ESNT - NYSE
Essent Group Ltd.
$55.84
+0.090%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.
At a Glance
Live SnapshotEssent Group Ltd. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Essent Group Ltd. Cash Flow Statement
ESNT • NYSE
| Essent Group Ltd. Cash Flow Statement | 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 | Dec 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||
690M | 729.4M | 696.4M | 831.4M | 681.8M | 413M | 555.7M | 467.4M | 379.7M | 222.6M | 157.3M | 88.5M | 65.4M | -13.5M | -33.6M | -27.6M | |
5.2M | 5.8M | 4.5M | 3M | 3.4M | 3.3M | 3.8M | 3.4M | 3.9M | 4.1M | 3.2M | 2.5M | 2.3M | 15.2M | 13.6M | 6.6M | |
0.0 | 32.2M | -13.2M | 58.2M | 84M | 38.7M | 59.5M | 50.7M | -19.4M | 57.6M | 52.2M | 44.6M | -8.3M | -333K | -895K | -72K | |
0.0 | 24.8M | 18.4M | 18.4M | 20.8M | 18.5M | 16.6M | 15.1M | 18.7M | 16.9M | 13.6M | 12.5M | 3.6M | 1.9M | 1.2M | 580K | |
79.9M | 29M | 40.7M | 16.9M | 2.7M | 22.2M | 13.4M | 13M | 10M | 7.5M | 5M | 4.2M | 3.1M | 1.8M | 1.2M | 1.2M | |
(0.0) | (92.5M) | (139.7M) | (98M) | (55.8M) | (38.7M) | (41.5M) | (29.3M) | (40.3M) | (30.8M) | (15.5M) | (1M) | (1.1M) | (0.0) | (0.0) | (211K) | |
80.9M | 40.3M | 16.2M | -339.1M | -83.4M | 232.3M | -59.1M | 75.8M | -24.4M | -35.1M | -7.2M | 1.5M | 52.9M | 31.6M | 10.2M | -2.5M | |
856.1M | 861.5M | 763M | 588.8M | 709.3M | 727.9M | 589.8M | 625.3M | 368.6M | 273.5M | 224.1M | 153.7M | 119M | 36.6M | -8.2M | -21.7M | |
INVESTING ACTIVITIES | ||||||||||||||||
-7.4M | -6.8M | -4M | -4M | -2.5M | -2.4M | -3.4M | -4.1M | -2.8M | -3.2M | -5M | -3.9M | -2.7M | -2.7M | -1.3M | -2.1M | |
(0.0) | -33.1M | -86.8M | -72.9M | (0.0) | (0.0) | -47.5M | -30.5M | (178.3M) | (44.4M) | -127.2M | (195.7M) | -116K | (0.0) | (0.0) | (0.0) | |
-1.1B | -1.6B | -1.1B | -1.4B | -2.3B | -2B | -1.2B | -1.1B | -1B | -703.1M | -798.9M | -895.9M | -147.1M | -141.5M | -165.9M | -264.5M | |
931.3M | 991.4M | 1.4B | 1.1B | 1.8B | 851.6M | 711.8M | 613.7M | 326.3M | 341M | 583.1M | 172.1M | 53M | 64.5M | 158M | 283.7M | |
41.8M | -10M | -690.5M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -178.3M | -44.4M | 127.2M | -195.7M | 116K | 0.0 | 0.0 | 0.0 | |
-154.7M | -706.9M | -525.6M | -398.9M | -583.2M | -1.2B | -545.1M | -546.9M | -690.1M | -365.3M | -220.7M | -727.7M | -96.8M | -79.7M | -9.2M | (17.2M) | |
FINANCING ACTIVITIES | ||||||||||||||||
-587.7M | -111.5M | -70.7M | -97.9M | -163.9M | 433.6M | -9M | -31.4M | 190.3M | -4M | -5.7M | 123.9M | 438.1M | 53.6M | 24.5M | 11.2M | |
0.0 | 73.2M | 0.0 | 0.0 | 100M | 100M | 0.0 | -25M | 150M | 100M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-122.1M | -118M | -106.2M | -92.1M | -77.7M | -69.4M | -29.3M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1.8M | |
-587.7M | -111.5M | -70.7M | -97.9M | -163.9M | -6.4M | -9M | -31.4M | -7.6M | -4M | -5.7M | -2.5M | -311K | -916K | -312K | -32.9M | |
0.0 | -8.5M | 0.0 | -154K | -5.8M | -6.2M | -15K | -580K | -2.7M | -1.2M | 1.9M | -3.2M | -5M | -6.7M | -4.1M | -2.6M | |
-709.7M | -164.9M | -176.9M | -190.2M | -147.4M | 458M | -38.4M | -57M | 337.6M | 94.8M | -3.2M | 120.8M | 433.1M | 46.9M | 20.4M | 6.8M | |
CASH FLOW SUMMARY | ||||||||||||||||
-8.4M | -10.3M | 60.5M | -251K | -21.3M | 31.5M | 6.4M | 21.4M | 16M | 2.9M | 195K | -453.2M | 455.3M | 3.8M | 3M | 2.3M | |
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 | 15.5M | 13.3M | |
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 | 15.5M | |
848.7M | 854.8M | 759M | 584.8M | 706.8M | 725.5M | 586.4M | 621.3M | 365.8M | 270.3M | 219.2M | 149.8M | 116.3M | 33.9M | -9.5M | -23.8M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 26, 2026 | May 06, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 18, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 13, 2026 | February 13, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 07, 2025 | November 07, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 08, 2025 | August 08, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 08, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 09, 2025 | May 09, 2025 | 2025 |
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