ESNT - NYSE

Essent Group Ltd.

ESNT·NYSE

$55.84

+0.090%

Financial ServicesInsurance - Specialty

Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. The company was founded in 2008 and is based in Hamilton, Bermuda.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$5.15B

EPS6.9700

P/E Ratio8.01

Earnings Date08/14/2026

7.44B

Assets

3Y+30.0%

5Y+43.0%

10Y+295.0%

1.68B

Total Liabilities

12%

3Y+34.0%

5Y+26.0%

10Y+212.0%

5.76B

Total Equity

3Y+29.0%

5Y+49.0%

10Y+328.0%

Essent Group Ltd. Funding & Solvency Profile

ESNT · NYSE

Current Assets

Cash & Cash Equivalents123.05M

Net Receivables98.64M

Inventory0.00

Other Current Assets0.00

Total Current Assets7 B

Non-Current Assets

Property, Plant & Equipment49.19M

Goodwill & Intangible Assets87.70M

Long-Term Investments382.51M

Other Non-Current Assets82.40M

Total Non-Current Assets514 M

Total Assets

7.44B

Financial Health Analysis

Current Ratio

5.75x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

0.29x

Conservative capital structure. The company relies primarily on equity financing, indicating low financial risk.

Working Capital

6 B

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

92% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

Financial Health Insight

Strong financial foundation: Excellent liquidity combined with conservative leverage suggests the company is well-positioned to weather economic uncertainties and fund growth opportunities.

