← Essent Group Ltd. ESNT
Market Price
$69.56
Market Cap
$6.39B
P/E Ratio
10.08
Revenue (FY 2025)
↑1.5% YoY
$1.26B
3-Yr CAGR: 8.0%
Net Income
↓-5.4% YoY
$689.97M
Net Margin: 54.7%
Free Cash Flow
↓-0.7% YoY
$848.69M
FCF Yield: 13.29%
EPS (Diluted)
↑0.7% YoY
$6.90
Basic: $6.97
Return on Equity
Efficiency
12.0%
ROA: 9.3%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (ESNT)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $458.3M | — | $442.7M | $222.6M | — | $2.41 | — | $273.5M | $270.3M | — |
| FY 2017 | $576.5M | +25.8% | $544.1M | $379.7M | +70.6% | $3.99 | +65.6% | $368.6M | $365.8M | +35.3% |
| FY 2018 | $719.4M | +24.8% | $697.6M | $467.4M | +23.1% | $4.77 | +19.5% | $625.3M | $621.3M | +69.8% |
| FY 2019 | $867.6M | +20.6% | $824.4M | $555.7M | +18.9% | $5.66 | +18.7% | $589.8M | $586.4M | -5.6% |
| FY 2020 | $955.2M | +10.1% | $644.8M | $413.0M | -25.7% | $3.88 | -31.4% | $727.9M | $725.5M | +23.7% |
| FY 2021 | $1,028.5M | +7.7% | $989.2M | $681.8M | +65.1% | $6.11 | +57.5% | $709.3M | $706.8M | -2.6% |
| FY 2022 | $1,000.8M | -2.7% | $985.2M | $831.4M | +21.9% | $7.72 | +26.4% | $588.8M | $584.8M | -17.3% |
| FY 2023 | $1,109.8M | +10.9% | $1,048.1M | $696.4M | -16.2% | $6.50 | -15.8% | $763.0M | $759.0M | +29.8% |
| FY 2024 | $1,242.9M | +12.0% | $1,126.4M | $729.4M | +4.7% | $6.85 | +5.4% | $861.5M | $854.8M | +12.6% |
| FY 2025 | $1,260.9M | +1.5% | $1,078.9M | $690.0M | -5.4% | $6.90 | +0.7% | $856.1M | $848.7M | -0.7% |
Valuation
Market Price
$69.56
Market Cap
$6.39B
Enterprise Value
N/A
P/E Ratio
10.08
P/B Ratio
1.11
FCF Yield
13.29%
Dividend Yield
1.78%
Shares Outstanding
Profitability & Margins
Gross Margin
85.56%
Operating Margin
44.07%
Net Margin
54.72%
Return on Equity (ROE)
11.99%
Return on Assets (ROA)
9.27%
Asset Turnover
0.17x
Revenue 3-Yr CAGR
8.01%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$64.95M
Total Debt
N/A
Book Value / Share
$62.47
Cash Flow Efficiency
Operating Cash Flow
$856.05M
Capital Expenditures (CapEx)
$7.36M
Free Cash Flow
$848.69M
OCF / Revenue
67.89%
FCF / Revenue
67.31%
FCF 3-Yr CAGR
13.22%
Per Share Metrics
EPS (Diluted)
$6.90
EPS (Basic)
$6.97
Dividends / Share
$1.24
Book Value / Share
$62.47
EPS YoY Growth
0.73%
Balance Sheet (FY 2025)
Total Assets
$7.44B
Total Liabilities
$465.35M
Stockholders' Equity
$5.76B
Current Assets
N/A
Current Liabilities
N/A