ESNT
Essent Group Ltd
NYSE: ESNT · FINANCIAL SERVICES · INSURANCE - SPECIALTY
$61.41
+2.06% today
Updated 2026-05-06
Market cap
$5.64B
P/E ratio
8.70
P/S ratio
4.48x
EPS (TTM)
$6.90
Dividend yield
2.05%
52W range
$54 – $67
Volume
0.7M
Essent Group Ltd (ESNT) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.30M | $14.39M | $48.72M | $131.40M | $239.47M | $353.29M | $458.26M | $576.51M | $719.35M | $867.57M | $955.15M | $1.03B | $1.02B | $1.13B | $1.27B | $1.26B |
| Revenue growth (YoY) | — | +128.4% | +238.6% | +169.7% | +82.2% | +47.5% | +29.7% | +25.8% | +24.8% | +20.6% | +10.1% | +7.7% | -1.0% | +11.1% | +12.0% | -0.5% |
| Cost of revenue | — | $35.12M | $47.30M | $2.32M | $6.31M | $112.99M | $130.85M | $27.23M | $11.57M | $32.99M | $301.29M | $31.06M | $-174.70M | $31.54M | $81.22M | $149.34M |
| Gross profit | $6.30M | $14.39M | $48.72M | $129.08M | $233.16M | $353.29M | $458.26M | $549.28M | $707.78M | $834.58M | $653.86M | $997.45M | $1.19B | $1.10B | $1.19B | $1.11B |
| Gross margin | 100.0% | 100.0% | 100.0% | 98.2% | 97.4% | 100.0% | 100.0% | 95.3% | 98.4% | 96.2% | 68.5% | 97.0% | 117.2% | 97.2% | 93.6% | 88.2% |
| R&D | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $17.34M | $24.01M | $31.62M | $46.97M | $64.29M | $72.23M | $84.04M | $90.96M | $90.08M | $93.66M | $93.07M | $101.34M | $100.30M | $114.90M | $136.39M | $129.95M |
| Operating income | $-27.63M | $-34.45M | $-13.88M | $58.03M | $135.93M | $228.40M | $311.88M | $398.57M | $546.70M | $659.06M | $490.10M | $822.31M | $988.19M | $823.00M | $855.49M | $821.86M |
| Operating margin | -438.5% | -239.4% | -28.5% | 44.2% | 56.8% | 64.6% | 68.1% | 69.1% | 76.0% | 76.0% | 51.3% | 80.0% | 97.0% | 72.8% | 67.5% | 65.2% |
| EBITDA | $-27.63M | $-34.45M | $-13.88M | $60.28M | $138.39M | $231.62M | $316.37M | $407.67M | $560.28M | $672.98M | $502.50M | $833.98M | $1.01B | $857.66M | $896.59M | $859.79M |
| EBITDA margin | -438.5% | -239.4% | -28.5% | 45.9% | 57.8% | 65.6% | 69.0% | 70.7% | 77.9% | 77.6% | 52.6% | 81.1% | 98.9% | 75.8% | 70.8% | 68.2% |
| EBIT | $-27.63M | $-34.45M | $-13.88M | $58.03M | $135.93M | $228.40M | $312.31M | $403.75M | $556.88M | $669.21M | $499.17M | $830.60M | $1.00B | $853.14M | $890.81M | $854.56M |
| Interest expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $426000.00 | $5.18M | $10.18M | $10.15M | $9.07M | $8.28M | $15.61M | $30.14M | $35.32M | $32.70M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $-27.57M | $-33.55M | $-13.54M | $65.41M | $88.50M | $157.33M | $222.61M | $379.75M | $467.36M | $555.71M | $413.04M | $681.78M | $831.35M | $696.39M | $729.40M | $689.97M |
| Net income growth (YoY) | — | -21.7% | +59.6% | +583.0% | +35.3% | +77.8% | +41.5% | +70.6% | +23.1% | +18.9% | -25.7% | +65.1% | +21.9% | -16.2% | +4.7% | -5.4% |
| Profit margin | -437.7% | -233.2% | -27.8% | 49.8% | 37.0% | 44.5% | 48.6% | 65.9% | 65.0% | 64.1% | 43.2% | 66.3% | 81.6% | 61.6% | 57.6% | 54.7% |