Essent Group Ltd. Balance Sheet

ESNT • NYSE

Essent Group Ltd. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	123M	131.5M	141.8M	81.2M	81.5M	102.8M	71.4M	64.9M	43.5M	27.5M	24.6M	24.4M	477.7M	22.3M	18.5M
Short-Term Investments	6.1B	5.9B	0.0	252M	5B	4.6B	3.4B	2.8B	2.3B	0.0	0.0	1.1B	0.0	0.0	171.1M
Cash & Short-Term Investments	6.2B	6B	141.8M	333.3M	5B	4.7B	3.4B	2.8B	2.3B	1.6B	1.3B	1.1B	810.2M	22.3M	189.6M
Net Receivables	98.6M	55.6M	63.3M	57.4M	46.2M	50.1M	40.7M	36.9M	29.8M	21.6M	16.6M	15.8M	10M	4.9M	1.6M
Accounts Receivables	44.7M	50.2M	63.3M	57.4M	46.2M	50.1M	40.7M	36.9M	29.8M	21.6M	16.6M	15.8M	10M	4.9M	1.6M
Other Receivables	53.9M	5.4M	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
Prepaids	513.4M	489.6M	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
Other Current Assets	0.0	-6.6B	0.0	0.0	0.0	0.0	0.0	-2.8B	-2.3B	-1.6B	-1.3B	0.0	-318.5M	247.4M	0.0
Total Current Assets	6.8B	0.0	205.1M	390.7M	5.1B	4.7B	3.5B	101.8M	73.3M	49.2M	41.2M	1.1B	501.7M	274.6M	191.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	49.2M	41.9M	41.3M	19.6M	11.9M	15.1M	17.3M	7.6M	7M	8.1M	9M	5.8M	4.4M	3.6M	15.7M
Intangible Assets	87.7M	0.0	72.8M	13.9M	15.1M	19.9M	18.3M	19.3M	17.6M	16.3M	15M	12.4M	8.9M	4.3M	0.0
Goodwill & Intangible Assets	87.7M	79.6M	72.8M	13.9M	15.1M	19.9M	18.3M	19.3M	17.6M	16.3M	15M	12.4M	8.9M	4.3M	0.0
Long-Term Investments	382.5M	5.9B	277.2M	-4.5B	5B	-4.5B	-3.3B	-2.7B	-2.3B	1.6B	1.3B	1.1B	332.6M	247.4M	171.1M
Tax Assets	0.0	0.0	0.0	91.7M	29.1M	-19.9M	29.4M	33.4M	28.7M	43.3M	36.9M	-12.4M	10.3M	246.7M	0.0
Other Non-Current Assets	82.4M	-6B	3.6B	4.4B	-44.2M	9B	6.6B	5.6B	4.5B	18.7M	4.3M	-979.8M	-341.4M	-251M	0.0
Total Non-Current Assets	601.8M	0.0	4B	19.6M	5B	4.6B	3.4B	2.9B	2.3B	1.7B	1.3B	83.6M	14.8M	251M	186.8M
Other Assets	0.0	7.1B	2.2B	5.3B	-4.3B	-4.1B	-3B	154.4M	312.7M	132.3M	86M	0.0	337.5M	-242.3M	0.0
Total Assets	7.4B	7.1B	6.4B	5.7B	5.7B	5.2B	3.9B	3.1B	2.7B	1.9B	1.5B	1.2B	854M	283.3M	210.1M
LIABILITIES
CURRENT LIABILITIES
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2M	15M	15M	15M	227K	0.0	0.0	0.0
Accrued Expenses	185.1M	176.8M	139.1M	89.5M	91.8M	87.9M	66.5M	43M	36.2M	33.9M	28.1M	23M	20.4M	12.3M	9.6M
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	248.6M	100M	0.0	0.0	0.0	0.0	0.0
Tax Payables	0.0	0.0	470.6M	418.5M	360.8M	302.6M	261.9M	202.4M	252.2M	181.3M	119.4M	0.0	8M	0.0	0.0
Deferred Revenue	91.7M	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
Other Current Liabilities	912.2M	-176.8M	361.2M	329M	328.1M	233.8M	597.9M	517.6M	-32.6M	305.3M	91.3M	40.6M	-12.4M	0.0	0.0
Total Current Liabilities	1.2B	0.0	500.3M	418.5M	419.8M	321.7M	664.3M	560.6M	252.2M	439.2M	119.4M	63.7M	8M	12.3M	9.6M
NON-CURRENT LIABILITIES
Long Term Debt	495.3M	494M	421.9M	420.9M	419.8M	321.7M	224.2M	223.7M	248.6M	100M	0.0	0.0	0.0	0.0	0.0
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	-732.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	465.4M	392.4M	0.0	356.8M	373.7M	305.1M	0.0	0.0	127.6M	0.0	88M	37.1M	0.0	0.0	0.0
Other Non-Current Liabilities	-465.4M	-886.4M	431.6M	65.4M	-373.7M	732.3M	0.0	0.0	357.7M	0.0	0.0	-68.8M	123.8M	51.9M	24.5M
Total Non-Current Liabilities	495.3M	0.0	853.5M	843M	419.8M	626.8M	224.2M	223.7M	733.9M	100M	88M	37.1M	123.8M	51.9M	24.5M
Other Liabilities	0.0	1.5B	-29.6M	0.0	646.4M	391.5M	0.0	0.0	0.0	0.0	142.5M	125M	0.0	0.0	0.0
Total Liabilities	1.7B	1.5B	1.3B	1.3B	1.5B	1.3B	888.6M	784.3M	733.9M	539.2M	349.9M	225.7M	131.8M	64.2M	34M
SHAREHOLDERS' EQUITY
Treasury Stock	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	-34.1M	-33.2M
Common Stock	1.4M	1.6M	1.6M	1.6M	1.6M	1.7M	1.5M	1.5M	1.5M	1.4M	1.4M	1.4M	1.3M	439K	380K
Additional Paid-In Capital	649.9M	1.2B	1.3B	1.4B	1.4B	1.6B	1.1B	1.1B	1.1B	918.3M	904.2M	893.3M	754.4M	347.9M	291.1M
Retained Earnings	5.3B	4.7B	4.1B	3.5B	2.8B	2.2B	1.8B	1.3B	815.1M	436.3M	213.7M	56.4M	-32.1M	-97.5M	-84M
Accumulated Other Comprehensive Income/Loss	-152M	-304M	-280.5M	-382.8M	50.7M	138.3M	56.2M	-29M	-3.3M	-12.3M	-99K	4.7M	-1.4M	2.4M	1.8M
Total Stockholders' Equity	5.8B	5.6B	5.1B	4.5B	4.2B	3.9B	3B	2.4B	1.9B	1.3B	1.1B	955.7M	722.1M	219.1M	176.1M
Total Equity	5.8B	5.6B	5.1B	4.5B	4.2B	3.9B	3B	2.4B	1.9B	1.3B	1.1B	955.7M	722.1M	219.1M	176.1M
SUMMARY
Total Liabilities & Equity	7.4B	7.1B	6.4B	5.7B	5.7B	5.2B	3.9B	3.1B	2.7B	1.9B	1.5B	1.2B	854M	283.3M	210.1M
Total Investments	6.5B	6.2B	277.2M	-4.2B	9.9B	88.9M	78.9M	31M	500K	1.6B	1.3B	2.1B	332.6M	247.4M	342.2M
Total Debt	495.3M	494M	421.9M	420.9M	419.8M	321.7M	224.2M	223.7M	248.6M	100M	0.0	0.0	0.0	0.0	0.0
Net Debt	372.3M	362.5M	280.1M	339.6M	338.3M	218.9M	152.9M	158.7M	205.1M	72.5M	-24.6M	-24.4M	-477.7M	-22.3M	-18.5M
Shares Outstanding	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900	92,152,900

SEC Filings

ESNT - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 08, 2026	May 08, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 26, 2026	May 06, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 18, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 13, 2026	February 13, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 07, 2025	November 07, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	August 08, 2025	August 08, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 08, 2025	June 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	May 09, 2025	May 09, 2025	2025	View Filing

Showing 1 to 10 of 161 filings

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