,580 5,803 5,286 5,273 4,572 4,360 3,959
Market Capitalization		 5,782 6,831 5,994 6,322 5,523 4,961 4,919 4,219 4,020 3,617
Book Value per Share		 $52.76 $53.09 $50.43 $49.44 $47.79 $44.94 $44.13 $43.01 $41.43 $39.87
Tangible Book Value per Share		 $52.01 $52.43 $49.77 $48.76 $47.11 $44.34 $44.13 $43.01 $41.43 $39.87
Total Capital		 6,098 6,135 5,802 5,648 5,524 5,230 5,155 5,070 4,883 4,715
Total Debt		 494 494 422 422 422 422 421 421 421 421
Total Long-Term Debt		 494 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 362 384 225 258 280 325 353 352 340 341
Capital Expenditures (CapEx)		 0.72 0.50 1.06 4.48 2.16 1.05 0.41 0.39 1.47 0.86
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 494 494 422 422 422 422 421 421 421 421
Total Depreciation and Amortization (D&A)		 6.71 6.77 6.60 5.93 5.80 5.48 4.25 3.90 4.49 4.94
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.60 $1.67 $1.93 $1.72 $1.66 $1.68 $1.62 $1.60 $1.38 $1.67
Adjusted Weighted Average Basic Shares Outstanding		 105.39M 105.27M 105.66M 105.70M 106.22M 105.98M 106.25M 106.94M 107.21M 106.87M
Adjusted Diluted Earnings per Share		 $1.59 $1.65 $1.91 $1.70 $1.64 $1.66 $1.61 $1.59 $1.38 $1.66
Adjusted Weighted Average Diluted Shares Outstanding		 106.55M 106.55M 106.78M 106.77M 107.13M 107.03M 107.09M 107.59M 107.65M 107.34M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 103.84M 106.21M 106.25M 106.67M 106.87M 106.76M 106.99M 107.26M 108.10M 107.71M
Normalized Net Operating Profit after Tax (NOPAT)		 168 176 204 182 175 178 172 171 147 178
Normalized NOPAT Margin		 54.71% 57.74% 66.74% 62.55% 60.61% 61.74% 68.15% 68.52% 65.79% 69.20%
Pre Tax Income Margin		 63.53% 68.03% 78.41% 73.58% 70.15% 72.66% 82.81% 80.74% 77.23% 81.97%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 23.92 18.12 30.48 27.19 25.52 26.67 28.31 29.02 28.62 47.40
NOPAT to Interest Expense		 20.60 15.38 25.94 23.11 22.05 22.66 23.29 24.63 24.38 40.01
EBIT Less CapEx to Interest Expense		 23.83 18.07 30.34 26.62 25.25 26.53 28.25 28.97 28.37 47.20
NOPAT Less CapEx to Interest Expense		 20.51 15.33 25.81 22.54 21.78 22.53 23.24 24.57 24.14 39.82
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 16.18% 15.62% 15.18% 15.42% 15.25% 15.62% 15.17% 13.37% 11.08% 10.21%
Augmented Payout Ratio		 31.48% 23.76% 22.68% 24.32% 25.40% 24.00% 22.80% 19.38% 22.86% 29.50%

Frequently Asked Questions About Essent Group's Financials

When does Essent Group's fiscal year end?

According to the most recent income statement we have on file, Essent Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Essent Group's net income changed over the last 9 years?

Essent Group's net income appears to be on an upward trend, with a most recent value of $729.40 million in 2024, rising from $157.33 million in 2015. The previous period was $696.39 million in 2023. See Essent Group's forecast for analyst expectations on what’s next for the company.

How has Essent Group revenue changed over the last 9 years?

Over the last 9 years, Essent Group's total revenue changed from $353.29 million in 2015 to $1.21 billion in 2024, a change of 241.8%.

How much debt does Essent Group have?

Essent Group's total liabilities were at $1.51 billion at the end of 2024, a 13.9% increase from 2023, and a 331.0% increase since 2015.

How much cash does Essent Group have?

In the past 9 years, Essent Group's cash and equivalents has ranged from $24.61 million in 2015 to $141.79 million in 2023, and is currently $131.48 million as of their latest financial filing in 2024.

How has Essent Group's book value per share changed over the last 9 years?

Over the last 9 years, Essent Group's book value per share changed from 12.08 in 2015 to 52.76 in 2024, a change of 336.7%.


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This page (NYSE:ESNT) was last updated on 5/29/2025 by MarketBeat.com Staff
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